If you live in Spartanburg, SC, you know the area is prone to severe weather, including hurricanes, thunderstorms, and ice storms. Such weather events often cause power outages, which can be inconvenient. That’s why many homeowners in the area invest in generators to provide backup power. But what happens if your generator is damaged during a storm? Will your home insurance policy cover it? At Allsurance Group, we’ve compiled this informative guide to answer that question.

Home Insurance and Generators

First, let’s talk about what typical home insurance covers. A standard homeowners policy typically covers damage to your home and personal property caused by specific perils such as fire, theft, vandalism, and weather-related events. However, it’s crucial to note that not all policies are equal. So reviewing your policy to understand what is covered is vital.

Is My Generator Covered?

Most standard home insurance policies don’t cover damage to your generator. Insurance companies often classify generators as personal property that requires a separate endorsement or policy add-on to provide coverage. If you own a generator, we encourage you to review your home insurance policy to determine if your generator is covered.

What Type of Coverage Do You Need for Your Generator?

To protect your generator, you can purchase a separate policy or endorsement that covers specific events that can cause damage, such as windstorms, lightning, and even vehicle crashes. You can also opt for a more comprehensive policy covering all risks, including theft and accidental damage.

Investing in a generator can be an excellent way to protect your home and family from power outages, but reviewing your home insurance policy’s coverage is critical. Don’t wait until it’s too late. Contact Allsurance Group, serving Spartanburg, SC, to review your policy and ensure you have the right coverage to protect your generator and home.

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.

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. 

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.

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.

Most people only have one type of insurance – home insurance. But what if your home is located in a flood zone or an area that has flooded before? You may need to purchase flood insurance as well. Allsurance Group in Spartanburg, SC provides you a look at the difference between home and flood insurance and when you might need to buy both.

Home Insurance vs Flood Insurance

Home insurance typically covers damage from fire, wind, hail, vandalism, and theft. Flood insurance, on the other hand, covers damage from water that has inundated your home. This can happen due to heavy rains, melting snow, flash flooding, levee failure, or dam failure. However, you need to read the fine print on your flood insurance policy to see what exactly is covered, as some policies exclude certain types of damage, e.g., sewer backup damage not caused by flooding.

If you live in a Special Flood Hazard Area (SFHA) as designated by the Federal Emergency Management Agency (FEMA), your mortgage lender will require you to purchase flood insurance. However, even if you don’t live in a high-risk area, it may still be a good idea to have this additional coverage. For example, if your home has experienced flooding in the past or is located near a body of water that could overflow during heavy rains, you may want to consider purchasing flood insurance.

By buying home insurance and flood insurance, you can rest assured that your home and its contents are protected from various natural disasters and accidents. However, it’s important to remember that these two types of insurance have different coverage limits and exclusions, so make sure you understand what each policy covers before making a purchase.

If you’re not sure whether you need home insurance, flood insurance, or both, Allsurance Group in Spartanburg, SC can help. We’ll look at your specific situation and help you determine the best type of coverage for your needs. Give us a call today to get started.

 

One important decision that many people will make will come when they decide to purchase a home. If you are in the  Spartanburg SC area, owning a property can be a great long-term investment. As home purchase is such an important purchase and investment, it is very important that you protect it as well as you can. A great way that this can be done is by getting home insurance. There are various reasons why you should get a home insurance plan when buying a home.

Coverage Needed to Protect Assets

An important reason to always have home insurance is that you can protect your assets with the right plan. Those that do get a home insurance plan will have coverage that can protect their dwelling and personal assets. If you are a victim of a fire, bad weather damage, or damage, you will have the financial support needed to either replace or repair these important assets.

Protect Against Liability Risk

You also should consider getting a home insurance plan to offset any liability risk. As a property owner, you can be responsible if an accident occurs that results in damages. As this can be a big risk, finding ways to offset it is important. With a home insurance plan, you will get a liability insurance provision that will offer support to help offset this risk if you are found responsible for damages. 

If you intend to purchase a home in Spartanburg, SC, it continues to be very important that you get insurance for it. As this is a very important choice, you should always speak with the team at the Allsurance Group before making the purchase. The team with Allsurance Group can help you build a plan that will meet your needs and cover your home. 

Home insurance; while most people have an idea of what home insurance is and why they need it, they might not realize that their insurance isn’t currently covering them properly, or maybe they don’t even know they need one. We would always recommend you review your home insurance regularly. So let’s discuss home insurance. We listed some handy tips below.

If you want to revise your home insurance, or maybe you don’t have home insurance yet and you need one, Allsurance Group at Spartanburg, SC will help you with this. We can quote you from different providers and advise you on each of them so that you can be confident that you’re in good hands.

The Renter and Home Insurance

If you don’t own your home, you might not realize that you need insurance for your property. To some extent, this is true, because your landlord should have home insurance for things such as damage from natural disasters. But did you know you could potentially still be liable if you or your guest damages the property? You might also want to go look at a type of home insurance that insures your valuables, as this is most likely not included on your landlord’s insurance.

The Homeowner and Home Insurance

Homeowners can’t get around home insurance. You could be out of many costs if you don’t properly insure your home. Even if you have home insurance now, you might want to get your current home insurance renewed to ensure you’re insured for all probabilities and you’re never out in the cold.

You can request your quotes by calling Allsurance Group Spartanburg, SC or request a quote on the website. 

Spartanburg, SC residents know the importance of thinking ahead. You never know what tomorrow will bring, so it’s always good to be prepared. Whether it’s a flood, storm, or other Acts of Nature, the only thing you can depend on is change. 

The Solution to Avoid Worry

Instead of worrying about what the future brings,  you can do something about it by making sure you have protection for whatever tomorrow might bring your way. Visit with us to learn how you can protect your home with quality home insurance so you can sleep better at night, no matter what happens. 

The people of Spartanburg have an ally in Allsurance Group, your friendly insurance company covering the Spartanburg SC area. Not only do they offer solid home insurance, but they also have a wide variety of other types of insurance.

Home insurance is the first thing you should focus on insuring (after your life insurance). You should work with your local insurance experts at Allsurance Group to decide which plan is the best for you. 

In the meantime, consider these tips in finding a home insurance plan:

• Choose a policy that allows you to add on coverage as you see the need.
• Add a flood insurance rider or a separate flood insurance plan to make sure you are covered for unforeseen flooding, even if you are not in a flood are.
• Focus on the costs involved in a total loss. That’s the amount of home insurance you need.
• Ask questions before signing your policy so that you know what the fine print means.

At Allsurance Group, we put our customers first and we are always happy to answer any questions you ask. We have your best interests at heart and we’ll prove it. 

Owning a property is a great way to build long-term wealth. This continues to be true for people that live in the Spartanburg, SC area. If you are going to purchase a home in this area of South Carolina, you will want to ensure that you get proper insurance for it. There are a couple of different reasons that you should get a proper insurance policy for your home in this area of the state.

Insurance Will Protect Your Asset

A key reason that anyone here needs to have home insurance is that it will protect your asset. Buying a home is a very major investment that you should aim to protect as well as you can. If you invest in a new home insurance policy, it will give you coverage for your property. This can include providing protection if your home is seriously damaged or even completely destroyed.

Insurance is Required

Additionally, you should get home insurance because it is required for a lot of people. When you purchase a home, it is also very common for someone to take out a mortgage. If this is the case for you, it would be wise to review your insurance requirements. In many cases, you will need to have a full policy. 

Those that are in the Spartanburg, SC area will need to make sure that they get proper insurance for it. As you are looking for a new insurance policy in this area, you should call the team at Allsurance Group. When you are looking for a new insurance policy, Allsurance Group can offer a range of services that will help you better assess your needs. This will help to ensure you get into a property policy that will protect you and your home.