The best rates on homeowners insurance come from details and wide options. We have access to a variety of A rated carriers and a high probability we have your best fit.
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Variety of carriers. We have carriers that can be quoted by computer in hours. Some details are submitted to underwriting teams and quotes are returned in several days. The wait is often worth significant savings. Rating can be based the property location only, or use credit / insurance score, depending on what works best for you. We try not to use social security numbers when using a carrier rating heavily based on credit. (Instead we use birthdays and addresses to identify a client in an insurance database.) I can compare all the options, present and explain the best.
Chris Eibest (843)540-0722 Chris@BestInsuranceHH.com
The majority of our business is in SC, FL, and NC. We have access to High Value Homeowners across the country.
Important details and differences when comparing quotes: Deductibles: (Scroll down for easier viewing)
Percentage vs flat deductible: Wind & Hail coverage will often have a deductible in percentage form. The percentage is a % of the insured value of the house, not a % of the claim. Few carriers will write a policy with a flat $1000 or $2500 wind&hail deductible in coastal areas. We can arrange flat deductibles on the mainland much easier than on barrier islands.
Wind and Hail vs Named Storm: Coastal areas often have separate policies or separate deductibles for wind & hail coverage. Wind&Hail deductibles apply to any storm or hail damage. Named Storm deductible uses the higher % deductible only in cases of tropical storm or hurricane (a "named storm"). Named Storm would cover hail damage unrelated to a tropical storm or hurricane at the lower "All Other Peril" deductible.
Replacement Cost: Replacement cost is the amount of money needed to rebuild based on current material and labor, not the market value. Underinsuring may lower the premium, but can cause a pro-rated claim later. If a home is insured for 75% of its replacement cost and damaged but rebuildable, 75% of a claim could be paid. (For example, a $100,000 claim could mean $25,000 out of pocket.) Whenever possible, we use full replacement cost with 25% increased replacement coverage endorsement. This covers unexpected rises in the cost of labor or materials, possibly due to a local disaster.
Financial strength of carriers: jump to ratings page
Carriers should be rated by a Nationally Recognized Statistical Rating Organization (NRSRO). (click above link for description.) Carriers rated by other rating companies or unrated may have much less financial strength. (While SC has a guarantee fund, it only guarantees $300,000 in combined dwelling and contents. Higher value homes should be insured by stronger carriers.) The Sarasota Times-Herald wrote a Pulitzer prize winning article https://www.pulitzer.org/winners/paige-st-john on this subject.
Chris Eibest Agent / Partner (843) 540-0722
Chris@BestInsuranceHH.com CEibestHLI@gmail.com
As an independent agent, I make my living on commission. Thank you for dealing with me personally.
Best Insurance HH is an independent agency. I comparative shop to get your business, and at renewal.
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