|
These are the people who make up the vibrant community of Beaufort, S.C. - People who care about their families and businesses and want to protect them from the unexpected. Kinghorn Insurance of Beaufort is proud to be part of our community. Our owners and employees are your neighbors and friends. Your expectations, concerns, hopes, and dreams are important to us. Long-term relationships with our customers are our primary focus. Let us earn your trust! Did You Know?You can save up to 15% or more on both your homeowners and personal auto insurance by insuring them with one company. Ask us about other ways to help you save money on your insurance.
Are You and Your Apartment Properly Covered?
The first time most people think about insurance is with their first car or home. But what if you’re renting your first apartment or home? Although renter's insurance is usually not required by law, it is critical in protecting your personal possessions. Not only does renter's insurance protect your personal items, but it can cover the cost of temporary housing should the unit be uninhabitable. It also protects you against liability lawsuits and claims. For example, if the ceiling in your rented property is damaged by wind, water, snow or hail, the ceiling is your landlord’s responsibility to repair. But your brand new computer or TV that sustained major water damage is not covered under his insurance policy. And, now you’ve got to temporarily move out while they fix the roof, and the new rental is twice as expensive! In both these instances, your renter’s policy would cover the cost of repair or replacement and the additional rent. Liability coverage is just as important. What if a friend comes to visit and you haven’t cleaned up the water that spilled on the kitchen floor. Your friend falls and needs medical attention. Renter's insurance will pay for the medical expenses and any litigation that may ensue. Here are three things to consider before purchasing your renter's insurance policy: 1. Dollar Amount of Coverage: This is a leading factor in the price and coverage. A dollar amount is not placed on each piece of property; instead a fixed amount for all of your possessions will be determined. 2. Deductible: How much you are willing to pay out of pocket before your insurance kicks in? 3. ACV(Actual Cash Value) or Replacement Cost: A basic policy will pay you ACV, which is the value of the property at the time of loss. But, if you opt for replacement cost you will get an actual replacement. For example, if your computer is ruined, you will be reimbursed the cost of a comparable new model.
|
Contact Kinghorn Insurance of Beaufort If you would like to contact us, please use the following numbers and addresses: Phone: (843) 521-4000 Mailing Address: P.O. Box 1088 Physical Address: 910 Carteret St. Email: info@insurancebeaufort.com
|
|||
