We’ve had more than one conversation this year with a homeowner who was shocked to learn their “replacement cost” policy wouldn’t cover rebuilding their home. Usually the gap isn’t in the policy type — it’s in the dwelling coverage limit not keeping pace with [...]
Flood insurance premiums have been a moving target since FEMA rolled out Risk Rating 2.0, and homeowners still ask us some version of the same question: is my flood zone letter still what determines my rate? It isn’t, and understanding why matters whether you’re [...]
Every Mount Pleasant homeowner who’s read their declarations page has hit the same confusing line: a named-storm or wind/hail deductible listed as a percentage instead of a dollar amount. It’s not a typo, and it’s not the same math as your regular deductible — [...]
Supplemental heat is not a novelty in Sussex County. It’s practical. Between the cost of propane and oil, the reality of winter power outages, and the fact that plenty of Newton-area homes sit on wooded lots with a free fuel supply, wood and [...]
Staten Island’s housing stock has been quietly modified for eighty years. A basement became an apartment for a mother-in-law. An attic became a bedroom. A rear extension went up over a long weekend in 1987. None of it appears on the Certificate of [...]
A private dock on a tidal creek is the reason many people buy in Mount Pleasant in the first place. It is also, from an insurance standpoint, one of the least protected structures you will ever own. Are docks covered by homeowners insurance [...]
If you moved to Sussex County from somewhere with municipal sewer, there’s a conversation you probably never had. The septic system is yours — the tank, the distribution box, the leach field, and every dollar of what happens when they stop working. Does [...]
There is a particular phone call we take on Staten Island. A homeowner is selling, or refinancing, or having the yard regraded — and someone has just found a steel tank under the lawn that nobody knew was there. The next question is [...]
If you live in Park West, I’On, Carolina Park, or Rivertowne, you already know the golf cart is a second family vehicle. It runs to the pool, the pod, the pharmacy, and the ballfields. What most owners don’t know is what happens to [...]
Mount Pleasant is a premier destination for seasonal residents who enjoy the Lowcountry’s charm during the mild winters and retreat elsewhere during the peak of summer. However, leaving your property empty for extended periods can unknowingly void your Mount Pleasant SC home insurance. [...]
