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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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.
Latest Articles
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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…
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Life Insurance Under 30: Do You Actually Need It? (Spoiler: Maybe!)
Is life insurance really necessary if you’re young and healthy? The answer might shock you.
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“But I Thought I Was Covered” – 5 Home Insurance Surprises
If you’ve ever skimmed your home insurance policy (or let’s be honest, shoved it in a drawer), you’re not alone. Most of us just assume we’re covered for whatever life throws at us, until we find out the hard way that some disasters fall into the “you’re on your own” category.
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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Life Insurance Calculator
Auto Coverage Estimator
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