It’s important to review your Spartanburg, SC automobile insurance policy every six months to ensure you are getting the right coverage for your needs. But did you know there are other times to review and potentially update your insurance information with your agent with the Allsurance Group? The following is a look at some of the other major life changes that often require an adjustment to an existing or upcoming automobile insurance policy:
Common Life Changes That Require Insurance Adjustments on Your Spartanburg SC Auto INsurance
- Marriage and divorce. When you get married or move in with your significant other, it often means that you’ll be sharing your car or theirs. Make sure to contact your insurer to have the significant other added to the authorized driver list. Likewise, if you get separated or have a divorce, then have them taken off to save money.
- Moving or otherwise changing where your vehicle is parked. Did you know that your insurance costs can differ depending upon where your vehicle is parked? In general, automobiles parked in secured garages will have a lower rate than those parked out on the street. As such, it’s important to alert your insurance agent whenever you move or change where you park your vehicle when not in use.
- Switching up your job or vehicle usage. If you change jobs and thereby change your commute, then you may want to talk with your Allsurance Group about the changes in daily mileage as it could change your rates. For example, if you start working from home then you may be able to change your policy to a low mileage one which would reduce your rates. On the other hand, if you start using your vehicle for carpooling or car sharing, then you may want to consider adding additional coverage to protect you in the event of an accident.
Learn More By Contacting Allsurance Group
Contact our team at Allsurance Group, serving Spartanburg, SC and beyond, for more information.
Climate change is bringing more incidents of severe weather. Rain and thunderstorms are becoming more frequent and causing more damage in many parts of the country. South Carolina is not immune to these problems. Be sure to conduct a home insurance review with your agent at Allsurance Group, serving Spartanburg, SC, and the nearby communities, to make sure your home insurance is adequate.
How to Prepare for Storms
Here are some tips of things to do to protect a home from storm damage:
- Roof Maintenance: Keeping a roof in good condition is something that should be done with regular maintenance. Any small leaks can be a source of major damage in a big storm. For shingle and tile roofs, replace any broken tiles or damaged shingles.
- Clean Gutters: Keeping gutters free of debris lets rainwater runs off the roof properly and not collect in a pool on the roof that can cause a leak.
- Repair Downspouts: It is important to make sure any water that comes down from the roof goes properly through the downspouts to flow away from the home. Water that collects at the base of the home’s exterior walls, and then seeps down, can damage the foundation by causing cracks to form during freezing temperatures.
- Sump Pump: For homes with a basement and others with rooms subject to water seepage, be sure you have a sump pump and that it is in working condition.
- Seals Windows and Doors: Be sure the doors and windows have proper weather-stripping and do not leak.
- Siding Maintenance: Keep siding in good conditions through regular maintenance and repair any cracks or loose siding.
- Landscaping: Regularly trim trees. Large trees near home are especially dangerous. Considering cutting them way back or removing them altogether.
- Fencing: Check fence posts to make sure there are no loose ones. Strong winds can uproot them and turn them into projectiles.
- Emergency Generator: Have a working generator for emergency power and fresh fuel supply that is safely stored and ready for use.
- Storm Windows: If a storm is coming, put up storm windows or cover glass windows with strong plywood.
To get a quote for home insurance call 864-641-6371 to speak with your agent at Allsurance Group in Spartanburg, SC or use the online request form.
Do you own a professional services business? This includes engineers, printers, accountants, CPA, architects and software developers. What happens if you make a mistake that results in a financial loss for your clients? Besides feeling bad about the situation, you may be liable for damages. Since there’s no bodily injury and no property damage took place, it’s not covered by general liability insurance. Property insurance won’t help you in this scenario either. As part of your commercial insurance coverage in Spartanburg, SC, you may wish to consider professional liability, also called errors and omissions insurance.
What Is Errors and Omissions Insurance?
Your Insurance Group representative can help you understand how professional liability insurance can protect you from errors and omissions. This brand of liability insurance prevents you from paying the full cost of a negligence claim, which can result in court costs and damage awards if a civil lawsuit ensues.
Errors and omissions insurance covers alleged failure to perform when a financial loss results from mistakes in your service product. Some legal actions aren’t covered by E&O, so it’s best to consult with your insurance agent on how to protect your business and to understand what’s covered by any insurance you purchase. Professional liability insurance sometimes takes on other names in varying professions and may be required under contract by some businesses and individuals.
Who Needs Errors and Omissions Insurance?
Not every business requires errors and omissions insurance. However, if yours provides services for a fee, you may want to learn more. If you are considering E&O insurance for your Spartanburg, SC business, contact Allsurance Group today for the straight facts or make an appointment to obtain a quote.
Every state is unique when it comes to auto insurance requirements and the state of South Carolina is no different. South Carolina drivers need to be aware of insurance requirements within the state when buying insurance. The Allsurance Group serving Spartanburg, SC can help you know what requirements exist.
Auto Insurance is a Requirement
When you go to get a driver’s license in the state of South Carolina, you are admitting to one of two things. You certify when you get your license that you have insurance through an automobile liability policy. It is either that, or you certify that you do not own a vehicle.
Liability Auto Insurance Minimum Requirements
The state of South Carolina also requires vehicle owners to have liability auto insurance with certain minimum limits. This means your limits have to be, at least, these amounts. The limits include the following:
- A limit of $25,000 for bodily injury or death of a single person in a single accident where the cause was from the owner or driver of the vehicle insured.
- A limit of $50,000 for total bodily injury or death liability when you are in a single accident which has a cause of the owner or driver of the vehicle insured.
- A limit of $25,000 for property damage per accident where the cause is the owner or driver of the vehicle insured.
In addition to these, uninsured motorist (UM) coverage is a requirement in South Carolina. This will protect you if the at-fault driver in an accident has no insurance.
South Carolina auto insurance requirements must be a part of every insurance policy you buy. If you do not comply with state requirements, your auto insurance will not be adequate. Work with the Allsurance Group to ensure your auto insurance policy complies. Serving Spartanburg, SC the group can help be sure your auto insurance checks all of the state requirements.
Home insurance is something that all homeowners can benefit from and having a policy that is tailored to your particular property is a must. Your home policy is going to cover everything in the home, and any seeds that are on your property as well as their contents. For those that live in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that works for you.
Home policies cover a huge range of things that you may not even realize, like a shed that is on your property. Sheds are considered to be part of home property which means that if a shed catches on fire or is destroyed, you can claim it on your home policy and can also claim the contents of the shed as well. Your home policy will need to have sheds and any sort of contents named on the policy however in order for you to be able to claim them.
When you take out a home policy you need to establish what buildings are on the property and what the contents of those buildings are valued at. This is a similar notion to insuring a detached garage, you need to name both the building and state how much you want to insure the contents for. When you take a home policy you should allow the insurance adjuster to take a look at the shed and determine how much it needs to be insured for and how much you should insure the contents for as well.
It is always easier to figure out what to insure a shed and its contents with the help of an agent. For those in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that covers your home and your shed.
Though the city of Spartanburg, SC has less than 1% of water, we know a lot of water is to be had in the states of North Carolina and South Carolina which we serve faithfully. As a result, many of our residents make their living in the waters of these beautiful states. There are many factors involved in determining how your commercial policy should look in alliance with your business on the water.
The most important factor is the type of business you are conducting on the waterways of North and South Carolina. If you are involved in fishing or boating tours then you may consider adding recreational insurance as an arm of your commercial insurance policy. If you are merely fishing and selling the proceeds of the catch your commercial insurance policy will look quite different. These subtle differences are why you should always sit down with an experienced insurance agent to ensure that you are protecting your business and your personal assets. Another facet of your concern should be if you split your time between business and pleasure on the water. We would love to sit down with you and clearly outline how Allsurance Group of Spartanburg, SC can part the waters in terms of your newfound understanding of your commercial insurance policy.
Allsurance Group is located at 930 Hospitality Dr. in Spartanburg. Contact us by telephone at 864-641-6371. We take pride in who we are and how much we know about the insurance field. It is our pleasure to serve you and make certain that you have the very best coverage to meet you and your family’s needs. We welcome you to learn more about our auto insurance, homeowners insurance, commercial insurance, life insurance, motorcycle insurance, renters insurance, recreational vehicle insurance, and our umbrella insurance policy. Stop by or call today.
Truck owners in Spartanburg, SC may love going off-road during the spring and fall, when the mud is thick and they can really throw it wide. However, these individuals may worry about what happens when they crash. Will a policy from Allsurance Group pay for this damage? The answer to this question may not be to all driver’s liking.
Mudding May Negate Your Policy
Here’s something that few people may not realize about their insurance: the moment that they go off-road, their policy is not in effect. Essentially, this kind of driving is considered negligent or dangerous because most vehicles were not designed for it. Insurance is designed to only cover driving that is reasonable and safe.
As a result, any accident that you suffer while off-road may be uninsured and cause serious financial issues. This coverage limitation only applies in situations like mudding, where you purposefully go off-road to ride. Driving on dirt roads isn’t considered off-road because, even though it is primitive, the path is considered drivable.
Off-Road Insurance is Available
However, drivers may be able to add off-road protection to their policy to improve their coverage and avoid serious complications with their truck. This type of coverage typically requires collision protection, bodily injury issues, and property damage.
Make sure to ask your provider for all of these options on your policy. Failure to have these options could cause issues if you crash into somebody, damage their home or vehicle, and injure them at the same time.
Get the Insurance That You Need
So if you love off-road racing and plan on mudding in Spartanburg, SC any time soon, please contact us at Allsurance Group. Our experts will find a plan that works for your needs and work to ensure that your care is insured when you go off-road.
Affordable auto insurance is on every Spartanburg, SC driver’s wish list. Driver discounts are one way that insurance providers help make their auto insurance policies more affordable to the public. Allsurance Group understands the importance of finding auto coverage that fits your wallet as well as your needs. Here are a few popular auto insurance discounts that’ll help you save money.
Good Driver Discount
Staying out of trouble has its perks, especially when it comes to your auto insurance. Most auto insurance providers offer sizable discounts to policyholders who remain accident-free and ticket-free for a certain period of time – usually 3 consecutive years or more.
Owning more than one vehicle can also be in your favor when it comes to discounts. Insurance providers value loyalty and one of the best ways of demonstrating that is by insuring all of your vehicles on a single policy. The significant savings you’ll see by bundling your vehicles under one policy can be a big benefit if you’re on a tight budget by having multiple vehicles to ensure. Multi-vehicle discounts apply as long as you have more than one vehicle insured on the same policy and that vehicle is either driven by you or a family member in your household.
Affinity Group Discount
Sometimes, getting good discounts on your auto insurance is as simple as being a member of a participating group. Insurance providers offer discounts to affinity groups – businesses, clubs and organizations based on a common interest – in exchange for the group encouraging their members to buy insurance from a particular provider. Affinity group discounts can knock a significant amount off your annual insurance premium. Some affinity group discounts may require purchasing a less personalized insurance policy than you’d normally choose.
At Allsurance Group, our goal is to help tailor the best auto insurance coverage to your needs. Call us whenever you need our services in the Spartanburg, SC area.
One of the biggest potential mistakes that homeowners make when it comes to making a decision about home insurance is to only get the basic insurance required by the mortgage lender for the property. Studies show that more than two-thirds of American homes are likely to be under-insured. Talk with your agent at Allsurance Group serving Spartanburg, SC and the surrounding areas to understand your home insurance policy limits and to see if you have adequate home insurance.
Avoiding Under-Insurance Problems
The reason why homes are under-insured when having only the basic insurance required by the mortgage lender is that the only amount insured is the balance remaining on the home loan. This insurance only protects the mortgage lender to make sure the home loan balance is paid off if the home is totally destroyed. Obviously, this does little to help the homeowner if their home is destroyed. Any down payment or difference between the value of the home and the remaining loan amount is completely lost causing a huge financial problem for the homeowner.
Replacement Cost Home Insurance
A much better thing to have for the homeowner’s protection is a home insurance policy that covers the replacement cost value of the home. This type of insurance allows a home to be rebuilt to a similar condition after it has been completely destroyed. Also, talk with your agent about flood insurance because this coverage is an additional policy that is separate insurance from home insurance.
Each year, take the time to get an insurance review and explain to your insurance agent anything that has changed during the past year. For example, if you make a renovation on your home, tell the agent about the work that was done and how much you spent on the construction project. The agent will also use a cost-increase factor to recalculate replacement cost because the cost of materials and labor usually increases each year.
When you have replacement cost home insurance, you can rest easy and know that if there is a major disaster your home can be rebuilt without extensive money coming out-of-pocket. Consult with your agent at Allsurance Group in Spartanburg, SC to get a quote for home insurance or to have a home insurance review to make sure your coverage is adequate.
Insurance for your business is much more complicated than a personal or home insurance policy. The main idea behind insurance for your business is to protect you fully against any action that can harm your business if someone sued you for any reason.
Commercial Liability Insurance
Commercial liability insurance policies in Spartanburg, SC cover all the claims against your business from another party. This includes any accidents that occur on the business property in which a third parry is inured. In this case, the injured party may sue your business and your commercial liability insurance will cover it to protect your assets. Commercial liability policies may also cover damages to your products, your property and may even cover independent contractors on your premises.
Fidelity insurance protects you as a business owner from any dishonest employees. For example, a financial institution may allow some employees access to confidential information and employees may leak this information. Your fidelity insurance policy from Allsurance Group will cover the unauthorized actions of employees, protect your assets, protect your technology and protect you from external fraud. The fidelity bond is the portion of a policy that reimburses you as the owner of a business for any damages in these manners. For example, banks cover all their employees from the cashiers and bank tellers to the directors under this type of policy.
Business Interruption Insurance
The purpose of a business interruption policy is to cover losses or damages that occur when your business has to cease operations for some reason. You must prove what it is that caused the interruption for a certain amount of time. This policy compensates you for income that would have been received in the amount of time had the business been operational. This can be used in the event of a tornado or flooding or a hurricane, which all occur at times in Spartanburg, SC.
Sometimes you may need some help building your business insurance policy and at Allsurance Group, we are here to help you to protect your assets. Give us a call or come into the office to find out more about insurance for your business.