No matter where you live, no matter what the weather is like, homeowner insurance is essential for you and your family. Excessive rainfall and winds take over South Carolina, we are here to watch out for you and are mindful of your specific needs and worries. We have different policies and packages for flood and earthquake coverage as well. Although maintenance issues are the owner’s responsibility, we will offer financial protection for natural disasters, destruction to you home, or any other unexpected issues that come your way. You can’t control the climate, and you can’t control what your household animals do all of the time. For those moments that you couldn’t predict, don’t worry, we’ll cover you.
Dwelling Protection
Let’s face it; anything could happen. We understand the importance of safety to you and your home. There are threats happening every day that could affect the structure of your home. If there are a thunderstorm and a tree gos through your window, we’ve got you covered. If you accidentally back your car into your garage door, we’ve got you covered. If a windstorm takes off part of your roof, we’ve got you covered. Due to some possible threats to your home, dwelling coverage will take care of any structural damages done to your house.
Personal Property Protection
As dwelling coverage is necessary, it does not include personal property coverage. Your home is filled with assets that you cherish and love. If your property is lost or stolen, we can’t necessarily find it for you, but we can compensate you for your loss. You may own a family heirloom necklace that was lost during a hurricane, if this was the case, we would be able to cover you in the amount the jewelry was worth. If your entertainment center went missing or was damaged due to a flood, we could cover your loss. If there are damages to personal property from your home, personal property protection will take care of you.
Natural Disasters
Natural disasters may be something that you fear often, they may be something that you don’t fear enough. Either way, they occur often, especially in southern states of America. We never know when a hurricane, tornado, or a flood could come through our neighborhood. David Stanley and Associates understand that this tragedy could strike at anytime, in any neighborhood, to any family. Being there for you and taking care of your needs are so important to us, especially if a natural disaster strikes your home. Do not be unprepared, don’t feel like you have to go through this alone, let us cover you.
Bodily Injury Liability
In the event that someone gets injured on your property, we have coverage for that too. For the times that you don’t catch your kids running around on the slippery pavement by your pool, for the times a visitor takes an unfortunate spill down your staircase, for the times your friend slips down the ladder while helping you put up christmas lights, we can cover them too. Unfortunately, all kind of accidents do happen. If someone is on your property and gets hurt, you are liable for it. In the case where you need a lawyer or hospital bills paid, our bodily injury liability covers those costs.