You’ve heard the saying. “Your home is your castle”. It’s where you spend most of your life, and likely your most valuable asset. When your home is damaged or destroyed by a fallen tree, you need your claim settled by an insurance company that understands this simple fact. HFC Insurance in Lancaster, SC will help residents find the home insurance coverage that’s right for them.
Depending on where you live – a house, apartment, or condominium – the right home insurance agent and homeowners insurance policy will provide you peace of mind in the event a devastating event. Whether it is a major weather event or man-made, do you have the right coverage to rebuild your home? Let our elite service team uncover any gaps in your coverage.
Our home insurance quote process can help you compare multiple carriers for all the best home insurance rates. We are not a captive insurance company. We have access to many A rated national carriers.
We are the unbiased home insurance experts, with over 25 years of experience, offering local free 5-star service by people you know. Serving our clients is important. Stop by and see what makes us different.
Our caring agents provide free lifetime claims service for your homeowners insurance policy. Your service is handled locally, not a call center across the country or around the world. There’s a lot to be said about a handshake and a smile.
Robert Pellegrino
Whether you own or rent, insuring the place you call home will help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. The right home insurance policy will also cover you in the event someone is injured while on your property.
Home Insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you. It can be a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property. It can also be a policy that covers only a specified loss. Homeowner insurance options are priced individually. Whether your property is inland or by the coast, your premiums are determined by the types of coverages needed for your specific area. Read our post on Top 10 Mistakes to Avoid When Purchasing Home Insurance.
On a home insurance policy, a higher deductible usually lowers your premium by shifting part of the loss payment to you. For example, if you had a $1000 deductible, you would be responsible for paying the first $1000 of the covered loss.
The amount you pay for your home insurance in Lancaster, SC depends on many factors. Let’s look at some of those:
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged by some negligence on your part. When choosing your liability coverage limits, consider your net worth. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical Coverage
This is not to be confused with your health insurance policy. This covers medical expenses for guests if they are injured on your property.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed because of a covered loss.
Scheduled Personal Property Coverage
This is additional coverage a lot of people neglect. If you have special possessions such as jewelry, art, antiques, or collectibles you may want to have additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video. Keep this list somewhere other than your home. Back it up online or store it somewhere away from your home. Are you worried you are not completely covered? For additional protection beyond your home insurance policy, consider an umbrella insurance policy.
Whether you are a home or condo owner, a renter, or a landlord, we work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Every home is unique. Carriers like Progressive and Travelers differ in what types of home insurance coverage they provide or homes they will insure. Talk to us today to find out how to get the best price and coverage for your insurance needs. Read our article on Seven Ways to Reduce Your Home Insurance Premiums in Lancaster, SC. Visit our YouTube Channel on everything insurance. You can click here to get access to our Home Insurance Resources page on topics to protect your home.
HFC Insurance
304 N Main St, Lancaster SC 29720
803-286-1161
