Home insurance from Champion Insurance Agency can be the difference between a disaster and a bump in the road. Still, South Carolina homeowners need to take proactive steps to enhance safety and protect their families. Some practical implements include investing in basic safety features.

Safety features like carbon monoxide alarms, smoke detectors, and fire extinguishers enhance overall safety and reduce the risk of fire damaging your home. Installing storm shutters is a good idea, too, because they prevent wind damage to your property. Some other options include:

• Installing security systems: Installing security systems and burglar alarms is a great way to deter theft and increase your sense of safety and security.
• Proper lighting: When all the areas of your property, both indoors and outdoors, have adequate lighting, it prevents accidents. It also acts as a deterrent to criminal activity.
• Proper plumbing: When you have likes in your home, you must fix them promptly to prevent slip and fall accidents.
• Maintain electrical systems regularly: You must inspect and maintain the electrical systems on your property. Ensure you promptly address any malfunctioning outlets, exposed wiring, and faulty switches.
• Remember stairwells and hallways: Stable handrails and proper lighting are excellent options for preventing severe falls in your home.
• Keep your pool safe: If you have a pool, make sure you install proper safety fencing to prevent accidental drowning. This is a great option when you have children around.

By implementing safety measures and understanding your insurance coverage from Champion Insurance Agency, you can protect your property investment in your South Carolina home and enhance its overall safety. It’s also a great way to protect your residents and visitors. It also reduces liability for you.

Discover the key to safeguarding your home and possessions here at Champion Insurance Agency, serving South Carolina and the surrounding neighborhoods. We understand the critical role a home inventory checklist plays in ensuring adequate insurance coverage. This detailed list is a game-changer, protecting your assets and streamlining the insurance claim process in times of loss or damage.

A home inventory checklist is not just a mundane list of your belongings; it’s your safety net.

1. Your Safety Net: A home inventory checklist isn’t just a mundane list; it’s your insurance safety net. Catalog your valuables, including furniture, electronics, jewelry, and more, with detailed descriptions, photos, or videos. This comprehensive record serves as solid evidence to support your insurance claim in case of loss or damage.

2. Area-Specific Protection: Insurance laws vary between states, emphasizing the need for residents to have area-specific knowledge. A home inventory checklist helps align coverage precisely with your possessions’ value and the specific risks that your area might face.

3. Ongoing Financial Preparedness: Beyond claims, a checklist ensures your coverage remains up-to-date. Regular reassessment helps keep your insurance coverage adequate as your possessions evolve, offering peace of mind that your valuables are protected.

4. Be Proactive: In securing your home and belongings, crafting a thorough home inventory checklist is a necessity. Our team is available to assist you every step of the way through this essential process. 

Take Action to Secure Your Possessions Today!

Safeguarding your possessions goes beyond their monetary value; it’s a top priority. Get in touch with us here at Champion Insurance Agency, where we serve South Carolina and the surrounding neighborhoods. Take the proactive step today to protect your home and belongings with a personalized, well-documented home inventory checklist.

Here in South Carolina, we get to enjoy beautiful sunny weather perfect for swimming from late spring to early autumn. So if your family really loves taking a dip in the pool on those warm and hot days, then this is a great place to invest in one. However, there are some things to know about how it relates to your South Carolina home insurance policy:

Does My Home Insurance Cover My Newly Built Backyard Pool?

Pools are a lot of fun, but they also carry some risk as there continues to be a high number of unintentional drownings every year. As such, insurance companies label backyard pools as "attractive nuisances" because while they do add value to your home, they also add the risk of liability. In response to this heightened liability risk, your insurance company is apt to raise the rates on your home insurance policy, increase your deductible, or both.

So, the short answer to whether your home insurance policy will cover the newly built swimming pool in your South Carolina backyard is yes, but it’s going to cost you. In some cases, your home insurer may require you to add an endorsement or rider which will be specifically attached to your swimming pool. This endorsement will then have its own additional premium, but your standard home coverage will remain the same. 

You should also be aware that your insurer will likely send someone out to inspect the pool before it’s added and to send someone periodically over the years. They will be looking to ensure that the swimming pool is being properly maintained. Some insurers may also require homeowners to have a fence with a locking gate around the pool itself and no non-medical attachments leading into the pool (no diving boards or slides). 

Learn More With Champion Insurance Agency

Looking to update your home insurance policy? Contact our friendly team at Champion Insurance Agency to see the best South Carolina options for your household.