THURSDAY, FEBRUARY 19, 2015
I love when a client tell me that their next door neighbor pays less for insurance on their house and the next door neighbor pretends to be an expert. It is even more entertaining when I find that the next door neighbor knows nothing about insuring a house in Charleston, Mt Pleasant, James Island or anywhere in South Carolina If both homes are exactly the same and the owners are exactly the same then the premium will match. Unless this happens, there are too many variables in play to determine why one house is less than the other unless you're a true expert. An expert is a licensed South Carolina property & casualty insurance produce and/or broker. I hold both licenses and have over 27 years of experience insuring homes in South Carolina. Variables that effect the cost of insuring a home in greater Charleston include - the age of the home; the condition of the home' the age of the home's HVAC units; the age of the home's roof, the type of roof, the age of the electrical system; the age of the plumbing system; the proximity to tidal water; the proximity to the ocean or other bodies of water; the smoking habits of the residents; the types of dogs; the trees; past claims; the insured's credit score to name a few. I think you get the picture.
Call me if you want to discuss how to reduce your premium for home and auto insurance for your Charleston, Mt Pleasant, James Island or any home in South Carolina. With the high cost of insuring our homes, simple changes can give you significant savings. That is if you listen to an expert .
President - Triest Agency
SC Property & Casualty Producer
SC Surplus Lines Broker
SC Life Producer