Expert Protection
Comprehensive Coastal Home Insurance for Myrtle Beach
When you have property within the coastal region of North Myrtle Beach, Surfside Beach and especially Murrells Inlet and Pawleys Island, you have bigger concerns for protecting your home and property than when you live inland.
With the obvious need for Hurricane Insurance and Flood insurance and confusion about how the Wind Pool and Wind and Hail policies affect your property, Moore & Associates Insurance eliminates the confusion and provides homeowners insurance quotes from multiple carriers and then helps you decide on the best home insurance policy for protecting your Grand Strand property.
Understanding Your Options
Navigating Homeowners Insurance Can Be Complex – We Keep It Simple
Homeowners insurance policies vary based on the "form" type, unlike the more standardized auto insurance. The most common types include HO1 (Basic), HO2 (Broad), HO3 (Special), HO4 (Renters), HO6 (Condo), and HO8 (Older Home). Each form offers different levels of protection.
Homeowners policies are bundled to include property coverage for your building, contents, and liability, protecting against lawsuits. It's important to understand your policy by reviewing its declaration page, policy booklet, and endorsements.
Additional coverage
Let Us Help You Find The Right Coverage Today
HO1 policies offer minimal coverage, while HO2 covers basic perils like fire and theft. HO3, the most common, offers broad protection, excluding certain events like floods or earthquakes. HO3 is often called "All Risk" or "Special" depending on the provider.
Additional coverage can be purchased for high-value items like jewelry, firearms, and silverware. Policies often limit coverage for these items, so it's important to review and consider expanding your coverage if needed. Optional coverages are also available for specialized possessions like fine art or collectibles.
