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Friday, December 15, 2017         

Our Spring/Summer Hours are in effect. We Are Open Monday-Thursday 9 A.M. to 5 P.M. & Friday 9 A.M. to 2 P.M.

Punxsutawney Phil and New Spring/Summer Hours

Punxsutawney Phil saw his shadow on Thursday morning, predicting six more weeks of winter during Groundhog Day festivities at Gobbler's Knob, a small hill just outside Phil's hometown. Members of the Punxsutawney Groundhog Club's Inner Circle revealed Phil's forecast by poem, as is tradition on Feb 2, 2017. However, It's official- the votes are in, we're going to buck tradition and ignore the groundhog.We aren't waiting until March 20th for Spring! Our Spring/Summer hours will go into effect the week of February 6th. Our Spring/Summer hours only affect Friday afternoons. Monday through Thursday is business as usual 9 a.m. through 5 p.m, but we will close early at 2 p.m. on Fridays to enjoy the (hopefully) beautiful weather!

National Car Insurance Day!

Did you know there is actually a National Car Insurance Day? It is February 1st of each year. Check out this list of ten things you need to now from Military.com's Ethan Ewing.

  1. Plan when you buy. Think about insurance before you choose your next vehicle. You will save right out of the gate if you opt for a car without a lot of bells and whistles. Also consider which cars are stolen most frequently. Check a recent list -- the insurers do, and they charge more to cover those models.

  2. Tune up your credit score. Pay bills on time and pay overdue debts. In addition to driving record, use of vehicle, area of residence and other factors, insurers do take credit scores into account when determining rates.

  3. Compare rates. Many servicemembers swear by military-oriented financial companies for the best rates. Definitely check them out, but also do your homework by checking rates for your vehicle with other companies to be sure you get the best benefit for the best price.

  4. Know special military rules. Members of the military often have special rules when it comes to car insurance. Many states allow servicemembers to continue registration and insurance coverage from their home states, no matter where they are stationed. But if a servicemember or spouse is employed in the new state, the vehicle might have to be registered and insured there. Check state rules to be sure.

  5. Check into deployment options. If you're going to be deployed, ask your insurance agent how you should handle your auto insurance coverage. Many insurers will now waive penalties if you choose to drop coverage while you serve your country. Others will encourage that you retain a low level of coverage on a stored or inactive vehicle.

  6. Know insurance terms. Before you can complete the mission of choosing the right insurance, you have to speak the language. Key terminology includes: Liability coverage: Covers damage to property or human injury if you are at fault. It also pays court costs. Collision coverage: Insures your own vehicle against damage from an accident. Usually not cost-effective on older, less expensive cars. Comprehensive coverage: Covers damage to your vehicle from something other than an accident. Again, owners of older, less expensive cars usually drop this coverage. Medical coverage: Pays medical expenses from an accident. Compare with what is available under your health insurance policy. If you do not have health insurance, definitely opt for appropriate medical insurance on your auto policy. Uninsured/underinsured motorist: Pays for damage to your car if you are in an accident caused by someone who does not have insurance (or who does not have enough insurance).

  7. Consider gap coverage for new cars: Gap insurance covers the "gap" between the value of your car and the amount you owe on a car loan. It can give you peace of mind when your vehicle has depreciated in value, but you have not paid the loan down yet. In this situation, if you totaled your car, an insurance reimbursement might be less than you owe the bank. Remove this coverage when the loan falls below the vehicle?s value.

  8. Think carefully about other coverage: You can add policy coverage for rental car or roadside assistance (tow or help for flat tires or other problems). Do not duplicate benefits, such as roadside assistance covered by an auto club membership.

  9. Choose the right deductible: The deductible is the cost you must pay for repairs before your insurer pays its portion. Choose the highest deductible you could afford in the event of an accident. The higher the deductible, the lower the premium. Then put whatever money saved by opting for a higher deductible cost in an interest-earning account. By choosing a deductible of $500 instead of $200 on collision coverage, a car owner can save up to 30 percent on premiums.

  10. Discounts: Ask about discounts. You might be eligible for discounts because of your age (such as over 50), driver training, car features (air bags, alarm, antilock brakes), or having more than one policy with the insurer.

  11. and finally the honorary number 11

  12. Just ask us- we'll help you find the insurance and coverage that's right for your vehicle and your needs.

Super Bowl Parties and Homeowners Insurance

Hosting a Super Bowl bash can feel like trying to dodge a blitz. With lots of guests, alcohol and charged emotions, disaster can strike from any direction. Whether you're supporting the #Patriots fan or you support the #Falcons, here are some tips from NerdWallet on how homeowners insurance defends your turf during #SuperBowlSunday.

Intercepted belongings

Even small parties could include a few friends of a friend whom you don’t know. If you discover come super-cleanup Monday that your prized autographed football is gone, home insurance can help. Personal property coverage pays to replace stolen items, up to your policy’s limit.

Extra point:

“Take a personal contents inventory,” says State Farm agent Greg Sherlock. Even going room to room and photographing belongings with your phone will help you provide claim details if something’s stolen, he says.

The action heats up … at the same time as the grill

Super Bowl Sunday is a big cooking day — and not only in the kitchen. More than 1 in 4 grill owners brave the weather to fire up grub for the game, according to the Hearth, Patio & Barbecue Association. Unfortunately, Sherlock says, the festive atmosphere makes cooking fires one of the more common party accidents. If your house is damaged by fire or even destroyed, you can file a claim through your home insurance’s dwelling coverage for repairs or reconstruction.

Extra point:

Ask your insurer to help determine your home’s current rebuilding cost, Sherlock says. If it exceeds the dwelling insurance, increase limits on that coverage.

Guests on the injured list

It’s your job to keep your property and party safe, Sherlock says. You could be financially responsible if that big-screen TV topples onto someone’s foot or your appetizers trigger food poisoning. A standard home insurance policy includes medical payments coverage for injuries to visitors. It also includes liability coverage, which kicks in if you’re sued for injuries, Sherlock says.

Extra point:

It’s wise to check your medical payments insurance limit. A standard home policy provides about $1,000 in medical coverage per person, which might not be enough to pay for treatment of a guest’s injury.

Ineligible partygoer behind the wheel

Alcohol plays a part in many fans’ festivities. In 2016, BACtrack examined over 5,000 tests by users of its smartphone-enabled Breathalyzer. The average blood-alcohol content measured during that Super Bowl was 50% higher than on other nonholiday Sundays. If your guests leave sloshed, you could be on the hook for what happens on the road, depending on the laws in your state. Liability insurance with your homeowners policy might help pay for damage or injuries in these cases. But it’s not a sure thing, Sherlock says, since coverage depends on the incident and your policy. If your home insurance policy includes liquor liability coverage, limits are often capped at $100,000 to $300,000, according to the Insurance Information Institute.

Extra point:

Taking steps to prevent drunken driving is the surest way to avoid a lawsuit, so invite designated drivers. In some states, hosts could face criminal charges, not just civil penalties, if a drunken guest causes injuries or damage while driving.
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Whether you need business insurance or home insurance, we will customize a plan to suit your needs. Discover what the Lowcountry Insurance advantage can do for you by calling (843) 522-2020, or getting a quote online.

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Beaufort, SC 29907.

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Lowcountry Insurance Services

P.O. BOX 789
Beaufort, SC 29901.

Tel : 1 (800) - 883-7209

Tel : (843) - 522-2020
Mail : frontdesk@lowcountryinsurance.com
Fax: (843) 525-6660