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For Individuals and Families

Homeowners

Coverage for arguably your most valuable asset should not be taken lightly. To properly protect your home, call and speak to an agent with years of experience assessing risks IN OUR AREA.

Our agents will work hard, shopping all of our markets to present you with the most cost effective, comprehensive policy to cover your home.

Automobile

Yes, everyone must purchase automobile insurance coverage, but are you purchasing good coverage? Are your limits adequate and deductibles reasonable? Will you be stuck with loads of out of pocket expenses at the time of an accident?

Our agents have access to some of the most competitive automobile markets in the area and can provide you with in depth explanation of the coverage basics and additional coverages available to further protect you and your family from unexpected expenses after an accident.

Personal Umbrella

We like to call the personal umbrella policy the “peace of mind” policy. This important coverage acts as an additional layer of liability coverage over your underlying liability coverage on all of your properly insured assets (ie. Home, automobiles, watercrafts, golf carts, etc.). Purchased in increments of $1,000,000, this policy usually costs less than a few hundred dollars a year for these high limits.

What does this mean exactly? Give us a call, we are happy to discuss in detail.

Personal Articles/Inland Marine

The personal articles policy is built to insure your high value items. This policy form offers broader, worldwide coverage on your most precious items. Although most are familiar scheduling jewelry on a personal articles policy, this policy can be written to cover many other high value or sentimental items such as silverware, fine arts, antiques, sporting equipment, coin collections, firearms, precious metals, cameras, musical instruments, personal computers, china/crystal and much more.

Watercraft/Boat

This policy provides liability and physical damage coverage on your boat or yacht through competitive, comprehensive markets that specialize in marine coverage.

Flood

Did you know that rising water is excluded from ALL standard homeowners insurance forms? Flood can be purchased on any property through the National Flood Insurance Program and Private Markets.

Don’t be fooled – an “X” zone is still a flood zone even if your lender does not require the coverage!

Excess Flood

Due to the low maximum limits allowable on the National Flood Insurance Program’s standard flood policy of $250,000 for the Dwelling and $100,000 for your Contents, private markets will write excess flood policies providing you with an extra layer of flood protection if your limits are exhausted on your primary flood policy.

Motorcycle

Builders Risk/Renovations

Building your dream home or renovating that perfect brick ranch? A standard homeowners insurance form will not support ground-up construction or major renovations. Call us today to discuss your options.

Dwelling/Rental Property

We offer insurance coverage for your rental property, whether short-term or long-term rental. It is important that coverage on your rental property be properly written on the broadest form available for these risks with an adequate amount of loss of rental income coverage.

Tenant Homeowners/Renters

Golf Cart

Condominium Unit Owners


This important coverage picks up where the Regime or HOA’s policy ends. This policy form has the ability to include betterments and improvements made to the building, personal property, loss of use and liability coverage for your owner occupied condominium unit or your condominium unit used as a rental.

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Workers Compensation






    General Liability






      Commercial Property






        Automobile, Motorcycle, Golf Cart






          Requested deductible
          5001000

          Homeowners, Condominium Unit Owners, Renters Insurance






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            Our Office

            1321 Chuck Dawley Boulevard
            Suite 201
            Mount Pleasant, SC 29464

            PHONE: (843) 881-2229
            FAX: (843) 856-8301

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