Homeowners, Renters & Home Insurance in Goose Creek, Kiawah Island, Moncks Corner, Charleston, Summerville, SC, and Surrounding Areas
Protecting where you live
Home Insurance from L.H. Griffith and Company
Home: it’s our favorite spot for doing life and the place we love to return to at the end of the day. The professionals at L.H. Griffith and Company know the comfort and peace of mind that home offers. When life’s mishaps bring mayhem to your happy home, it’s good to know that L.H. Griffith and Company is here to help. Whether you own or rent, our staff will make sure you have the coverage you need to make things right again. Home is where the heart is…and our heart is for protecting your home!
Be SURE you have what you need
The most common misconception about homeowners insurance is that owning a policy means everything you own is automatically covered. That’s not the case…and, unfortunately, most people won’t realize the truth until a loss occurs. Every policy has limits, and knowing those limits can help you determine what, if any, additional coverage you need.
For example: most homeowners’ policies have a maximum limit of coverage for jewelry, which varies from company to company. In some cases, it’s not enough to cover higher-end engagement rings, and if you have several expensive pieces, you’ll need to secure additional coverage. Other limited coverage includes electronics, musical instruments, guns, furs, artwork / antiques / collectibles, coins and money, stamps, cards, sports cards, comic books, silver and gold.
Your L.H. Griffith agent can show you how to get the additional coverage you need so you never have to worry.
The Specialist in Property Insurance
L.H. Griffith & Company
A specialist: one devoted to one subject or to one particular branch of a subject or pursuit. Whether it’s by definition or practice, it’s true that L.H. Griffith & Company specializes in property and casualty insurance. Our agents have years of experience in tailoring coverage to meet your specific property insurance needs. They take the time to ask the questions that get the information they need to provide the professional service you deserve. They work hard to ensure you receive the discounts for which you qualify, from multi-policy discounts to deductible choices and so much more. That’s personal service. That’s L.H. Griffith & Company.
A Proud Independent Agency
Yes, we’re proud to be an independent agency, and with good reason. As an independent agency, we can offer options that simply aren’t available with a captive agency. We’ve spent years developing relationships with many of the nation’s most respected insurance providers, learning about the wide variety of products they offer and matching the right company with our customers based on their needs. It’s one more way L.H. Griffith & Company puts the power of independence to work for you!
A Special Message for Renters
If you rent, it’s important to understand that your landlord’s insurance does NOT cover your personal possessions. Whether you’re renting an apartment or single family dwelling, the property owner’s insurance covers only the items that the he or she owns; namely, the building and other structures (shed, garage, etc.). An important thing to remember is that no one can purchase insurance to protect something they don’t own.
Renters Insurance offers the protection you need for your personal belongings, as well as additional coverage for liability, should a guest become injured in your apartment or home. You can also include coverage that pays for additional living expenses incurred due to a covered loss. Your L.H. Griffith & Company insurance agent will be happy to help!
Our Homeowner’s Insurance options include coverage for
- Fire Policies
- Homes under construction
- Mobile Homes
- Rental Properties
- Liability Umbrellas
- Vacant Homes
- Multi-Policy discounts available