Homeowners Insurance

There’s no place like home. Keep it protected with coverage you can trust.

Property insurance offers protection for your house and belongings. Home ownership comes with many risks. Make sure you have reliable coverage that protects your property in the event of unforeseen damage, natural disaster, or even theft.

Call (843) 444-1155 or Contact Us to discuss your home insurance coverage today.

A standard homeowner policy protects you against:

Liability
Fire
Lightning
Windstorms/Hail
Smoke Damage
Falling Objects
Freezing
Weight of Ice and Snow
Vandalism
Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

Earthquake
Flood
Water Backup/Sump Overflow
Vermin/Rodent/Insect

Coverage may be purchased for the above exclusions.

Available Discounts

Smoke Detectors Discount for having smoke detectors in your home.
Home Security Discounts for Burglar and Fire Alarms, Dead Bolt, and Automatic Sprinklers
Mature Credit If you are age 55 or older and one of the named insured’s is retired, you are entitled to a discount.
New Home Discount A discount is available based on the age of the home.
Green Discount A discount if you sign up to have your bills and policy delivered via email.

Scheduled Items

Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

Common items that can be added as scheduled property: