Pinckney-Carter Co.
FAQ's
Q: What is homeowners insurance?
A: Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections: 1) covers the property of the insured and 2) provides personal liability coverage to the insured.
 
Q: What do I need to know when purchasing homeowners insurance?
A:
  • Get the amount and type of insurance that you need.
  • Determine the amount of personal property insurance and personal liability coverage that you need.
  • Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?
 
Q: What is "actual cash value"?
A: When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.
 
Q: What is replacement cost"?
A: When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
 
Q: Where and when is my personal property covered?
A: Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).
 
Q: Should I purchase earthquake coverage?
A: Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.
 
Q: Should I purchase flood coverage?
A:

Ask our agent about a flood quote. If you are in a high risk zone, you may have to have an elevation certificate to purchase flood.

 

INSURANCE AGENCY

Pinckney Carter Company
1956 Remount Road
N. Charleston, SC. 29406

Call: 843.747-9073
Fax: 843.747.4726

Facebook Linkedin Get A Quote

We Are A Trusted Choice Agency Your Independent Insurance Agent

Hartford AARP

 

Insurance News

Fri, 11 Oct 2019 17:12:13 +0000
Government public health officials are continuing to advise people to stop ...
Mon, 07 Oct 2019 13:24:59 +0000
The biggest cases before the Supreme Court are often the last ones to be de...
Mon, 07 Oct 2019 00:48:54 +0000
Last Wednesday’s crash of a World War II B-17 bomber in Connecticut was the...