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SC 29406

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Three Claims Your Home Insurance Would Likely Cover

Every home insurance policy has specific terms that determine what claims it covers. At SCF Solutions, we can help Charleston, SC homeowners check exactly what types of claims their policy would cover. Here are three claims that homeowners insurance would likely cover in most cases.

1. Fire Damage

One of the most serious risks to homes is fire, as a single fire could cause extensive damage or total loss of your home. Whether it’s a kitchen accident, electrical fault, or an external cause, fire can be almost impossibly expensive to recover from without insurance. 

Home insurance policies typically cover the cost of repairs or rebuilding and replacing lost or damaged contents if a house fire occurs. 

2. Slip and Fall Accidents

Suppose someone is injured while on your property, such as in a slip and fall accident; you may be held financially liable for their medical expenses and other losses. Home insurance policies usually include liability protection, which may pay legal fees and medical expenses if a non-family member is injured in or around your house.

3. Burglary

Being victimized by theft can be both violating and costly. Home insurance can’t prevent the sense of violation you might feel, but it could help replace stolen items. A claim might also pay to repair any damaged windows, doors, or other parts of your home during the break-in.

Ensure Your Home is Protected

At SCF Solutions, we understand homeowners’ insurance needs in Charleston, SC. Contact us today to ensure your home insurance coverage meets all your needs. We’ll review your situation and risks and then help you find a policy that provides the proper coverage.

Four home insurance rules to follow

South Carolina Federal Insurance Solutions wants you to know some basic information about buying insurance for your home.

Don’t procrastinate before reporting claims

If you wait too long to file a home insurance claim, you might not be able to get costs covered by your policy. File claims immediately after home damage occurs to maximize your chances of getting repair costs covered by your home insurance policy.

Know how much your home is worth before you buy insurance

A home insurance policy should cover the full value of the property and any contents that it insures. That’s why it’s really important for homeowners to know how much their home is worth when they buy home insurance. Consider interior and exterior features and upgrades. Take time to understand the differences between market value, appraised value, and replacement cost.

Get quotes from numerous home insurance providers

Depending on where your property is located, you may be able to request for more than one quote for home insurance. Explore different carrier options and take advantage of those that offer discounts for policy bundling.

Update coverage periodically

As time goes on, your home insurance needs may change. You should adjust your coverage for both your home’s value and your unique financial situation.

We Are Here To Help

If you’re looking for home insurance in South Carolina, we’re here to help. Get in touch with the insurance advisors at Insurance Solutions to get a free quote on a home insurance policy.

Tips to prepare your home for a storm

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!

What Does Home Insurance Cover?

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!

What Your Home Insurance Protects

If you’re buying a home for the first time and need to purchase insurance to satisfy your mortgage lender, make sure you understand what your policy covers in the event of a claim. Many people are unaware of the different coverage types and optional coverages you can add to make sure your home and belongings are protected. For instance, replacement cost is an optional coverage which can help rebuild your home in the same spot, with the same size and quality of construction, at today’s costs. At Insurance Solutions, we can help you understand the terminology in your policy to determine if the coverages and limits are sufficient to protect your investment.

The Scope of Your Policy

Depending on the type of policy, homeowners insurance is surprisingly broad in its scope and will cover many different elements of your home. It will cover the dwelling itself and your personal property in it, subject to the policy limitations and deductibles selected.

But what about protecting you and your family? Let’s take a deeper look to find out what you can expect on this coverage front.

Personal Protection

Your home insurance can protect you and your family in a few different ways. The most obvious is your liability protection which helps to pay for injuries suffered by others on your property. This minimizes your financial liability should you experience a lawsuit.

Will your home policy protect your family if they get hurt on your property? Generally not. This coverage is provided most often by your family’s health insurance.

Protect Your Home

Give us a call today to answer your any questions you may have. Our experienced advisors can create an affordable home insurance plan that works best for your specific needs.

Important Home Insurance Tips To Remember While Researching Coverage

Insurance Solutions serves the residents of South Carolina, North Carolina, and Georgia. We can help you select an affordable policy with coverages tailored to your specific needs. Call us today at (833) 359-0725 to get started! We look forward to serving you.

Important Home Insurance Tips

Your home is one of your most prized possessions. Homeowners insurance can cover your house, other structures on your property, personal property, and additional expenses you may have in the event of a covered loss such as vandalism, fire, or a natural disaster. It’s important to make sure you are fully covered to protect this valuable asset. Our advisors can let you know what coverages are available to meet your needs. Click on the Email an Advisor link at the top of the page to upload your policy for a free review.

Here are some important tips to consider while you are searching for coverage.

Extra Coverage

Depending on your situation, it may benefit you to add extra coverages to your policy or obtain a new one. A standard homeowners policy does not include coverage in the event of an earthquake or flood. Our advisors can provide online quotes for you to consider. Also, if you have luxury items like art or jewelry, we can help get them scheduled separately on your existing policy to make sure they are covered if damaged or stolen.

Accessories

If you plan to install a swimming pool, consider adding umbrella insurance. This covers you if someone is injured on your property.

South Carolina Federal Insurance Solutions Can Help You Protect Your Assets

Call or email us today to learn more about our coverage options. We look forward to working with you to build a homeowner’s insurance package that will fit both your needs and your budget.

5 Tips for Getting the Most of Your Home Insurance

Wouldn’t you love to know how you can get the most from your homeowners insurance? In addition to doing your own research, the Insurance Solutions team is available to help you through the process.

Understand What Your Policy Covers

Many times, a homeowner will sign up for the bare minimum and think they’re set. Unfortunately, this often doesn’t provide the coverage you need if you have valuables in your home or are concerned about flood damage. Knowing and understanding what your policy does and doesn’t cover with regard to specific perils is important.

Let Our Advisors Shop for You

As an independent insurance agency, Insurance Solutions can help you find a policy to fit your needs. Our advisors have access to multiple carriers and and can compare available coverages and costs to help you choose the optimum solution for you and your family.

Market Value vs. Replacement Cost

It’s wise to consider the difference between market value and replacement cost in the unfortunate event that your home is seriously damaged. The market value of your home is the price you would get for your home on the real estate market, which includes the land.  Replacement cost is the cost to rebuild your house in the same spot, with the same size and quality of construction, at today’s costs. What about guaranteed replacement cost, actual cash value, and specified limits? Your Insurance Solutions advisor can explain the pros and cons of the insurance terms listed on your homeowners insurance policy and how it would respond if you have a claim. After a claim occurs is not the time to find out your coverage is inadequate to put things back the way they were.

Keep Records

Keep an updated home inventory and store it in a safe location. Include receipts, appraisal documents, lists, and photographs/videos. This way, you’ll be ready should the time come to make a claim.

Bundling Can Benefit You

Consider bundling other insurance policies with the same company as your home insurance. You may be able to save money and it’s more convenient too.

Getting the assistance of a quality insurance advisor makes it easier to get a solid home insurance policy. Our advisors have the knowledge and experience to help you obtain the best protection and value for the things you cherish most. Contact the Insurance Solutions team to get started.

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