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What Does Umbrella Insurance Cover?

Posted on by admin

South Carolina Federal Insurance Solutions is committed to helping property owners meet their insurance needs. Insurance products like umbrella insurance can help add an extra layer of protection to your existing home insurance policy. To learn more about this or other insurance products, please reach out to us.

Umbrella Insurance Protection

Umbrella insurance is an added layer of liability protection that picks up where your home insurance leaves off. On a regular basis, many homeowners policies offer adequate protection for your home and property, however, in certain circumstances, you may find that you need more coverage than your home insurance provides.

It’s important to know the terms and conditions associated with your home insurance policy. For example, if your child or a pet accidentally injures someone else or damages their property, you may not have enough homeowners liability coverage to pay for their medical or property bills. It is at this point that umbrella insurance would kick in and provide additional funds to help in a potentially expensive situation.

This scenario outlines why it’s so important to understand the terms and conditions of your insurance policies, including umbrella insurance. Our experienced advisors can explain the fine print associated with each policy to help you understand what the insurance does and does not cover. We can assist you with the submission of documentation to obtain coverage and support you with any changes that happen during the life of the policy.

Reach Out Today

If you would like to learn more about the benefits of having umbrella insurance protection or any of the range of products and services we currently offer, call us today at (833) 359-0725 to get started. We’re available to help you select insurance coverages that can help safeguard your financial assets when something unexpected happens.

Home-Buying Checklist: Buying in a Flood Zone

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Buying a home anywhere requires careful consideration; buying one in a flood zone requires you to consider additional factors. At South Carolina Federal Insurance Solutions, we encourage prospective homeowners to work through this convenient checklist when considering primary or vacation property in a flood zone.

Buying A House in a Flood Zone

First, find your zone on the FEMA Flood Map to determine whether the property you’re considering is in a flood zone. Zones are categorized as high risk, moderate risk, or minimal risk. It’s important to keep in mind that no location is risk-free. All homes face some risk of flood wherever they are located.

Remember to ask the selling agent how often the home floods and whether any previous damages have been repaired. Knowing how often the property has flooded in the past and how the damage was addressed will help you make an informed decision about the home.

Then, ensure your offer is contingent upon a satisfactory home inspection. Homes in high-risk zones may have experienced flooding before, and it’s important to confirm that any previous water damage was repaired according to industry standards before you purchase. If any unrepaired damage is identified, request that it be repaired and inspected by a professional before closing.

Finally, meet with your insurance agent who can help you find a policy that meets your needs as a homeowner. It’s important to understand that flood damage is not covered by most standard homeowners policies.

We Can Help!

The experienced team at Insurance Solutions is here to help you learn about insurance coverages to financially protect your new home. Contact us today to get started!

Startup Tips for New Entrepreneurs

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Starting a business is a dream come true for many. However, doing so comes with risks. Some of the risks, like competition from savvy competitors, may be unavoidable. You may be able to protect your financial assets from certain risks like severe weather events and criminal activity. If you’re starting a business, set it up for success by getting in touch with South Carolina Federal Insurance Solutions to help you explore commercial insurance options to mitigate your risks.

Entrepreneurs need to generate healthy revenue streams and monitor cashflows. Many businesses fail because of cash flow issues. It’s smart to have emergency funds that can cover unexpected repairs to malfunctioning equipment and vehicles used for your business to get them back in working condition quickly.

Mitigating Risks with Commercial Insurance

Commercial insurance plans can cover many different things. When selecting commercial insurance plans, it’s important to closely study the policy as coverage can vary from plan to plan. Commercial insurance plans can provide coverage to help pay for property or equipment damaged by a storm or if a customer is injured at your place of business. Commercial insurance plans can cover losses as a result of stolen cash receipts, equipment, inventory, and electronic data too.

Of course, individual businesses may have varying needs. It’s wise to closely consider the biggest risks to your business and then select commercial insurance policies that will mitigate those risks.

We Are Here To Help

The experienced insurance advisors at Insurance Solutions can explain coverages, limits, deductibles, and exclusions and help you select the insurance option that best mitigates the risks for your business. Call us toll-free today at (833) 359-0725.

Does Comprehensive Insurance Cover Hurricane Damage to Your Car?

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Hurricanes are a significant risk to anyone living on or near a coastal area of the United States. Comprehensive coverage is essential for anyone wanting to protect their vehicle from hurricane damage in these areas. To learn more about auto insurance and comprehensive coverage, you can count on the insurance professionals at South Carolina Federal Insurance Solutions to provide the residents of South Carolina and surrounding areas with quality insurance products.

Comprehensive Coverage

Comprehensive insurance coverage protects policyholders from many risks that collision coverage doesn’t. For example, if a hurricane impacts your area and your vehicle sustains damage, the claim may be paid by this coverage type under your auto policy. Other examples of damage coverage offered by comprehensive would be vandalism, damage caused by animals, and more.

If you would like coverage to protect your vehicle from various risks, our insurance advisors are ready to help. We can help you understand what is and isn’t covered by your current auto policy. We also help explain how coverage and vehicle changes to the policy may affect your premium. Should you have a claim, we can get you in touch with the right department at your insurance carrier to report it and answer any questions you may have regarding the claims process.

Reach Out Today

If you would like to learn more about comprehensive coverage for your vehicle or any other products to properly insure your valuable assets, please reach out to us by calling or stopping by one of our offices conveniently located in the Lowcountry, Midlands, or Upstate regions of South Carolina. Contact us today to get the insurance protection you need to reduce risks both on and off our state’s roadways.

Three Ways to Save on Auto Insurance

Posted on by Robin Easterlin

We know the rising cost of auto insurance premiums continues to be a concern amongst Americans. Regardless of whether you have filed a claim, your premium may rise as insurance companies continue to cope with inflation and an increase in theft and accident claims. Although many of these factors are out of your control, there are still steps you can take to keep your premiums as low as possible.

  1. Schedule an insurance review. We can help you find coverage for your specific needs as well as identify discounts you may not realize are available. By enrolling in automatic payments, bundling products, or maintaining a clean driving record, you may be eligible to receive additional discounts. Our team of advisors can provide a complimentary review to help you get the most out of your auto insurance.
  2. Participate in a safe driver program. Many insurance carriers offer safe driver programs which are designed to reward your safe driving practices. Also known as usage-based-insurance (UBI), these programs help align your auto policy’s cost with your actual driving habits by collecting data on your driving behavior over a period of time using a plug-in device or mobile app. While your auto insurance rate could be substantially discounted, it is possible that your policy’s premium may increase based on the results of the program. Our advisors can help you determine if a UBI program with one of our carriers, like Snapshot by Progressive, SmartRide by Nationwide, or IntelliDrive by Travelers, is a good option for you.
  3. Take a defensive driving course. Some insurance companies offer a multi-year discount on auto insurance by passing a state-approved defensive driving course. The South Carolina Department of Motor Vehicles (SCDMV) recommends the National Safety Council’s 4-Hour Defensive Driving Course which may be completed online. Our insurance advisors can help you determine your insurer’s available discounts.  

As an independent insurance agency, you can count on our licensed advisors to help you build a coverage plan tailored to your lifestyle at a price you can afford. Have a question about your policies? Give us a call at 833-359-0725 or email us to learn more.

Required Commercial Insurance in South Carolina

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When you own a South Carolina business, it’s important to know which types of commercial insurance may be required for you. There are two types that may be required for your business, so you need to understand each of them. There are also many commercial policies that aren’t required but are very helpful to businesses. If you need any type of commercial insurance, call us at SCF Solutions in Charleston, SC to find out more.

Required Commercial Insurance 

Workers’ Compensation Insurance

If a business in South Carolina has at least four employees, they are required to have this type of insurance. This is the case whether the employees are part-time or full-time. Workers’ compensation insurance pays for the bills that result from someone getting injured on the job or contracting a work-related illness. With this insurance, the medical bills from the injury or illness are covered, but it also pays a number of other costs. It can give disability benefits to the injured worker as well as pay your legal fees related to the case. 

Commercial Auto Insurance

When your South Carolina business owns a vehicle of any kind, that vehicle has to be covered by a commercial auto policy. This policy will cover the bills relating to accidents that your vehicle gets into. However, it’s only liability coverage that is required. If you want damage to your own vehicle covered, you need to get collision coverage. The required auto insurance coverage requires an amount of bodily injury liability for each person injured. It’s also required to have another amount of coverage for all of the injury liability from the accident. There is also a property damage liability amount required. If your business is a trucking company, there will be additional types of insurance that you need for your vehicles. 

Call Us Today

To get your commercial insurance, call us at SCF Solutions in Charleston, SC.

 

 

Tips to prepare your home for a storm

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Severe thunderstorms in South Carolina can bring damaging winds, hail, and lightning to your home if you’re not prepared. Here are some tips from the insurance advisors at South Carolina Federal Insurance Solutions to help you take action and minimize any impact that may occur.

Tips to prepare your home for a storm

1. Check Your Roof

Before a storm hits, take a look at your roof from the ground and see if there are any loose or missing shingles that need to be replaced. This will ensure that when the storm does hit, no water will make its way into your home through the roof.

2. Trim Trees and Bushes

Storms often bring high winds with them, so it is essential that trees and bushes around your house are trimmed up so they don’t cause any damage to the exterior of your house or nearby power lines in case they break off during the storm.

3. Close Windows and Doors

Make sure to close all windows and doors during a storm so that no wind, rain, or debris makes its way inside your house. If you have shutters on windows, it’s a good idea to close them for extra protection against strong winds and flying debris. Also, move any valuable objects inside.

4. Clear Gutters:

Clogged gutters can lead to water backup which could damage the siding and roofing structures of your home. Be sure to clear out any leaves or debris before the storm hits so that it doesn’t become a problem during the storm itself.

Keep Your Insurance Updated

By following these tips, you should be able to prepare your home for an upcoming storm and help protect it from potential damage! It’s important to read your policy to learn what types of storm damage may or may not be covered. A standard homeowners policy may not cover damages caused by flooding or earthquakes. Contact us at one of our regional offices today for a no-cost review of your insurance policies!

Why All Boaters Should Have Boat Insurance

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There’s nothing like spending the day cruising the waterways of South Carolina or relaxing while filling your cooler with fish caught in a salty marsh or creek. If you own a boat, it’s important that you protect yourself and your watercraft with insurance designed to cover damages in the event of an accident on the water. If you want to learn about the insurance options available for your boat, call one of the insurance advisors at South Carolina Federal Insurance Solutions before you find yourself in choppy waters.

Why Boat Insurance

Boating Accidents

Although South Carolina law does not require boaters to purchase insurance for their watercraft, it may be required by your lender and most marinas require it to be docked at their facility. Even if boat insurance isn’t required, it’s smart to protect your investment with insurance for risks like theft, collisions on the water and while trailering, fuel spillage, and other unexpected events. Boat insurance will help pay for damages to your boat as well as any damages or injuries you may cause to others. This protection is important to maintain your financial well-being.

Boat Coverages

Just as there are many types of coverage available in an auto insurance policy, there are different kinds of boat insurance coverage. Boat insurance protects you financially from injuries or damage you cause to others while boating. Insurance can cover your watercraft, motor, and trailer if stolen or physically damaged. Also, you can select and purchase additional coverages, such as uninsured/underinsured boater coverage, to give you more protection on the water. These costs won’t be covered under your homeowners policy.

Peace of Mind for Happy Sailing

Call Insurance Solutions at (833) 359-0725 to answer your questions and get a hassle-free boat insurance quote. It will give you the peace of mind knowing that you and your boat are adequately covered.

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

Posted on by admin

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.

Why Work With Us?

  • Locally-owned and Operated
  • Appointed with Top-rated Carriers
  • Experienced, Licensed Advisors
  • High Service Standards
  • Community Involvement
  • Secure Access to Your Policy Info
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