by John Cosgrove | Jul 7, 2026 | Uncategorized
Wind and hail coverage in coastal South Carolina is more complicated than most homeowners realize, and the confusion usually starts with deductibles. There isn’t just one wind deductible; there’s often a named-storm deductible and a separate, broader...
by John Cosgrove | Jul 7, 2026 | Uncategorized
If your Charleston-area home is mapped in Flood Zone X, you’ve probably heard it described as “low risk,” and maybe even been told flood insurance is optional. That’s technically true, but it’s also one of the most misunderstood facts in...
by John Cosgrove | Jul 7, 2026 | Uncategorized
If your coastal South Carolina home is more than 25 to 30 years old, you may hear your insurance agent mention a “4-point inspection” during the quoting or renewal process. It sounds bureaucratic, but understanding what it actually checks, and why, can...
by John Cosgrove | Jul 7, 2026 | Uncategorized
Every driver in South Carolina is legally required to carry auto insurance, but the specifics of what “meeting the requirement” actually means trip up a lot of drivers, especially the difference between the state’s bare legal minimum and coverage...
by John Cosgrove | Jul 7, 2026 | Uncategorized
If you own a home along the South Carolina coast, from downtown Charleston to Mount Pleasant to North Myrtle Beach, you’ve likely heard of the NFIP, the National Flood Insurance Program. What fewer homeowners know is that private flood insurance has grown into a...
