Insurance Talk That Doesn’t Make You Snooze
We break down the confusing world of insurance with real talk, real stories, and zero boring jargon.
Serving South Carolina, North Carolina, and Georgia
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Featured
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From Fender Bender to Courtroom: Why Minimum Coverage Isn’t Enough
The Day Everything Changed It was just another busy afternoon on the road. The sun was…
Latest Articles
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They Declined Umbrella Coverage — And Regretted It Too Late, Are You Leaving Yourself Exposed?
A family declined umbrella insurance coverage and faced financial ruin after a cycling accident. Learn why umbrella coverage protects your assets and future income.
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“But I Thought I Was Covered” – 5 Home Insurance Surprises
If you’ve ever skimmed your home insurance policy (or let’s be honest, shoved it in a drawer), you’re not alone. Most of us just assume we’re covered for whatever life throws at us, until we find out the hard way that some disasters fall into the “you’re on your own” category.
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The Unthinkable Moment That Reveals What Good Drivers Don’t Know
A Friday night intersection crash reveals how minimum auto insurance coverage left two families facing devastating financial consequences and years of legal hell.
Deductible
The amount you pay out of pocket before your insurance kicks in. Think of it as your skin in the game.
Premium
The money you pay to your insurance company for coverage. it’s like a subscription fee for financial protection.
Liability Coverage
Insurance that pays for damage you cause to others. Because accidents happen, and lawyers are expensive.
Actual Cash Value (ACV)
What your stuff is worth now, after depreciation. Spoiler: it’s less than you think.
Replacement Cost
What it costs to replace your stuff with new items. The better option if you don’t want to downgrade after a loss.
Umbrella Policy
Extra liability coverage that kicks in when your regularpolicies hit their limits. Like a safety net for your assets and income.
Helpful Resources
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Life Insurance Calculator
Auto Coverage Estimator
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