Valentine’s Day is all about love—expressing it, celebrating it, and showing the people we care about just how much they mean to us. While chocolates and roses are classic gifts, there’s one gift that speaks volumes about long-term love and commitment: life insurance. It may not be the first thing that comes to mind when…
Thanksgiving is a time for gratitude, family, and delicious food, but it’s also a time when safety precautions are especially important. From cooking hazards to travel and health concerns, here are some tips to ensure you and your loved ones have a safe and joyful holiday. Practice Fire Safety in the Kitchen The kitchen is…
As residents of our coastal community, you may have noticed a steady rise in your auto insurance premiums over the past few years. It’s a common concern among policyholders, and understanding the reasons behind these increases can provide clarity and help you make informed decisions about your coverage. Here’s a breakdown of the key factors…
In the realm of home insurance, there are two primary methods by which insurance companies determine the value of your property: Replacement Cost Value (RCV) and Actual Cash Value (ACV). While both have their pros, understanding the differences between them is crucial for ensuring your home is adequately protected. Let’s dive into the differences between…
Hurricanes can destroy property and lives. But there are many things you can do to minimize the potential impact on your home and family. When a powerful storm is approaching, it may be too late to protect your property. Making a Hurricane plan is essential. In the State of South Carolina, hurricane season runs from…
The home insurance market has hardened over the last 12 months. So….what does that mean? We now have less carriers to choose from and the underwriting guidelines for each carrier have gotten tighter. We’ve seen many of our carriers do everything they can to mitigate their coastal exposure by limiting roof year eligibility, changing percentage-based…