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
Find What You Need
Featured
-
The Hidden Water Risk Lurking in Your Kitchen: Are You Covered for This Common Disaster?
A couple returned from vacation to find their home wrecked by an ice maker leak. Learn how to protect your home from common water damage disasters.
Latest Articles
-
5 Simple Home Tasks That Prevent Catastrophic Insurance Claims
The sound was soft, almost soothing. A slow drip beneath the upstairs bathroom sink had been going on for weeks, barely noticeable amid the rush of daily life. But one evening, while the family watched a movie downstairs, a loud crack echoed through the living room. The ceiling buckled, then gave way. Water poured through, soaking furniture, carpet, and memories.
What started as a small, easily fixable issue turned into a major insurance claim and a stressful discovery that not everything would be covered.
-
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.
-
They Declined Umbrella Coverage — And Regretted It Too Late, Are You Leaving Yourself Exposed?
A family declined umbrella insurance coverage and faced financial ruin after a cycling accident. Learn why umbrella coverage protects your assets and future income.
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
South Carolina Insurance
North Carolina Insurance
Georgia Insurance
Home Inventory Checklist
Life Insurance Calculator
Auto Coverage Estimator
Your new AI assistant for insurance questions is almost here.
Whether you’re confused about liability limits, curious about umbrella protection, or want help explaining your coverages, RiskBot has your back — 24/7.
We’re building a dedicated space just for agents, too.
A private space just for agents with extra tools, FAQs, and access to bonus resources. Whether you’re quoting, explaining coverage, or educating clients, RiskBot will have your back.
Built on Real Information.
No Sales Pitch.
Just Real Talk 24/7.
Here’s How
RiskBot Can
Help You:
