Insurance for All Kinds of Homes
Depending on where you live, whether it is a house, apartment, or condominium, the right homeowners insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us at H & H Insurance Brokers today!
South Carolina – What You Need to Know About Homeowners Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to a fire, theft, vandalism, or other covered loss. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
H & H Insurance Brokers is Here to Help You Find the Right Insurance for Your Home
Whether you are a home or condo owner, a renter, or a landlord, H & H Insurance Brokers can work with you to find a home insurance policy that is right for your specific needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price and that suits your needs.
Your home insurance policy is most often made up of the specific options you choose, and how much you will pay for your policy is based on:
Concerned you aren’t completely and adequately covered? Consider an umbrella policy that extends your coverage, and give us a call at H & H Insurance Brokers (803‐238‐1970) for a quote.
Protection for Your Home
Property or Dwelling Coverage usually pays to repair or rebuild your home if it is damaged or destroyed by an insured event (for example, a kitchen fire or hail storm).
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are liable. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money youmake and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases it covers people who are injured off your property. It does not cover health care costs, however, for you or other members of your household.
Additional Living Expenses
If you cannot live in your home because of a covered loss, your homeowners policy will pay additional living expenses, usually for up to 24 months, while damage to your home is assessed and it is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with items that mean a great deal to you – furniture, clothing, electronics, etc. Personal Property Insurance helps replace those items if they are lost, stolen, or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions, such as jewelry, art, antiques, or collectibles, you may want to talk to your agent about this additional coverage. It provides broader coverage for items that you can name specifically.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant‐occupied dwellings. Visit our Landlord Protection Insurance link for more information.
PROTECT THE THINGS THAT MATTER TO YOU
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video. Using two inventory methods can help expedite the claims process. Keep your list in a safe place somewhere other than your home. Keep in mind that your policy does not cover damages caused by poor or deferred maintenance on your part.
Each home is unique. Talk to us today at H & H Insurance Brokers 843-352-2381 to find out how you can get the best price and value for a homeowners policy that is tailored just for you.
Your home is the center of your daily life and is likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands that very thing. H & H Insurance Brokers can help you find the homeowners insurance policy that will best suit your needs and provide the coverage, price, and service that is perfect for you and your family.