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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They Thought Their Auto Limits Were Enough — Until Their Teen Hit a Tesla
One teen’s mistake led to a $190,000 insurance claim. Learn how low liability limits cost this family thousands, and what you can do to protect your own.
Latest Articles
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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.
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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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Your Car’s “Check Engine” Light Just Came On. Is It Covered?
That dreaded check engine light just appeared on your dashboard. Will your car insurance help with repairs? Learn what’s covered before you’re stuck with an unexpected bill.
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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Home Inventory Checklist
Life Insurance Calculator
Auto Coverage Estimator
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