Insurance Talk That Doesn’t Make You Snooze
We break down the confusing world of insurance with real talk, real stories, and zero boring jargon.
Serving South Carolina, North Carolina, and Georgia
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Featured
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From Fender Bender to Courtroom: Why Minimum Coverage Isn’t Enough
The Day Everything Changed It was just another busy afternoon on the road. The sun was…
Latest Articles
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When the City’s Sewer Fails, Who Pays? The Hidden Risk in Your Basement
A city sewer backup can flood your home, but don’t assume insurance will cover it. Learn the hidden risks and how to protect your basement.
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The Unthinkable Moment That Reveals What Good Drivers Don’t Know
A Friday night intersection crash reveals how minimum auto insurance coverage left two families facing devastating financial consequences and years of legal hell.
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What the Heck Is an Umbrella Policy, and Do You Really Need One?
You have car insurance. Home insurance. You’re covered, right? But what if a serious accident or lawsuit goes beyond your policy limits? Without umbrella insurance, your savings, home, and the next 20 years of your…
Deductible
The amount you pay out of pocket before your insurance kicks in. Think of it as your skin in the game.
Premium
The money you pay to your insurance company for coverage. it’s like a subscription fee for financial protection.
Liability Coverage
Insurance that pays for damage you cause to others. Because accidents happen, and lawyers are expensive.
Actual Cash Value (ACV)
What your stuff is worth now, after depreciation. Spoiler: it’s less than you think.
Replacement Cost
What it costs to replace your stuff with new items. The better option if you don’t want to downgrade after a loss.
Umbrella Policy
Extra liability coverage that kicks in when your regularpolicies hit their limits. Like a safety net for your assets and income.
Helpful Resources
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Auto Coverage Estimator
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