Home Insurance Coverage in Carolina Forest, SC

Comparing home insurance companies is hard enough in Carolina Forest. When you add in the difficulty of understanding and comparing home insurance coverage and policies, it can be a daunting task to attempt on your own. The independent agents at Bradham Insurance Agency are well-versed in the world of home insurance, so you don’t need to question the difference between a basic and broad form home insurance policy. We work hard to keep your homeowners insurance cost as low as possible while still giving you all the protection you would expect from home insurance companies. You can expect hometown, personal contact when you call Bradham Insurance Agency to find you an affordable homeowners insurance policy in Carolina Forest.

All Bradham Insurance agents understand the differences in the five basic home insurance options and can answer any questions you may have about appropriate coverage for your family.

 Basic House Insurance 

• The bare minimum of insurance policies, basic house insurance ONLY covers damage caused by
• Fire and smoke
• Explosions and lightning
• Hail and windstorms
• Theft, vandalism, civil unrest and riots
• Errant vehicles or aircraft
• Volcanoes
• This home insurance policy does not include insurance coverage for any personal belongings or damage from anything not already listed on your homeowners insurance policy.

Broad Form Home Insurance Policy

• The broad form policy includes all of the protection from the basic house insurance plus it protects your personal belongings and personal liability in some cases. It also protects you against damages from:
• Falling objects
• Snow, sleet and ice
• Frozen pipes and unexpected pipe bursts
• Electrical surges
• A sudden discharge of water or steam
• Anything you want covered under a broad form home insurance policy must be listed ahead of time. The best way to make sure you have the coverage you want is to call Bradham Insurance Agency and work with one of our talented independent insurance agents.

Click here to request a free quote.

Special Form Homeowner's Insurance Policy

• This is the most common form of house insurance, and covers any damages included in the broad form policy as well as anything not listed as an exclusion. This policy is popular because you don’t have to list out specific events to ensure protection of your property and belongings. However, earthquake and flood damage are NOT usually covered with the special form policy.
• To make sure you are fully protected in Carolina Forest, call Bradham Insurance Agency. Our independent agents will take the time to go over all of your homeowners insurance policy details with you and can recommend any additional coverage if you are worried about the next hurricane season in South Carolina.

Renter's Insurance

• Anyone who does not own their residence can still receive protection for their belongings under a homeowners insurance policy commonly referred to as “renter’s insurance”. Landlords and leasing agents are required to insure their rental property for structural damage but that does not protect your belongings in the event of a burst pipe or break-in.
• To make sure you find the best renter’s insurance policy, contact Bradham Insurance Agency today for a FREE insurance quote.

Open-Peril Policy

If you are looking for the most comprehensive home insurance policy available, ask your Bradham Insurance agent about an open-peril home insurance policy in Carolina Forest. This policy typically covers damage from anything with the exception of:

• Earthquake, landslide or mudslide
• Floods
• Water damage
• Bird, rodent or insect infestation
• Homeowner’s neglect, intentional loss, or general wear and tear
• Foundation issues
• Mold, fungus or rot
• Smog, corrosion, war, or nuclear hazard

When shopping for homeowners insurance in Carolina Forest, it is always important to remember to work with a licensed insurance agency, like Bradham Insurance Agency. These home insurance policies can be confusing at times and cheap home insurance does not always mean the best home insurance. Contact on of our independent insurance agents today and let us help you find the best homeowners insurance to fit your needs and budget. Call now for a FREE house insurance quote. 

+843-488-2886 or visit our main website.