Home is a place we return to at the end of the day. To safeguard the comfort and the peace of mind that our home offers, we have to save it from life’s mishaps. L.H. Griffith and Company is here to help you with our home insurance plans. Our licensed agents have years of experience; they will explain the limitations of our policy and if you want extra coverage, they can work with you to customize the policy and extend the coverage at very affordable prices. It is because of their dedication towards our customers that they work extra hard to make sure you get the discounts from multi-policy discounts and deductible choices, which are rightfully yours. Since we are an independent agency, we offer you options that you won’t get otherwise from a captive agency. We help you get the right coverage to meet your specific property insurance needs.
Below we have mentioned a few common questions you should ask before taking insurance policy. Take a look.
- Is it absolutely necessary?
Though home insurance is not yet mandated by law, getting a comprehensive policy can save your precious home from a large number of threats and contingencies. Home is a costly investment, who wouldn’t want to safeguard it? Home insurance policy will give you the peace of mind even in the events of natural or man-made disasters.
- What properties aren’t covered under the policy?
Before agreeing to every terms and condition and signing on the dotted line, you should be well aware of all the items covered along with the one which are not covered in your policy. Places like buildings still under construction and certain commercial places are out of the scope of home insurance policy.
- What is a no-claim discount?
This is a discount given by the insurance company if the insured hasn’t made any claim during the insured period. It is calculated based on the number of years the claim hasn’t been made. NCD helps in getting discounts on the next year’s renewal of the policy.
So, if you are a resident of Charleston, Goose Creek, Kiawah Island, Moncks Corner, and Summerville and need home insurance, you can contact our agents.