South Carolina has a picturesque coastline that all condo owners wish their patio overlook. Still, the region is susceptible to natural disasters that cause damage throughout the community. Standard condo insurance policies cover a range of natural disasters, but that varies with each provider. The team at C & H Insurance Associates LLC can assist in learning more about what damage from a natural disaster is covered in your condo insurance policy.

Standard Condo Insurance Natural Disaster Damage Coverage Options

Sometimes, enduring the risk of a natural disaster comes with living in South Carolina. Still, all condo owners should know what is covered should a natural disaster occur. A standard condo insurance policy will cover all structures permanently attached to the condo. Also, the coverage should protect the flooring and walls if a flood, hurricane, or tornado damages them. It is crucial to read the policy before signing, as the documentation will show what is protected from a natural disaster. 

Personal Property Damage Value

Condo insurance pays the current market value for all personal property damage caused by extreme weather conditions. But the payment amount does come with a limit. To protect your investment, place a dollar value on the policy for all personal property items. It will help claim adjusters calculate the correct final cost of all property damage. 

South Carolina Loss Assessment Coverage

In the event of a natural disaster, you need to understand the guidelines of your condo association. And just like your condo insurance policy, the association has limits on the coverage provided. Under the South Carolina loss assessment coverage, if the common area (roof and structure) shared by two units is damaged, the condo association will pay a portion of the repair cost. The unit’s condo insurance policy pays the remainder of the bill. 

If you are unsure about the coverage offered in your condo insurance policy for natural disaster damage, call C & H Insurance Associates LLC. Our staff can offer all options available and build a policy that meets your insurance needs. Contact us today!

You are not alone if you’ve noticed an increase in your auto insurance rates. Many in South Carolina have seen increases. At C & H Insurance Associates LLC, we want you to know that there are logical reasons behind the increases.

Rising Automobile Costs

Vehicle prices have risen to the point where an average new vehicle costs over $40,000. More people are also choosing more expensive vehicles, like SUVs. Many new car buyers are also selecting more expensive comfort options, contributing to higher rates. 

Technology

Vehicles today are more technologically advanced. They include crash avoidance systems, multiple cameras, and expensive infotainment systems to keep drivers entertained and connected, which can increase repair costs. 

How Cars Are Constructed

Even a small collision can create expensive damage. This is due, in part, to cameras, radar, and other technology built into parts like fenders, doors, and bumpers. What used to be simple repairs have become increasingly difficult and expensive to repair or replace.

Rising Parts Costs

Supply chain issues and inflation have caused a rapid increase in the cost of parts, thus repairs. Even the cost of common items like tires, batteries, and brakes has increased rapidly.

Fraud

Unfortunately, a certain level of fraud has always existed in the insurance industry. Inaccurate or padded claims or repair costs can add to everyone’s car insurance rates. 

Get a Price Quote From C & H Insurance Associates LLC

Comparing rates is one of the best ways to combat rising car insurance rates. Contact our South Carolina insurance professionals soon for a review and price quote. We will be pleased to help you maintain control of your auto insurance rates.

Nobody’s perfect. The truth is that all kinds of purveyors of professional services in Georgia and South Carolina occasionally make mistakes. C & H Insurance Associates LLC can write you an errors and omissions policy to keep those mistakes from painful financial consequences.

Errors & Omissions Insurance

Errors and omissions insurance, also known as E&O insurance and professional liability insurance, offers protection against negligence or failure to perform paid professional services.

This insurance will protect you from financial loss if you are sued and found to have failed to perform professionally, but it will also help pay your legal expenses. With E&O insurance, you can negotiate with your customer from a position of security, knowing that you have the resources to get legal representation if the dispute cannot be resolved outside of court.

Who Needs Errors & Omissions Insurance?

Certified public accountants, architects, and engineers offering their services to the public, web designers, publicists, therapists, and real estate agents in Georgia and South Carolina have a well-known need for errors and omissions insurance.

Professionals who generally don’t realize they need errors and omissions insurance include teachers, tutors, trainers, barbers, beauticians, cosmetologists, estheticians, insurance agents, caterers, wedding photographers, home repair contractors, soil conservation contractors, sewer services, pest control experts, home inspectors, and notaries public.

Neither Georgia nor South Carolina requires errors and omissions insurance. But having errors and omissions insurance signals your customers that you are serious about your performance. When going for larger contracts and VIP customers, errors and omissions insurance is one more indicator of your professionalism.

C & H Insurance Associates LLC serves South Carolina and Georgia customers. Make an appointment with us to discuss all of your commercial insurance needs.

 

Here at C & H Insurance Associates LLC, we are dedicated to serving South Carolina and its neighboring areas, ensuring the safety of your belongings is our utmost concern. While home insurance typically emphasizes shielding the property’s physical structure, personal property coverage holds equal importance.

Protecting What Matters

Consider the various items within your home: furniture, electronics, clothing, and treasured possessions. These items hold both monetary and sentimental value. In unfortunate events like theft, damage, or natural disasters, having adequate personal property coverage becomes indispensable. Without it, the financial burden of replacing these items could be overwhelming.

Enhancing Your Home Insurance

Standard home insurance policies might have limitations on specific categories of items or might not fully cover their value. This is where additional personal property coverage becomes invaluable. It steps in to offer extended protection for your prized possessions, ensuring you can recover and rebuild without enduring substantial financial strain.

Tailored Solutions

Understanding the unique needs of all residents, our team specializes in crafting home insurance policies that include comprehensive personal property coverage. We recognize that each home is unique, and the possessions within it hold individual significance. Our tailored solutions ensure that your belongings are adequately protected.

Secure Your Peace of Mind Today!

Secure your peace of mind by ensuring your belongings receive the protection they deserve. Contact C & H Insurance Associates LLC, serving South Carolina and the surrounding areas today, to explore our personalized home insurance solutions. Discover how our comprehensive personal property coverage can safeguard your cherished possessions, offering security for you and your family against unforeseen events. This approach ensures your home insurance shields both the structure and its contents, offering comprehensive protection for your home and belongings.

In South Carolina, our team at C & H Insurance Associates LLC can help RV owners find a policy that makes sense for their needs. But what kind of RVs will need insurance? Let’s take a deep look at this question to ensure you get the answers that you deserve here. 

All RVs Should Have Insurance 

Here’s the thing: if you have an RV and plan on camping, you need insurance. It’s not simply enough to just hope for the best here. Protecting your RVs with insurance, no matter their type, is simply a smart idea. Here are just a few types you should consider here:

• Camper: Yes, a towed camper needs insurance because even if your auto policy does cover it a little while you’re hauling it, there are special issues that might need extra protection.
• Motorhome: When you own a motorhome, you need a special insurance policy that protects you from common problems like serious liability dangers and crash risks.
• Fifth Wheel: Large fifth-wheel campers require specialized tools and heavy hauling loads, which means that you should get extra RV coverage to keep your RV safe.

How Insurance Protects You 

RV insurance helps with various protection types that keep your vehicle safe while on the road and when camping. For example, various liability coverages will keep your RV safe when driving and parking, as well as collision, breakdown, and roadside protection options.

Learn More Today

If you like camping in South Carolina and own an RV, please don’t hesitate to contact us at C & H Insurance Associates LLC to learn more. Our crew will help you find the protection that you need and will insure your vehicle properly to keep your camping going smoothly and efficiently and protect you from serious issues.

Boat owners in South Carolina can insure their boats with C & H Insurance Associates LLC. We’ll provide you with the insurance coverage you need to enjoy financial protection as a boater. 

It’s important for boaters to be accurately informed about boat insurance considerations.

Here are four things that boaters shouldn’t assume when it comes to boat insurance:

All life insurance policies are the same.

If you’ve never bought life insurance before, you might be surprised at just how much customization is possible on life insurance policies. 

Life insurance policies can differ on a wide range of factors including death benefit amount and term length. That’s why you need to carefully explore your options and decide upon life insurance policy terms that are ideal for your situation. 

Life insurance isn’t needed for those who don’t have any dependents.

A lot of consumers who don’t have any dependents still benefit from life insurance. Business owners are just one example of a type of consumer who can benefit from life insurance without having dependents.

As a business owner, carrying life insurance can help ensure the continued survival of your company if you pass away unexpectedly. This can help protect the livelihood of a business owner’s employees. 

Employer-sponsored life insurance is enough.

It’s fairly common for employers to offer life insurance coverage to their employees. While employer-sponsored life insurance can be helpful, it is often not enough to ensure your dependents’ financial stability if your income is lost. 

Life insurance is only for the wealthy.

Life insurance isn’t a product that is designed for only wealthy consumers. In fact, life insurance is most important for consumers at a more moderate income level who might not have a lot of assets to leave to their dependents if they pass away unexpectedly. 

We Are Here To Help

If you’re ready to insure your boat, call us at C & H Insurance Associates LLC to get a quote. We can sell you an insurance policy to cover your boat in South Carolina. 

Flooding in South Carolina isn’t uncommon, and when it happens, it can cause financial devastation even after the cleanup. Having adequate flood insurance may help minimize some of the financial blow you can expect, and it may help you avoid losing your home to an unexpected event. At C & H Insurance Associates LLC, we offer comprehensive flood insurance in South Carolina to meet most client needs.

Understanding Flood Insurance

The traditional home insurance policy does not, typically, cover floods or water that enters the home from natural events like thunderstorms or a nearby stream overfilling. In coastal areas, like much of the state, there is a much higher risk of floods occurring, and as a result of that, having flood insurance becomes critical. Typically, mortgage lenders require flood insurance for homes in all areas of the state.

With a policy in place, you have protection in the event that a flood occurs and water enters your home, causing damage. The National Flood Insurance Program recommends most homeowners in the state purchase coverage.

Buying flood insurance from a private company allows you to obtain the level of coverage that fits your needs. Keep in mind that these policies often have a 30-day waiting period. You do not want to wait so long that you cannot get coverage in place before a projected hurricane or serious thunderstorm approaches. Some policies may be able to be put in place sooner.

Let Our Insurance Team Help You Cover Your Home

Investing in flood insurance alone or as a part of your home insurance is something our insurance agents at C & H Insurance Associates LLC can help you with right away. Contact our team to discuss the type and amount of coverage best suited for your needs in South Carolina.

For those who live in the state of South Carolina, owning a condo can be a good idea. When you are an owner of a condo, you will enjoy being a property owner and can benefit from various onsite amenities. When purchasing a condo, you should make sure that you get insurance for it. You likely will have requirements set by various parties when you are a condo owner. 

Association Requirements

One type of condo insurance requirement you may have is coverage required by your association. In practically all situations, a condo association is going to require that you continue to carry and maintain a full condo insurance plan. With this coverage, an association will be assured you have the resources to make repairs to your home or to another unit if there is an accident or incident of damage. Because of this, it is likely they will require you to provide evidence of coverage at least once per year. 

Lender Requirements

It is also a good idea to get a condo insurance plan so you can meet standards that are set by your lender. When you are going to buy a condo, taking out a mortgage is common. As a lender will have a security interest in your condo, they will likely require that you carry condo insurance until you have paid off your loan.

Consult With Us

There are always going to be condo insurance requirements when you purchase a condo in the state of South Carolina. As you are starting to look for a new plan, you should call us with C & H Insurance Associates LLC. At C & H Insurance Associates LLC, we know the importance of this coverage. We can also ensure you build a plan that provides quality coverage and meets your requirements. 

If you are in the state of South Carolina, you likely recognize that owning a car is a practical necessity. When you are a car owner here, you do need to carefully assess your auto insurance needs. In many cases, having a proper auto insurance policy is going to be a requirement. There are various reasons why having an auto insurance plan will likely be a requirement for you and in your situation. 

You Took Out a Loan

A reason why having an auto insurance plan will be a requirement for you is that you took out a loan. Car prices have soared over the past few years and taking out a loan is a great way for people to finance the purchase. If you have taken out a loan, you likely will have specific insurance requirements set by the lender. If you do not have this coverage, you will be in default of the loan agreement. 

You Want to Drive on a Public Road

Another reason why having an auto insurance plan will be an obligation and requirement is that you want to drive on a public road. In this state, all motorists are required to carry a liability insurance plan. This helps to ensure they have financial resources to cover damages that could be caused in an accident. If you do not have an auto insurance plan, you will be in violation of state law. 

Reach Out To Us

It is very important for any motorist in South Carolina to have an auto insurance plan at all times. As you are looking for a new plan here, you can call our team at C & H Insurance Associates LLC to start the process. When you work with us at C & H Insurance Associates LLC, you will get the help you need to build a new policy. 

If you own a South Carolina business, you need the proper insurance to protect it. There are types of commercial insurance that are required for some businesses in the state. If you meet the requirements for these commercial policies, your business must get this coverage and keep it. It’s important that business owners know what these required insurance policies are and whether they are required for their business.

To find out more, give us a call at C & H Insurance Associates LLC in South Carolina.

Required Commercial Insurance

Workers’ Compensation Insurance

Every business with employees should have this type of insurance to protect itself. However, it’s only required in South Carolina for businesses that have at least four employees. These workers can be part-time or full-time. This type of insurance covers your business against injuries that happen to work. It also covers work-related illnesses. This insurance pays for the medical bills of those who get injured or sick, and it pays disability benefits when needed. It will also pay for the legal costs that come from a work-related injury. 

Commercial Auto Insurance 

Every vehicle that’s owned by a business in South Carolina has to have a commercial auto insurance policy. This policy protects your business in case of accidents that are caused by your vehicle. When you get your auto insurance, there are specific types of coverage that are required to be in it. These include two different amounts for bodily injury liability and one amount for property damage liability. It’s a good idea to also add to these policies with collision coverage. This protects your business by protecting your vehicle against the cost of damages to it. 

Get Commercial Insurance for Your Business

When your business is required to have commercial insurance, call us at C & H Insurance Associates LLC in South Carolina.