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Three things that might surprise you about umbrella insurance coverage

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It’s important you to know about umbrella insurance since this type of insurance coverage can be a significant tool for your financial security. South Carolina Federal Insurance Solutions can help you understand how this coverage can help safeguard your current lifestyle.

The following are three things that might surprise you about umbrella insurance coverage.

You don’t have to be extremely wealthy to benefit from umbrella insurance.

Umbrella insurance is often associated with the wealthy. However, this coverage is beneficial to anyone who wants to protect their financial assets from life’s unexpected events.

If your net worth is higher than the maximum coverage limits on your home or auto insurance policies, you may need a higher level of liability insurance.

Umbrella insurance coverage doesn’t directly protect your belongings.

Umbrella insurance is a type of insurance that covers liability expenses only. You will never be compensated by your umbrella insurance policy for damage to your personal belongings.

You can’t simply buy umbrella insurance instead of auto insurance and home insurance.

Umbrella insurance policies exist to protect you and your family when you’ve exceeded the limits on your existing auto and/or homeowners policies. This coverage can pay for claims that may be excluded by other liability policies.

Reach Out To Us

For a free quote or additional information about umbrella insurance call an Insurance Solutions advisor today.

Three things to know about bodily injury coverage through boat insurance

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While boating is a favorite pastime in South Carolina, accidents can happen resulting in injury or property damage. Boat and watercraft insurance can help provide financial protection when something unexpected occurs. Bodily injury is one of the numerous types of boat insurance coverage that you’ll want to include on your policy.

The following are three things to know about bodily injury coverage through boat insurance:

You could be held liable for medical costs that another party has to pay because of an injury from an accident you caused.

Bodily injury insurance is important because boat owners could be held liable for medical expenses. If you’re determined to be legally responsible for a boating accident that resulted in physical harm to others, you are expected to pay for their medical care.

Bodily injury coverage comes along with liability coverage.

Liability coverage is the most basic type of coverage that a standard boat insurance policy should include. In the event of an accident, this coverage helps you to pay for damages you cause in addition to any injuries suffered by the passengers on your boat.

Bodily injury coverage helps protect you from lawsuit costs.

With bodily injury coverage, you’ll be protected from costs that result if you get sued due to medical care expenses. Bodily injury coverage doesn’t only cover medical bills but also legal fees if you are taken to court.

Give Us A Call

Email or call us at Insurance Solutions today to learn more about the benefits of boat and watercraft insurance. We can answer your questions and help you compare available options and rates from various boat insurance companies so that you can make the most informed decision when insuring your boat.

How Does a Flood Insurance Claim Work?

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If you’re a homeowner in the Charleston, SC area, you know that flood damage is always possible. That’s why it’s so important to have flood insurance. But what happens if your home does suffer flood damage?

How does the claims process work? 

Step 1: Contact Your Insurance Company

You first need to contact your insurance company as soon as you realize that your home has suffered flood damage. They will assign an adjuster to your case and explain what to do next.

Step 2: Document the Damage

The next step is to document the damage. Take photos or videos of the damage, and list all the damaged or destroyed items. This will be helpful when it comes time to file your claim. Contact your SCF Solutions representative for assistance if you need help with your claim. Our team of experts will help you through every step of the process.

Step 3: File Your Claim

Once you have everything documented, it’s time to file your claim. Your insurance company will likely have an online portal that you can use to do this. If not, they will give you instructions on how to submit your claim forms.

Step 4: Wait for Your Payment

After you’ve filed your claim, all you can do is wait for your payment. The insurance company will review your claim and send you a check for the appropriate amount. In some cases, they may send someone to repair the damage directly.

Give Us A Call

If your home suffers flood damage, don’t panic! Just follow these four simple steps, and you’ll be on your way to getting compensated by your insurance company. And if you’re not already insured against flooding, now is the time to contact SCF Solutions in Charleston, SC for a quote! We’ll make sure you’re protected against this ever-present danger.

Commercial Insurance that Can Benefit Most Businesses

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Commercial insurance can mean the difference between your business thriving and closing. So many risks are out there threatening to damage your business. At South Carolina Federal Insurance Solutions, we try to understand your business and the risks that you face. We can recommend coverages for you to select for better protection.

Common Commercial Coverages:

Workers compensation insurance

Workers compensation insurance is required for all employers who have at least 4 employees. Full-time, part-time workers, and family members are also counted.

Commercial liability insurance

Getting sued is one of the biggest fears that business-owners face. It can not only cause a lot of distress, but it can empty your bank account and even put you in debt. Depending on the policy coverages and limits, a Commercial General Liability (CGL) policy can offer your business protection from financial loss should you be found liable for non-professional negligent acts. In most cases, this insurance will cover your legal defense expenses too.

Commercial umbrella insurance

Depending on your type of business, you may want to add an extra layer of liability protection with a commercial umbrella policy. This insurance complements your other liability coverages by taking over when the limits of your primary policy have been reached.

Commercial property insurance

Commercial property insurance protects not only the building that houses your business but other physical assets used to support your daily business operations. This is the content of your business. Depending on the type of business that you have, it can include things like office equipment, furniture, fixtures, and inventory. The quicker you get these things replaced after an unexpected loss, the quicker you can get your business back up and running.

Get Commercial Coverage Today

Contact Insurance Solutions in the Lowcountry, Midlands, and Upstate regions of South Carolina for help with all of your commercial insurance needs.

The Different Types Of Auto Insurance

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Whether you’re a new driver or a seasoned pro, it’s important to know the different types of auto insurance and what they cover. Depending on your budget, you can tailor a policy to get the coverage that best suits your needs. Contact an Insurance Solutions advisor for more information.

Here are the different types of auto insurance and what they cover:

Liability Coverage

Liability coverage is the most basic type of coverage and is required in South Carolina. It covers damages to other people and property if you are at fault in an accident. There are two types of liability coverage: bodily injury and property damage. Bodily injury coverage covers medical expenses and lost wages for the other driver and passengers if you are at fault. Property damage covers damage to the other driver’s vehicle or property.

Collision Coverage

Collision coverage protects you financially if your vehicle is damaged in an accident, regardless of who is to blame. If you have a loan or lease on your vehicle, you are required to have collision coverage. Did you know that vehicle repairs can exceed a threshold of its actual cash value? Let our experienced insurance advisors review your current policy to answer any questions you may have before a claim occurs.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle that is not caused by accident, such as theft, fire, and flooding. It covers damage to your windshield too.

Contact Us Today

Contact the Insurance Solutions team of experienced insurance advisors to learn more about auto insurance requirements. We can offer information regarding how safe driving behaviors can help you save money too!

The benefit of a comprehensive commercial policy for business owners

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Insurance Solutions is the insurance partner of choice for businesses owned and operated in the Lowcountry, Midlands, and Upstate regions of South Carolina. You can turn to us for your commercial insurance needs.

Is it time to upgrade your commercial insurance?

Starting out, many business owners are concerned about costs and keeping them low. This may mean that their first commercial insurance policy is a basic one with a minimal amount of coverage. As businesses grow and become more established and successful, insurance needs may change too.

We recommend that all of our commercial insurance clients review their policies on a regular basis at least one or two times a year. After this review, if any gaps in coverage are identified, the option of upgrading the policy should be considered. Our experienced insurance advisors can provide information to help you determine if a comprehensive commercial policy is a good choice for your business.

Comprehensive policies can include many critical coverages a business needs like property and business interruption, general liability, business auto, workers compensation, and cyber liability. Now is a great time to explore the comprehensive commercial policies that are available through our top-rated companies to determine if one is right for your firm.

Contact us today!

You can rely on the team at Insurance Solutions for your insurance needs. We are the agency that understands how important it is to protect hard-earned financial assets. Contact us today for a no-obligation consultation. We look forward to working with you!

What Does Home Insurance Cover?

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When you own a home, you have to take the good with the bad. While it is exciting to purchase a home, disaster can strike when you are least expecting it. This is why the home insurance advisors at South Carolina Federal Insurance Solutions want you to know what home insurance covers.

Keep in mind that the state of South Carolina does not require homeowners to have home insurance, but if you borrowed the money to purchase your home through a financial institution or mortgage company, your lender will require that you have this type of insurance in place to protect the investment they have made in your property. Even if you inherited your home or paid cash for it, you will want to have insurance to protect your home and its contents in the event of a fire or some other unforeseen disaster.

What Does Home Insurance Cover?

Home insurance covers not only your home itself, but it can cover other buildings on your property too. These buildings can include sheds, garages, and other structures like decks or porches. The structure of your home and these other structures will need to be repaired or replaced if they are affected by some sort of act of vandalism, a natural disaster, or even a fire. Home insurance will also cover your clothing and other personal belongings as well as household items, including your furniture and appliances if they are destroyed or damaged due to one of these circumstances. Your home insurance policy may also assist you in replacing items that are lost due to some sort of theft or burglary incident at your home.

There are other types of insurance you may want to invest in to protect your home that may not be included in a standard home insurance policy, like flood or earthquake coverage. Some policies can be endorsed to add these coverages or they may be purchased as a stand-alone policy. Your insurance advisor can provide more information.

Give Us A Call

To enlist the assistance of an experienced home insurance advisor in the Lowcountry, Midlands, or Upstate regions of South Carolina, call us today at (833) 359-0725!

Is There A Different Between Insuring A Boat And A Yacht?

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Many residents of South Carolina own either a boat or a yacht. If you are one of these residents and are looking to get insurance for your vessel, you might be wondering whether there is a difference between insuring a boat or a yacht. Just based on appearance, yachts are vessels over 27 feet in length, while boats measure 26 feet or less in length.

Here are the differences between boat and yacht insurance that the insurance experts at South Carolina Federal Insurance Solutions want you to know. 

Boat And Yacht Insurance: What You Need To Know

Navigational limit

Boat and yacht insurance have varying navigational limits. Typically, yacht insurance offers a significantly larger navigational limit than boat insurance. 

Overland transportation

Boat insurance typically provides coverage for unlimited overland transportation. On the other hand, yacht insurance usually only allows for several hundred miles of overland transportation.

Deductibles

Yacht insurance allows for up to a 3% deductible for hull damage coverage, and the deductibles on windstorm loss, marine electronics loss, and total loss can vary depending on the policy. In contrast, boat insurance only offers fixed deductibles, usually $250, $500, and $1000. 

Liability coverage

The liability coverage for yacht insurance is significantly broader than what is available with boat insurance. Yacht insurance is designed to offer broader liability coverage to deal with the increased risk of having a larger vessel, a larger crew, and the effects of maritime law. If the captain or a crew member of a yacht is injured on the job, they can sue their employer/ yacht owner under federal law. 

Warranties

Traditionally, yacht policies have warranties like navigational limit territories, seaworthiness, and navigational lay-up limits. Boat policies don’t require warranties, although some insurers opt to include them.

Contact Us Today

Are you looking for boat or yacht insurance? Call one of our experienced insurance advisors at (833) 359-0725.

Tips for Living in a Flood Zone

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If you live in a flood zone, you know that the flood season can be a stressful time. The constant threat of rising waters can make it difficult to relax and enjoy your home. However, there are a few things you can do to help reduce your stress levels and make the most of your situation. By taking some simple precautions and being prepared for the worst, you can minimize the impact of flooding on your life. South Carolina Federal Insurance Solutions provides you with the following guide for living in a flood zone.

Tips for Living in a Flood Zone

1. Know Your Risk

The first step to reducing your stress during flood season is to know your risk. If you live in a high-risk area, you will need to take more precautions than those who live in a lower-risk area. Be sure to check your local flood maps and talk to your insurance advisor to determine your level of risk.

2. Have a Plan

Once you know your risk, you can start to prepare a plan. If you live in a high-risk area, you should have an evacuation route planned out. Be sure to practice your route and make sure everyone in your household knows where to go. You should also have an emergency kit prepared with food, water, and other supplies.

3. Get Flood Insurance

For those who live in a designated flood zone, purchasing flood insurance is not optional – it is required by most mortgage lenders. Remember, your homeowner’s insurance policy probably doesn’t cover flooding, and even if it does, the coverage is likely to be limited. A separate flood insurance policy can financially help protect your home and belongings from flood damage.

Get Flood Insurance in South Carolina

For those living in a flood zone, it’s important to know your risk and be prepared. Insurance Solutions can help you assess your risk to help you select a flood insurance policy to fit your needs. For more information on how to protect your most valuable asset or to get a quote, call us today at (833) 359-0725.

Top 5 Distracted Driving Habits and How to Avoid Them

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At South Carolina Federal Insurance Solutions, we make shopping for auto insurance convenient and affordable. Here we take on an important topic that affects almost all drivers.

Many of us have been guilty of distracted driving at one point or another, and modern technology like cell phones, in-car entertainment systems, upgraded stereo systems, and more make it harder to keep our focus on the road. Below are five quick and easy tips on avoiding distracted driving to keep yourself, your passengers, and others as safe as possible.

Limit Cell Phone Usage to an Emergency: When driving, your cell phone should only be used for an emergency. While hands-free driving technology that is found in every modern vehicle is extremely convenient, it can still cause you to miss key visual and audio clues needed to avoid an accident.

Don’t Drive Drowsy: Drowsiness is one of the leading causes of accidents in the United States. Your ability to react and make safe decisions while driving is diminished if you feel tired or are taking certain medications. Let someone else drive or call a rideshare service to reach your destination safely.

Stay Clear of Food: While it can be tempting to consume a meal while on the go, spilling food or taking your hands off the wheel to grab a bite means that your eyes are off the road and may put you and your passengers in danger. Instead, pull over for the few minutes it takes to eat your food.

Focus on Driving: Whether you have a long commute or make frequent road trips, the more time you spend in the car, the more tempting it may be to take care of other tasks like talking to your friends, text messaging, or finding a new podcast. Be smart and keep 100% of your focus on your vehicle and the others on the road.

Safety First: Protect the lives of any children in your care by utilizing age-appropriate safeguards and keep your pets clear of entry to the front seats. Secure any cargo that may move around while your vehicle in in motion. Always wear your seat belt and drive sober and drug-free.

Contact our experienced insurance advisors today to find out how safe driving behaviors can be rewarded. Depending on your individual insurance needs, multicar or multi-policy discounts, in addition to safe driver discounts, can be applied to help you save money too!

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