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110 Garner Road, Suite 3
Spartanburg, SC 29303

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What Should You Do If Your Car Was Stolen?

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No one wants to walk out their front door or leave a shopping center to find their vehicle stolen. It can leave a sinking feeling in your stomach. However, there are a few essential things that you need to do if your car is stolen. Read along as Allsurance Group, an insurance company serving the greater Spartanburg, SC area, describes the steps you should follow if your vehicle were stolen. 

Contact the Police

The very first thing that you should do if your car is stolen is to notify the police. Insurance agents cannot do anything unless you file a police report. 

Notify Your Insurance Company

Once you have filed a police report, contact your insurance company. This is important to do even if you do not have comprehensive coverage. Notifying your insurance company may help protect you if the car thief is in an accident in your vehicle. 

Get In Contact With Your Lender

If you have a loan out on your vehicle or are leasing your car, you must contact the lender. You should consider authorizing the lender to talk to your insurance company to expedite the payout process. 

Immediately Get in Touch With Your Insurance Company if The Car Is Recovered

Lastly, contact your insurance company if you are notified that your car was recovered. They can inspect your vehicle and cover any damage that may have occurred as long as you have full coverage or comprehensive auto insurance coverage. 

It is important to note that only vehicles covered under a comprehensive insurance policy are covered for car theft. If you do not have this coverage, you may want to consider getting it. If you want to protect your vehicle fully or want a new insurance policy in the greater Spartanburg, SC area, let the team at Allsurance Group help. 

Does Homeowner’s Insurance Cover a Dog Bite Injury in Spartanburg, SC?

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As a homeowner in Spartanburg, SC, it’s essential to understand what your homeowner’s insurance covers in the event of a dog bite injury. While many policies include liability coverage for dog bites, it’s important to check your specific policy to ensure you’re fully protected.

Start With Your Agent

If you need help determining whether your homeowner’s insurance covers the damage that comes after your dog bites someone, the team at Allsurance Group can help. We are experts in the insurance field and can help you understand your policy and the coverage you have. We can also help you determine if you need additional coverage to ensure you’re fully protected in the event of an accident.

Check for Exclusions

It’s also important to understand that some homeowner’s insurance policies may have exclusions for specific breeds of dogs. For example, if you have a species commonly known to be aggressive, such as a pit bull, your homeowner’s insurance may exclude coverage. In this case, you may need additional or separate insurance.

What to Do if Someone Gets Bit

If you’re involved in a dog bite case, it’s vital you take immediate action to protect your rights. It may include seeking proof of medical attention received, reporting the incident to the appropriate authorities, and contacting your homeowner’s insurance company to report the claim.

Get Someone On Your Side

The team at Allsurance Group, serving Spartanburg, SC, can help you navigate the claims process, which can be quite complex. We have years of experience working as a homeowner’s insurance company, and we’ve worked through plenty of dog bite injury accidents and homeowner’s insurance claims. So let us help you negotiate the best possible outcome for your case by contacting one of our agents by phone or email.

What Are The Types of Commercial Insurance?

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Certain things are needed to help achieve a stable and successful business operation. One of these things is commercial insurance. Business insurance is vital for all types of businesses, especially in client-oriented industries. If you are currently shopping for commercial insurance, here is a list of the most common types of business insurance you should know:

What Are The Types of Commercial Insurance That Your Business Might Need

Here are the types of commercial insurance that your business might need: 

  • Commercial general liability insurance. This type of insurance provides coverage for general business risks. It covers such common risks as property damage, medical payments, and bodily injury. 
  • Property insurance. If you invest in business property and valuable contents (such as office furniture and equipment), you want to ensure they are protected. That is why you need property insurance. It is especially beneficial for small businesses as it provides financial reimbursement to the owner of a commercial building and its contents. 
  • Business interruption insurance. Your business operations can be interrupted by different circumstances, including theft, vandalism, property damage, or natural disasters. The purpose of this type of insurance is to cover incidents that might disrupt your earning ability. 
  • Cyber liability insurance. This type of insurance aims to protect businesses from various cybersecurity issues, including data breaches and cyberattacks. This type of commercial insurance is especially beneficial for larger businesses. 

Allsurance Group – Your Reliable and Trustworthy Insurance Company in Spartanburg, SC

Suppose you are a business owner operating your business in Spartanburg, SC, or any other surrounding area in South Carolina and shopping for commercial insurance. In that case, Allsurance Group is here to help you. Our qualified and knowledgeable insurance agents are ready to answer your questions and help you find the best commercial insurance you need for your business. Please contact us if you have any questions or want to know more about the commercial insurance policies we offer. 

What is Full Coverage?

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Spartanburg, SC drivers are required by law to carry $25,000 to cover injuries per person or $50,000 per wreck, and $25,000 for property damage. Your Allsurance Group agent can speak to you about the other types of insurance we offer, including complete coverage protection. 

Your lender will usually require you to purchase a full coverage insurance policy while you carry a balance, as your liability insurance will only cover costs to the other party. This type of indemnification will extend to your bank’s investment, protecting their interests and yours. 

It is possible to get into a wreck that is your fault and not have any way to pay for your own injuries, property damage costs, and lost wages. Full coverage insurance tends to comprise two types of indemnification: comprehensive and collision. 

Collision insurance can help you if you collide with another vehicle and can be particularly important if your car is costly to replace or repair. This is the case even if your car is paid off. In addition, it can extend to accidents that occur with stationary objects, such as mailboxes or light poles. 

Comprehensive insurance is related to incidents that occur without involving a crash. This can entail situations like vandalism or theft, including weather events such as high winds, hail, or heavy rain. Fire is another hazard that may be covered as well as problems caused by animals. 

Allsurance Group Wants to Help

We specialize in providing superior insurance products and services to the residents of the Spartanburg, SC region, and we can answer any questions you may have. Reach out to us by phone, visit us on the web, or feel free to stop by our office for more information. 

Five Tips to Maintaining a Home Insurance Inventory

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A home inventory can be daunting. That’s why Allsurance Group is providing our Spartanburg, SC clients with a quick list of tips to make the process easier to manage. 

Make a Schedule

Develop a regular schedule for reviewing and updating your household inventory. Seasonal deep cleans are great for this. Pairing inventory management with a deep clean allows you to easily update what you’ve added and what you are getting rid of. 

Add As You Get

Whenever you make a big ticket purchase or after a significant shopping spree, update your inventory. Take photographs of the item/s and any receipts or purchase agreements. This way, you’ll have less to do during your seasonal updates. 

Don’t Neglect Storage

Attics, basements, storage sheds, and other hideaways can easily conceal forgotten valuables until they are needed. When creating your inventory, make a note of what’s in there. Label the visible edge of boxes and storage containers to quickly locate your things while you are in there. Whenever you add or remove a box, update your inventory. 

Get Redundant 

Your home inventory is only helpful if you can access it for a claim. You don’t want your inventory to go up in smoke. If you keep a hard copy at home, ensure another is saved elsewhere. Digital tools make this easy with cloud storage backups.

Use Technology 

Many apps make it easier to create and manage your home inventory. You can capture photos and videos, store serial numbers and receipts, mark locations, and easily update your inventory. Plus, they often have a remote backup to cloud storage, so you know your inventory list will be safe. 
Managing your home inventory need not be a hassle. Have more questions? Reach out to Allsurance Group today. Our knowledgeable staff is happy to assist our Spartanburg, SC clients. 

Why is it Important for Businesses to have Commercial Insurance?

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What is commercial insurance?

Many businesses have what is called commercial or business insurance. To understand why a company should have this, we first need to know what commercial insurance is. Commercial insurance is insurance that is specific to businesses and corporations. It covers business, employees, and ownership. Commercial insurance comes in many types to cover the various needs that companies may have.

Types of commercial insurance

  • General liability insurance
  • Property insurance
  • Business interruption insurance
  • Workers Compensation
  • Commercial auto insurance
  • Employment practices liability insurance
  • Cyber insurance
  • Management liability insurance
  • Errors and omissions insurance
  • Crime coverage

To find the right type of commercial insurance for your business in Spartanburg, SC, you can contact us at the Allsurance Group.

Why is commercial insurance important?

The number one reason commercial insurance is critical is it protects businesses from financial loss.

Things commercial insurance can protect against

  • Property damage
  • Theft
  • Liability
  • Injury of employees

Commercial insurance can also protect a company from going out of business. There are three main types or categories of commercial insurance. The first category is liability insurance. Liabilities can include things like a customer or employee getting hurt, something an employee does or fails to do, etc. The second category is property insurance, which can include things that happen to the property, such as natural disasters, vandalism, theft, etc. The third category is worker compensation, which includes anything that happens to employees on the job, such as health conditions or accidents that occur from the job. In Spartanburg, SC, worker’s compensation is required by law if there are four or more employees. Health plan insurance is required for companies with 50 employees or more.

Contact us at the Allsurance Group in Spartanburg, SC for any insurance-related questions.

Three features your auto insurance policy should include

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Choosing an auto insurance policy with the features you need to protect yourself financially and enjoy convenience is essential. We provide clients with auto insurance policies that include many convenient features at Allsurance Group. We have a suggestion for three.

You might want your auto insurance policy to include the following features. 

Automatic payments

Having a policy that offers automatic payments makes your life easier. Auto insurance providers can set your policy up so that your premium payments are automatically charged to your credit card or bank account. 

Automatic payments can prevent you from missing a payment. You mustn’t miss an auto insurance payment because your policy may be canceled if your payment is not made on time. 

Some auto insurance providers even offer discounts on auto insurance policies if customers sign up for automatic payments. 

Rental vehicle coverage

If you get in a bad accident, you might not be able to drive your vehicle for an extended period while it is in the shop for repairs. In this case, you’ll need alternative transportation in the meantime.

Fortunately, many auto insurance policies offer rental vehicle coverage. With this type of coverage, you will have the costs of renting a vehicle covered until your car has been repaired. 

Uninsured or underinsured motorist coverage

Unfortunately, some drivers out there aren’t carrying adequate auto insurance coverage. Suppose you get in an accident with such a driver. In that case, it’s important to have uninsured or underinsured motorist coverage so that you get any accident damages covered that you end up with. 

When you need to find the right auto insurance policy in Spartanburg, SC, we can assist you at Allsurance Group. Get in touch with us today to find the right auto insurance solution. 

Do I Need a Home Insurance Policy for a Mobile Home?

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Not everyone is interested in purchasing a large home for themselves and their family. Some look at mobile homes to meet their residential needs. Although these homes are smaller and don’t have the features of regular houses, do they still require a home insurance policy?

What is a Mobile Home?

A mobile home is a prefabricated (manufactured) residence built in a factory. It’s placed on a trailer and shipped to a mobile home community or a parcel of land. Although someone may own the residential space, the buyer owns the home itself.

These structures are different than recreational vehicles (RVs). While they can reside in a mobile home community, RVs fall under another insurance policy. 

Mobile Home Insurance

According to representatives at the Allsurance Group, mobile homes require special insurance. The reason is their unique construction and vulnerabilities to conditions like windstorms. As a result, owners of these structures must purchase mobile home insurance. 

A standard policy covers the unit, the property within, and legal fees if you cause harm to others on the property. While all mobile homes are insurable, older models have additional risks related to unregulated building and safety conditions. 

In most cases, mobile home insurance covers tornado damage for South Carolina properties. What it covers in relation to repairs or replacement depends on the initial limits and deductibles you select. For instance, a policy with low premiums may not have enough liability coverage.

For this reason, you want to speak with an insurance subject matter expert to get the right policy for your mobile home. So, contact representatives at the Allsurance Group in Spartanburg, SC to find the right coverage for your property.

Do I Need a Home Insurance Policy for a Mobile Home?

Posted on by agentinsure

Not everyone is interested in purchasing a large home for themselves and their family. Some look at mobile homes to meet their residential needs. Although these homes are smaller and don’t have the features of regular houses, do they still require a home insurance policy?

What is a Mobile Home?

A mobile home is a prefabricated (manufactured) residence built in a factory. It’s placed on a trailer and shipped to a mobile home community or a parcel of land. Although someone may own the residential space, the buyer owns the home itself.

These structures are different than recreational vehicles (RVs). While they can reside in a mobile home community, RVs fall under another insurance policy. 

Mobile Home Insurance

According to representatives at the Allsurance Group, mobile homes require special insurance. The reason is their unique construction and vulnerabilities to conditions like windstorms. As a result, owners of these structures must purchase mobile home insurance. 

A standard policy covers the unit, the property within, and legal fees if you cause harm to others on the property. While all mobile homes are insurable, older models have additional risks related to unregulated building and safety conditions. 

In most cases, mobile home insurance covers tornado damage for South Carolina properties. What it covers in relation to repairs or replacement depends on the initial limits and deductibles you select. For instance, a policy with low premiums may not have enough liability coverage.

For this reason, you want to speak with an insurance subject matter expert to get the right policy for your mobile home. So, contact representatives at the Allsurance Group in Spartanburg, SC to find the right coverage for your property.

What Happens If I Don’t Have Commercial Insurance?

Posted on by agentinsure

If you are a business owner, it’s vital to have commercial insurance. This will protect your business in the event of an accident or lawsuit. However, what happens if you don’t have commercial insurance? This blog post will discuss the consequences of not having commercial insurance.

Heavy Fines and Jail Time

Not having the proper insurance might be against the law, depending on the business. For example, in Spartanburg, SC, all companies with two or more employees must have workers’ compensation insurance. If they don’t and an employee is injured on the job, not only can they be fined but also jailed.

Breaking a Lease

If you are leasing commercial space, your lease agreement will likely require you to have certain types of insurance. For example, your landlord may require you to have liability insurance in case someone is injured on the property.

If you don’t have the required insurance and something happens, you could be held responsible and sued. Your landlord could terminate your lease agreement if you don’t have the proper insurance.

Losing a License

Certain business licenses can be revoked if you don’t have the right insurance. For instance, food service businesses must have liability insurance that covers them if someone gets sick from eating their food. If you don’t have this coverage from a reputable agency such as Allsurance Group and someone does get sick, the health department could shut down your business.

Facing a Lawsuit

If someone is injured on your property or you are sued for some other reason, not having commercial insurance means you will have to pay for damages and legal fees out of your pocket. This can be financially devastating, especially for small businesses.

Missing Out on Contracts

Many businesses require their vendors and suppliers to have commercial insurance. If you don’t have the right coverage, you might be unable to do business with them. This could limit your customer base and revenue.

Why You Need Commercial Insurance

As you can see, many risks are associated with not having commercial insurance. The Allsurance Group can help you find the right coverage for your business. Contact us today to learn more. Spartanburg, SC businesses trust us to provide them with the best.