Home Insurance in South Carolina

Home insurance, also called homeowner’s insurance, is one of the essential components of owning a home within South Carolina, with numerous mortgage lenders listing it as a requirement for homeowners. If you are starting your home ownership journey, B&A Insurance & Multiservices LLC in Summerville, SC can help. The following guide breaks down the types of home policies to consider getting.

Liability Coverage

Liability coverage protects you against claims related to bodily injury hazards and property damage. If you regularly entertain guests and they get injured at your home, this coverage will help you offset their hospital bills. If your visitors’ property also gets damaged, this policy will reimburse you for the damage costs.

In addition, it will come in handy when you are sued for injuries and damage costs. It will help pay your legal fees while helping you cover the damages arising in court settlements.

Building Property Coverage

Building property coverage protects the interior and exterior of your house from damage arising from covered disasters. This includes risks such as vandalism, hail, fire, and theft. It will provide compensation for repairing your home, allowing you to rebuild areas damaged by the stated perils. Detached garages will also be covered, allowing you to reduce your costs.

Content Coverage

Content coverage will take care of personal belongings in your house, helping you repair items such as electronics, furniture, and clothing. This policy comes with exclusions, with items such as fine art and expensive possessions such as designer clothes and jewelry not covered. This policy will cover disasters, including theft, vandalism, and lighting hazards.

Living Expenses Coverage

Living expenses coverage will be your go-to when your home is deemed uninhabitable due to damage arising from covered hazards. It will compensate you for costs such as accommodation expenses and meal fees.

Whether you need to keep your assets protected or need a safeguard against liability claims, B&A Insurance & Multiservices LLC in Summerville, SC is the partner you need for homeowners’ coverage. Contact our South Carolina agents today for customized underwriting services for year-long protection.