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Home Insurance

Protect your home from unexpected events with Myrtle Beach Insurance.

Basic protection you should have:

  • Dwelling Coverage to rebuild or repair the home taking into consideration current building costs and similar materials. Land value and market value are not considered.
  • Other Building or Structures on your property – an outbuilding, fence, pool, gazebo, driveway
  • Personal Belongings – furniture, clothing, appliances
  • Additional Living Expense or Fair Rental Value
  • Personal Legal Liability
  • Medical Expenses to others

Other coverages or options:

  • Additional Replacement Cost Coverage (dwelling)
  • Replacement Cost Coverage (contents)
  • Mold/Fungi
  • Water/Sewer Backup
  • Identity Theft
  • Equipment or Mechanical Breakdown
  • Earthquake
  • Personal Articles Endorsement
  • Animal/Dog Liability

What factors affect home insurance rates?

  • Client – age, occupation, residence history, claims history, credit history, pets
  • Home – location (zip code, county, distance to tidal water, distance to fire station), year built, construction type, roof type and age, occupancy
  • Coverages – replacement value, limits, deductibles
  • Security Systems – centrally monitored for fire and/or burglary
  • Gated communities
  • Wind Mitigation Credits – homes with added hurricane protection, those built in 2003 and later or those that have had recent updates may qualify for wind mitigation credits
  • Payment plans – paid in full, monthly installments, drafts
  • Multi-policy discounts – having more than one policy with the agency and/or carrier.
  • Some factors are impersonal and carrier related.

Call us today to learn more about homeowner’s insurance.

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