Personal Coverage

Automobile accidents are the most likely personal cause of a severe financial loss.  Most families do not realize the importance of this coverage. If you do not have proper coverage you are putting your personal assets on the line in the event of a serious crash.  With medical cost rising and litigation becoming more prevalent, your exposure for life changing judgments grows daily.  Our auto insurance products are here to cover your needs.  

• Multi-Policy
• Driver Training
• Good Student
• Anti-Lock Brakes
• Air Bags
• Safe Driver
• Accident Forgiveness
• Diminishing Deductible

Do you rent an apartment or home? Fire and Theft happen everyday and your belongings are valuable.  Think of the cost to replace your TV, Computer, Stereo, Furniture and Clothes. Renters insurance is a great way to take care of your valuables and liability. 

Your personal home is most likely your single largest investment. Homeowners or Home Insurance is an inexpensive way to take care of your home, belongings and personal liability in one package.  We offer replacement cost coverage that can cover various perils including theft, wind, lightning, hail and many others.  Your agent will help you select the coverage that is right for you and your family's needs. 

• Multi-Policy
• New Home Purchase
• Smoke Detector
• Deadbolt
• Fire Extinguisher
• Homeowners Association
• Central Station Alarm

Flood insurance is not included in your home insurance policy but is available.  

Rising water is a peril that is covered by a flood insurance policy.  If you are near any body of water or just want to be covered we have a policy for you at our Spartanburg location.

Earthquake insurance can also be added upon request. 

Most people do not think of South Carolina as an area to worry about earthquakes but they are mistaken. South Carolina is an active area between the Charleston Fault and the New Madrid Fault in Tennessee.  An earthquake in either area could cause damage to your home.  
www.scearthquakes.com.

Umbrella insurance is a great way to increase your personal liability coverage for a low price. The typical umbrella policy is much more affordable than most people realize (around $200 per year depending on your profile) and can add an additional $1,000,000 to $5,000,000 in coverage. 

Your current policy may not cover or have a limit on the amount of coverage for Jewelry, Furs, Guns, Silverware and other collectibles. We offer scheduled policies that pay an agreed amount if a loss occurs. 

Boats, Jet Skis, ATV's, Golf Carts and other motorized vehicles are specifically excluded under most home insurance policies.  There are policies available to cover your liability and physical damage to these types of vehicles. 

We offer coverage for your classic and collector autos.  We represent several carriers that specialize in auto insurance for these types of vehicles.  Each of these carriers offer ultra competitive pricing with $0 deductibles and agreed value to repair or replace your restored vehicle in the event of a loss.