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640 Dupont Rd
Charleston, SC 29407

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Four options you have when you buy home insurance

You can choose between various options when you buy insurance for your home in Charleston, SC. We can consult with you when you buy home insurance from B&A Insurance LLC so that you choose the best options for your situation.

The following are four options you have when you buy home insurance:

Replacement value vs. actual value coverage

Home insurance policies are typically classified as either replacement value policies or actual cash value policies. 

If you want to get complete coverage for your home, you should choose a replacement value policy. However, your premiums will likely be higher with replacement value coverage than they would be with an actual value policy. 

Deductible amount

Policyholders can typically choose from a few different deductible amounts. Decide on the right deductible amount for you depending on how much you can afford to pay out of pocket for a deductible when you file a claim. 

Coverage for outbuildings

If you have outbuildings on your property, you cannot assume that they’ll automatically be covered under your policy. You may need to specifically request coverage for outbuildings so that these structures will be covered by your insurance policy. 

Liability coverage maximum

Your home insurance provider will give you various options for the policy maximum for your liability coverage. Liability coverage pays for any costs you face if you are sued because of an accident on your property.

You’ll enjoy more peace of mind and financial security in the event of a lawsuit if you invest in higher liability coverage amounts.

Reach Out To Us

Get a quote on a home insurance policy by calling us today. At B&A Insurance LLC, we’ll help you find a policy to insure your Charleston, SC home. 

4 Areas Covered By Home Insurance

While your home ownership process involves a lot of things, one thing you shouldn’t forget is home insurance. Without home insurance, your hard-earned home could go down the drain when the unthinkable happens. Fortunately, you can secure your home with home insurance from B&A Insurance LLC, located in Charleston, SC.

Liability protection

The liability coverage in your home insurance policy covers you and your household members against bodily injury and property damage for losses and damages caused to third parties. For instance, if your son throws a ball and breaks your neighbor’s expensive vase, the liability coverage can kick in to save you property damage costs. 

Similarly, if someone slips and injures their neck within your premises, liability insurance covers the medical expenses and legal costs if the person sues you for negligence. 

Dwelling protection

The dwelling coverage of your home insurance protects your home structure, including the roofs, wall, floor, and other permanent structures attached to your home. Home insurance protects your home against damage from:

  • Lightning
  • Hail
  • Fire
  • Theft
  • Vandalism
  • Windstorm
  • And many more risks

Home insurance excludes damage from certain perils. Be sure to double-check with your insurance agent to understand what’s not covered with your home insurance.

Contents coverage

If theft, fire, vandalism, or any other covered peril causes damage or loss to your assets, home insurance compensates you up to your coverage limit.

Additional living expenses

Suppose fire, hail, or any other covered peril destroys your home. Your home may become unlivable for a couple of days or even weeks as repairs go on. In the meantime, you may need to seek temporal shelter and incur expenses like hotel meals and accommodation. Home insurance saves the day by covering expenses that exceed your average daily/monthly spending.

Are you shopping for an affordable home insurance plan in Charleston, SC? Don’t look beyond B&A Insurance LLC. We offer customizable and affordable insurance to suit your needs. 


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