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Spartanburg, SC 29303

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Author: agentinsure

Comprehensive vs Collision Coverage

Posted on by agentinsure

Allsurance Group serves residents who live in or near Spartanburg, SC. When it comes to auto insurance, they can provide you with the insurance you need so that you have the level of protection you want while still complying with South Carolina’s mandatory insurance requirements. In most cases, the type of insurance you have will be determined by the type of vehicle you drive and whether or not you own or are paying for a loan.

Comprehensive Coverage

Comprehensive coverage is designed to cover the car in almost every type of situation. This is the type of policy banks and lending institutions require while they hold the lien or title to the vehicle. This ensures that they will be reimbursed for the value of the car if it is totaled out before you have a chance to pay it off. Comprehensive coverage also covers the cost of items that are stolen if your car is broken into.

Collision Insurance Coverage

Collision insurance is the type of insurance normally purchased by a car owner once the loan has been paid off. This type of coverage will cover the cost of repairs if your vehicle is damaged in an accident. This type of policy will not, however, cover the cost of items that are lost due to theft.

In Spartanburg, SC, residents who want to make sure their vehicle is fully protected need to pay a visit to the agents at Allsurance Group. Each agent is highly trained and understands the benefits of each type of policy. If you have questions or would like to know more about how each type of policy works, call and schedule an appointment today!

3 Ways To Find Out If You Have The Right Home Insurance Policy

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Have you taken the time to check on your Spartanburg, SC home insurance policy lately? If not, you are missing out on a plethora of benefits that are currently available to you. Those who do not take the time to do so could be missing out on advantages that they never realized were available.

Let’s take a closer look at the three best ways for a Spartanburg, SC homeowner to examine their policy:

1. Professional Appraisals

There is no substitute for the professional appraisal when it comes time to double-check a home insurance policy. A building contractor and/or a professional estimator can come to the home and let its owner know more about their insurance policy. If there are any changes that need to be made, the appraiser or estimator is able to provide the necessary insights in as timely of a manner as possible.

2. Software Programs

Did you know that there are software programs that are designed to make this process even easier than you could have ever imagined? By taking the time and effort to put all of the home’s information into a software program that is designed to analyze all insurance-related needs, you can avoid the usual difficulties that are associated with an annual review. E2 Value Pronto is one of the top programs in this regard.

3. Work With an Experienced Agent

Last but not least, the homeowner can take the time to sit down and work with an established Allsurance Group agent who is able to ask the right questions about the property. They will take the necessary notes and keep them safe. If there are any reasonable recommendations that can be made to assist the homeowner, they are offered by the agent. 

When it comes time to look over your home insurance policy to make sure that the right one has been obtained, Allsurance Group is here to help. Visit our site today to find out more! 

Are Surveillance Cameras Enough to Protect My Business From A Break-In?

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Surveillance cameras are an integral part of any security system. In some cases, just the sight of a camera on your property can deter a burglar from trying to break in. At the Allsurance Group, agents are often asked about the use of security systems and surveillance cameras by small business owners in Spartanburg, SC who are curious about their benefits.

Eyes On The Property

Surveillance cameras can be monitored by the business owner or a professional monitoring company. With eyes on the property 24 hours a day, it’s easy to see if something is a miss or someone is trying to break into the business. Most cameras now include apps that allow you to view your property from any location.

Include an Alarm

There are times when your cameras will be unsupervised, especially if you choose to monitor them yourself. In situations like this, use a surveillance camera that comes equipped with an alarm. If any motion is detected, the alarm will sound and you will be notified of the disturbance.

Professional Monitoring

If you don’t want to monitor your system yourself, there are third-party monitoring services that will do the job for you for a monthly fee. Do your research. There are several companies that will work on a month to month basis with no contract obligations.

In Spartanburg, SC, the agents at Allsurance Group can help you determine if installing security cameras at your business will be beneficial. Their agents have many years of experience and understand the benefits of being proactive in terms of protecting your business. They have the answers you need. Call them today and set up a consultation.

Reasons to Update Your Spartanburg, SC Auto Insurance

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It’s important to review your Spartanburg, SC automobile insurance policy every six months to ensure you are getting the right coverage for your needs. But did you know there are other times to review and potentially update your insurance information with your agent with the Allsurance Group? The following is a look at some of the other major life changes that often require an adjustment to an existing or upcoming automobile insurance policy:

Common Life Changes That Require Insurance Adjustments on Your Spartanburg SC Auto INsurance

  • Marriage and divorce. When you get married or move in with your significant other, it often means that you’ll be sharing your car or theirs. Make sure to contact your insurer to have the significant other added to the authorized driver list. Likewise, if you get separated or have a divorce, then have them taken off to save money.
  • Moving or otherwise changing where your vehicle is parked. Did you know that your insurance costs can differ depending upon where your vehicle is parked? In general, automobiles parked in secured garages will have a lower rate than those parked out on the street. As such, it’s important to alert your insurance agent whenever you move or change where you park your vehicle when not in use.
  • Switching up your job or vehicle usage. If you change jobs and thereby change your commute, then you may want to talk with your Allsurance Group about the changes in daily mileage as it could change your rates. For example, if you start working from home then you may be able to change your policy to a low mileage one which would reduce your rates. On the other hand, if you start using your vehicle for carpooling or car sharing, then you may want to consider adding additional coverage to protect you in the event of an accident.

Learn More By Contacting Allsurance Group

Contact our team at Allsurance Group, serving Spartanburg, SC and beyond, for more information. 

Tips on How to Protect a Home from Storm Damage

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Climate change is bringing more incidents of severe weather. Rain and thunderstorms are becoming more frequent and causing more damage in many parts of the country. South Carolina is not immune to these problems. Be sure to conduct a home insurance review with your agent at Allsurance Group, serving Spartanburg, SC, and the nearby communities, to make sure your home insurance is adequate.

How to Prepare for Storms

Here are some tips of things to do to protect a home from storm damage:

  1. Roof Maintenance: Keeping a roof in good condition is something that should be done with regular maintenance. Any small leaks can be a source of major damage in a big storm. For shingle and tile roofs, replace any broken tiles or damaged shingles.
  2. Clean Gutters: Keeping gutters free of debris lets rainwater runs off the roof properly and not collect in a pool on the roof that can cause a leak.
  3. Repair Downspouts: It is important to make sure any water that comes down from the roof goes properly through the downspouts to flow away from the home. Water that collects at the base of the home’s exterior walls, and then seeps down, can damage the foundation by causing cracks to form during freezing temperatures.
  4. Sump Pump: For homes with a basement and others with rooms subject to water seepage, be sure you have a sump pump and that it is in working condition.
  5. Seals Windows and Doors: Be sure the doors and windows have proper weather-stripping and do not leak.
  6. Siding Maintenance: Keep siding in good conditions through regular maintenance and repair any cracks or loose siding.
  7. Landscaping: Regularly trim trees. Large trees near home are especially dangerous. Considering cutting them way back or removing them altogether.
  8. Fencing: Check fence posts to make sure there are no loose ones. Strong winds can uproot them and turn them into projectiles.
  9. Emergency Generator: Have a working generator for emergency power and fresh fuel supply that is safely stored and ready for use.
  10. Storm Windows: If a storm is coming, put up storm windows or cover glass windows with strong plywood.

To get a quote for home insurance call 864-641-6371 to speak with your agent at Allsurance Group in Spartanburg, SC or use the online request form.

Commercial Insurance for CPAs, Realtors and Lawyers

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Do you own a professional services business? This includes engineers, printers, accountants, CPA, architects and software developers. What happens if you make a mistake that results in a financial loss for your clients? Besides feeling bad about the situation, you may be liable for damages. Since there’s no bodily injury and no property damage took place, it’s not covered by general liability insurance. Property insurance won’t help you in this scenario either. As part of your commercial insurance coverage in Spartanburg, SC, you may wish to consider professional liability, also called errors and omissions insurance.

What Is Errors and Omissions Insurance?

Your Insurance Group representative can help you understand how professional liability insurance can protect you from errors and omissions. This brand of liability insurance prevents you from paying the full cost of a negligence claim, which can result in court costs and damage awards if a civil lawsuit ensues.

Errors and omissions insurance covers alleged failure to perform when a financial loss results from mistakes in your service product. Some legal actions aren’t covered by E&O, so it’s best to consult with your insurance agent on how to protect your business and to understand what’s covered by any insurance you purchase. Professional liability insurance sometimes takes on other names in varying professions and may be required under contract by some businesses and individuals.

Who Needs Errors and Omissions Insurance?

Not every business requires errors and omissions insurance. However, if yours provides services for a fee, you may want to learn more. If you are considering E&O insurance for your Spartanburg, SC business, contact Allsurance Group today for the straight facts or make an appointment to obtain a quote. 

Auto Insurance Requirements in the State of South Carolina

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Every state is unique when it comes to auto insurance requirements and the state of South Carolina is no different.  South Carolina drivers need to be aware of insurance requirements within the state when buying insurance. The Allsurance Group serving Spartanburg, SC can help you know what requirements exist.

Auto Insurance is a Requirement

When you go to get a driver’s license in the state of South Carolina, you are admitting to one of two things. You certify when you get your license that you have insurance through an automobile liability policy. It is either that, or you certify that you do not own a vehicle.  

Liability Auto Insurance Minimum Requirements

The state of South Carolina also requires vehicle owners to have liability auto insurance with certain minimum limits. This means your limits have to be, at least, these amounts.  The limits include the following:

  • A limit of $25,000 for bodily injury or death of a single person in a single accident where the cause was from the owner or driver of the vehicle insured.
  • A limit of $50,000 for total bodily injury or death liability when you are in a single accident which has a cause of the owner or driver of the vehicle insured.
  • A limit of $25,000 for property damage per accident where the cause is the owner or driver of the vehicle insured.  

In addition to these, uninsured motorist (UM) coverage is a requirement in South Carolina. This will protect you if the at-fault driver in an accident has no insurance.

South Carolina auto insurance requirements must be a part of every insurance policy you buy. If you do not comply with state requirements, your auto insurance will not be adequate.  Work with the Allsurance Group to ensure your auto insurance policy complies. Serving Spartanburg, SC the group can help be sure your auto insurance checks all of the state requirements. 

Does Home Insurance Cover Sheds?

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Home insurance is something that all homeowners can benefit from and having a policy that is tailored to your particular property is a must. Your home policy is going to cover everything in the home, and any seeds that are on your property as well as their contents. For those that live in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that works for you.

Home policies cover a huge range of things that you may not even realize, like a shed that is on your property. Sheds are considered to be part of home property which means that if a shed catches on fire or is destroyed, you can claim it on your home policy and can also claim the contents of the shed as well. Your home policy will need to have sheds and any sort of contents named on the policy however in order for you to be able to claim them.

When you take out a home policy you need to establish what buildings are on the property and what the contents of those buildings are valued at. This is a similar notion to insuring a detached garage, you need to name both the building and state how much you want to insure the contents for. When you take a home policy you should allow the insurance adjuster to take a look at the shed and determine how much it needs to be insured for and how much you should insure the contents for as well.

It is always easier to figure out what to insure a shed and its contents with the help of an agent. For those in the Spartanburg, SC area, the agents with Allsurance Group can help you find the policy that covers your home and your shed.  

Doing Business On The Water: Keeping Your Commercial Policy Afloat

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Though the city of Spartanburg, SC  has less than 1% of water,  we know a lot of water is to be had in the states of North Carolina and South Carolina which we serve faithfully. As a result, many of our residents make their living in the waters of these beautiful states. There are many factors involved in determining how your commercial policy should look in alliance with your business on the water. 

The most important factor is the type of business you are conducting on the waterways of North and South Carolina. If you are involved in fishing or boating tours then you may consider adding recreational insurance as an arm of your commercial insurance policy. If you are merely fishing and selling the proceeds of the catch your commercial insurance policy will look quite different. These subtle differences are why you should always sit down with an experienced insurance agent to ensure that you are protecting your business and your personal assets. Another facet of your concern should be if you split your time between business and pleasure on the water. We would love to sit down with you and clearly outline how Allsurance Group of Spartanburg, SC can part the waters in terms of your newfound understanding of your commercial insurance policy.

Allsurance Group is located at 930 Hospitality Dr. in Spartanburg.  Contact us by telephone at 864-641-6371.  We take pride in who we are and how much we know about the insurance field. It is our pleasure to serve you and make certain that you have the very best coverage to meet you and your family’s needs. We welcome you to learn more about our auto insurance, homeowners insurance, commercial insurance, life insurance, motorcycle insurance, renters insurance, recreational vehicle insurance, and our umbrella insurance policy. Stop by or call today.

Mudding and Auto Insurance: Does Off-Road Driving Affect Your Rates?

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Truck owners in Spartanburg, SC may love going off-road during the spring and fall, when the mud is thick and they can really throw it wide. However, these individuals may worry about what happens when they crash. Will a policy from Allsurance Group pay for this damage? The answer to this question may not be to all driver’s liking.

Mudding May Negate Your Policy

Here’s something that few people may not realize about their insurance: the moment that they go off-road, their policy is not in effect. Essentially, this kind of driving is considered negligent or dangerous because most vehicles were not designed for it. Insurance is designed to only cover driving that is reasonable and safe.

As a result, any accident that you suffer while off-road may be uninsured and cause serious financial issues. This coverage limitation only applies in situations like mudding, where you purposefully go off-road to ride. Driving on dirt roads isn’t considered off-road because, even though it is primitive, the path is considered drivable.

Off-Road Insurance is Available

However, drivers may be able to add off-road protection to their policy to improve their coverage and avoid serious complications with their truck. This type of coverage typically requires collision protection, bodily injury issues, and property damage.

Make sure to ask your provider for all of these options on your policy. Failure to have these options could cause issues if you crash into somebody, damage their home or vehicle, and injure them at the same time.

Get the Insurance That You Need

So if you love off-road racing and plan on mudding in Spartanburg, SC any time soon, please contact us at Allsurance Group. Our experts will find a plan that works for your needs and work to ensure that your care is insured when you go off-road.