Auto insurance may help you cover the damages that arise from being in an auto accident, but these policies typically only pay for the actual cash value (ACV) of your vehicle if it is totaled in an accident. If you owe more on your auto loan than your car is actually worth, this could result […]
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Auto parts store owners need specialized insurance policies to protect themselves, their stores, their employees, and their merchandise from a variety of common risks that could cause significant financial damages. At KSA Insurance, we partner with Auto, Allstate, and AmTrust to provide comprehensive auto parts store insurance policies to business owners in South Carolina and […]
Homeowners insurance and landlord insurance both offer necessary protections for property owners, including property and liability coverages that protect you and your property from several common hazards. If you’re planning to rent out your property, you’ll likely need to purchase landlord insurance to ensure you are fully protected against the unique risks that come with […]
Standard collision insurance may help pay to repair your vehicle after an auto accident, but what if your car is damaged in an incident other than a collision? Comprehensive car insurance is a coverage that is designed to protect you and your vehicle from hazards like fire, falling objects, vandalism, and other events that may […]
Home insurance is designed to protect your property from a variety of hazards that could result in significant monetary damages. Standard homeowners insurance policies include coverage limits that may not be enough to cover your damages depending on the value of your home. High-value home insurance helps homeowners with high-value properties get more protection by […]
Personal liability insurance provides coverage that helps pay for claims of bodily injury or property damage when you or other covered residents are held personally responsible for the incident. For example, if someone is injured after falling down the stairs in your home, you may be held personally liable. In this case, personal liability insurance […]
Most mortgage companies will require you to purchase hazard insurance before approving you for a home loan. If you’re a new homeowner, you might be wondering what hazard insurance is and how it differs from a standard homeowners insurance policy. In this post, we’ll cover everything you need to know.
Homeowners insurance protects your property from a variety of common risks and events. You will often see these incidents referred to as perils—a term that refers to an event that causes property damage or other losses. Your homeowner’s insurance policy declares what perils you are and are not protected against—which are referred to as covered […]
Owning rental properties comes with a variety of risks that can cause significant financial damages if you don’t have the right insurance. Landlord insurance helps property owners protect themselves and their properties against these risks and mitigate any financial damages that may be incurred after a covered incident. At KSA Insurance, we work with landlords […]
Homeowner’s insurance policies typically include several coverages that are designed to protect your home and personal property from a variety of risks. Dwelling coverage, in particular, helps cover expenses related to rebuilding or repairing the physical structure of your home if it’s damaged by a covered event. To better understand your homeowner’s insurance policy, let’s […]