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Inventory: Get the most of your coverage

An important feature in most homeowners policies is the personal property coverage.  The personal property coverage protects you against losses of precious belongings within your home, and this amount pays benefits additional to the cost of insuring the dwelling structure itself.  While most consumers are aware they have the coverage, few have really thought through what would happen in the event of a claim and asked important questions such as “How will I be compensated?”; and “How will I prove the value of my belongings?”; and “What are the standards for determining property value?”

A simple solution is to create a schedule (inventory)  of your belongings and store it in the cloud or in a safe place away from your dwelling.    This simple list should include

  • the type of article (such as oak table or antique chair)
  • the model or make of the item
  • the estimated replacement value of the item
  • A picture of the item if possible

Having an inventory is a great gift to yourself at the time of a claim.   It shows that you have thought through the process of actually having a claim and will speed the claims process, should a loss occur.

Introducing Consumer’s Choice Health Plan

The Affordable Care Act is now here.  South Carolinians are eligible for significant subsidies, making the purchase of health insurance a reality for hundreds of thousands of previously uninsured South Carolinians.  Many individuals in our state make less than $25,000 a year.  Most subsidy-eligible people in this income bracket are finding full major medical plans for between $0 and $75 premium per month!

Consumer’s Choice: an Insurance Choice Individual South Carolinians are Making in Droves

As part of the role out of the Federally Facilitated Marketplace (FFM), the FFM approved Consumer’s Choice Health Pan Co-op as a provider for health insurance coverage.  Consumer’s Choice features new ACA compliant “metallic” plans with a price tag as much as 15-20% below other options available on the FFM exchange.  For those who enroll via the FFM, the provider network includes Grand Strand, Georgetown, Waccamaw, MUSC, and East Cooper hospitals.  Consumer’s Choice also offers a wider range of options in all metallic coverage categories – including bronze, silver, and gold – than other competitors.

 

Click the below links for more information or call (843) 251-4896 to set an appointment.

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