As a condo owner, you’ll get a personal condo insurance policy for your protection and anything you own as personal property. We have a list below if you aren’t sure what’s considered personal property.

1. Art

Any large paintings, sculptures, or other pieces of artwork that cost you a substantial amount of money and are valuable are considered personal property. Those who collect art must protect their collection, as these pieces could be targeted in a home invasion.

2. Furniture

Even if the furniture you have isn’t much, it is still yours and should be replaced in the event of a theft or natural disaster. Furniture includes your bedroom suite, living room set, kitchen table, and other pieces around your condo.

3. Decorations

Some of us enjoy spending our time and money on holiday decorations. If you have invested a lot of money in your decorations, they are considered personal property that can be replaced in a disaster. This includes everything from the tree and ornaments to the wreaths and door decorations. List your most expensive decorations and tell your agent what you’ve invested in this property.

4. Clothing

Your clothing is also considered your personal property and should be treated as such. Some items are more expensive than others, so if you have expensive suits, party dresses, or wedding attire that is very valuable to you, you can have it replaced in the event of a tragedy. You can get your entire wardrobe replaced when you speak to your agent about how much you think it’s worth and work that into your policy.

If you want to purchase a condo in South Carolina, let us help you get the necessary coverage. Our team at C & H Insurance Associates LLC stands by to help you build a suitable policy for your needs.

Driving safely is more than a necessity; it’s an investment in your well-being. At C & H Insurance Associates LLC, which provides auto insurance throughout the great state of South Carolina, we believe that defensive driving courses offer valuable benefits that can enhance your driving experience and safety.

Improve Your Driving Skills

Defensive driving courses equip you with advanced techniques to handle unexpected situations on the road. These courses focus on improving your reaction times, understanding road signs, and anticipating the actions of other drivers. By refining these skills, you become a more confident and capable driver.

Save on Insurance Premiums

One of the most appealing advantages is the potential reduction in insurance premiums. Many insurance providers offer discounts to drivers who complete a defensive driving course. This not only helps you save money but also reflects your commitment to safe driving practices.

Increase Safety Awareness

A defensive driving course heightens your awareness of potential hazards and teaches you how to avoid them effectively. You’ll learn about the latest safety technologies and how to use them, ensuring you’re always prepared for whatever comes your way on the road.

Reduce the Risk of Accidents

By mastering defensive driving strategies, you significantly decrease the likelihood of being involved in an accident. This proactive approach keeps you and your passengers safe while also protecting your vehicle from damage.

Get Help With All Of Your Auto Insurance Needs

Enrolling in a defensive driving course is a smart move for any driver. It enhances your skills, offers financial benefits, and most importantly, keeps you safe. For more information on how this can impact your auto insurance, contact C & H Insurance Associates LLC in South Carolina. We’re here to support your journey towards safer driving.

Home insurance is a crucial financial safety net that could protect you from potentially huge financial losses if a covered event damages your home. If disaster strikes, it could help pay for repairs to or replacement of your home and belongings. However, having the right amount of coverage is critical. Without it, the burden of repair costs could soon outstrip your savings.

At C & H Insurance Associates LLC, servicing South Carolina, we strive to help homeowners ensure they have ample home insurance to undertake necessary repairs or replacements following covered events.

Determining the Adequate Amount of Home Insurance Coverage

Several factors must be considered to ensure you have enough home insurance coverage. Think about:

• The build and size of your home.
• Any special features that might incur additional costs during the rebuild process.
• In case construction material and labor costs rise, adequate coverage should be provided.

Assessing the Adequacy of Home Insurance

Many insurance professionals have methodologies for determining whether your home insurance coverage is sufficient to cover repairs or replacements if a total loss occurs. A conversation with your insurance agent at C & H Insurance Associates LLC, servicing South Carolina, can provide valuable insights.

When How Often Should You Update Your Home Insurance?

As a rule of thumb, review your home insurance policy annually and update it as required. Our professionals at C & H Insurance Associates LLC are more than ready to assist you. Call today to review your policy and gain an in-depth understanding of your coverage.

Traveling in an RV from one park to another might be your perfect way to take a vacation or even spend your retirement. However, it would be best if you remembered that there are specific rules you must adhere to in an RV park. Remember to respect these rules and your fellow travelers so that everyone can have an enjoyable time. The primary purpose of these rules is to create a pleasant environment for all RV users. Showing respect to others ensures that everyone has a good time.

Unwritten Courtesies

Walking through someone else’s campsite is considered extremely rude, so be sure to avoid doing just that. The sewer hose should never be placed near areas where food and drinking water are present. Avoid bothering people while they are trying to park. Ensure that your fire pit is not used as a trash can. Most RV parks have specified quiet hours, which should be respected. Occupying an empty space without confirmation of its availability can lead to misunderstandings, so don’t park there unless you are confirmed it’s unoccupied. When you arrive, switch off the headlights to avoid disturbing others with the glare. If you’re leaving early, try to cause minimal disturbance for others. Essentially, the general rule is not to create inconvenience for others.

Contact C & H Insurance Associates LLC in South Carolina

If you’re in South Carolina and need RV insurance, please get in touch with C & H Insurance Associates LLC. Our courteous and knowledgeable agents will go the extra mile to help you find the policy that best suits your unique needs.

The unfortunate news is that your boat has sunk or received some damage, making it unfit for navigation. In another scenario, your boat may have been burglarized. The silver lining, however, is that you insured your boat. Your task at hand is to claim your boat insurance, which can then be used to repair or replace your boat. This certainly requires a bit of effort, but rest assured, it will be a smooth journey once you’ve taken care of the necessities.

Navigating The Process

The process starts with you reporting the incident to your insurance company at the earliest. It’s your responsibility to report and file a claim promptly. Depending on the circumstances, you might also have to fill out a government report. Certain claims necessitate such documentation. Make sure to detail all damages incurred. It’s advised to delay any repairs. When the time comes for repairs, always use a professional. Your insurance adjuster can possibly suggest someone for this. A comprehensive boat insurance policy is crucial to protect against substantial financial liabilities due to unexpected damage or theft.

C & H Insurance Associates LLC – Serving South Carolina with Pride

Whether you enjoy sailing the sea from Georgetown or prefer trawling in Lake Hartwell from Clemson, South Carolina has a fair share of boat enthusiasts. If you’re one of them and need boat insurance, we are more than happy to assist. Get in touch with C & H Insurance Associates LLC – we’ll link you with a courteous, knowledgeable, and helpful agent who will guide you to the policy best suited for you.

A flood can be a devastating disaster for anyone’s home, whether it’s due to faulty plumbing, bad weather, or a burst dam. Home insurance can help you recoup most of your losses, but there are a few things you need to keep in mind to minimize losses. This includes the loss of irreplaceable items (including yourself!). 

What to Do Immediately 

If possible, stop the water at its source. Seal off the place where the water is entering or shut off the water. If you can safely switch off the electricity without stepping in water, do so. Evacuate the premises. If anyone needs medical attention, or if you are stranded with rising water around you, call 911. Once you ensure safety, contact your insurer. If you’re a tenant, notify your landlord. Document everything and clean as you go to prevent mold growth. However, before you start the cleanup and repair process, ask if you need to wait for an adjuster to inspect your home. Ideally, the adjuster should arrive before the mold has time to grow. 

C & H Insurance Associates LLC: Serving South Carolina 

In disaster situations such as a flood, it’s crucial first to ensure your and your family’s safety. Once that is certain, you can start the process of recouping your losses through your home insurance. If you need home insurance and reside in South Carolina, you can reach out to C & H Insurance Associates LLC. Our courteous and knowledgeable agents will do everything they can to help you find the policy that best suits your needs. 

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.