Buying Homeowner’s Insurance
At Cliff Heath Insurance we pride ourselves in offering personal insurance Charleston, SC residents can count on. We offer complete personal insurance services without the gimmicks. It is our goal to provide the insurance Charleston and Mt. Pleasant residents can truly rely on. With all the options you have these days buying the right kind of homeowner’s insurance can be confusing.
Some advertisements want us to believe that purchasing Charleston homeowner’s insurance should only take 7 minutes! Making purchases too quickly can cause mistakes. Taking time to consider your options can save you money and future headaches. We found at least five mistakes people sometimes make when purchasing Charleston homeowners insurance.
- Not having the right value for your personal property
Most people under value their personal belongings. We recommend you complete a home inventory to make sure you have the correct value on all your property. Remember, the insurance covers what it costs to replace the item not what you paid for it. Don’t use real estate or market values. You need replacement cost!
- Improper value on jewelry and other high value items
Most homeowner’s insurance policies have limitations on jewelry, guns and other collectibles. Make sure you identify these if they are over $1,500, (this varies so call us for a review).
- Not fully understanding your policy exclusions
Every homeowner’s policy has exclusions. Flood and earthquake are not included in a standard homeowner’s policy. Wear and tear is also excluded.
- Not using an independent agent
Buying insurance online or from a national firm is like going to only one car lot and buying the first car you see at the list price. As an independent agent we will search the market and review quotes from many insurance companies. That is the value of having an agent that is local and actually lives in South Carolina. A local agency is often more service-oriented. At Cliff Heath Insurance, we take the time to find the best possible policy at the rate that is affordable for you and your family.
- Not obtaining additional coverage
Charleston In, every homeowner should consider flood insurance. Charleston homeowners need to check to see what natural catastrophes are common in their location and make sure they are adequately covered.
As insurance professionals we will guide you through the purchasing process and keep you informed of how these issues will impact your personal insurance program. We care about our clients, and we can help you find the best Charleston homeowners’ insurance policy for your situation. We all live and work in the Charleston area and serve clients throughout South Carolina.