Charleston Car Insurance
In South Carolina, you are required to purchase auto liability insurance, which covers the damages to third parties resulting from an accident that you cause. However, considering the price tag of vehicles and hospital bills, the state requirements may not be enough to cover all of the damages. Remember, liability coverage will not cover your own wounds or property damage; it only assists your responsibility to others on the road.
Presently, the minimum limits for SC are "25/50/25".
- The first number is the bodily injury liability maximum coverage for one individual who's injured in an auto accident.
- The second number is the maximum amount of bodily injury liability coverage per accident.
- The third number represents the maximum amount of property damage liability, and it's per vehicle.
Contact an agent for more details about South Carolina’s liability requirements and how to get more broad coverage by adding collision, comprehensive, medical payments, uninsured motorist etc. to your auto insurance policy.
Charleston Homeowners Insurance
Although homeowners insurance is not required by law, most mortgage lenders require you to buy it before consenting to your loan. Home insurance is intended to cover the costs of repair or replacement if your property or possessions are lost, damaged or destroyed in the event of a covered incident. These often include fire, windstorms, severe weather, theft and vandalism. Flood and earthquake insurance must be purchased separately.
Charleston Commercial Insurance
Owning a business is a massive investment and one big loss can be financially detrimental. Luckily, there are a host of business insurance policies available to protect your livelihood from the unforeseen. Call an agent for more details about state regulations in relation to workers compensation and disability insurance, along with a host of optional coverages designed to support your business’ custom needs.
About Harrell Insurance Agency
Harrell Insurance Agency is an independent insurance agency serving Charleston and the surrounding areas. Our goal is to find you the right policies, worry-free. Call an agent at 843.766.5533 or get an online Charleston auto insurance quote.