Insurance Tips - Blog | Beach Insurance LLC

Latest Insurance Tips

non-owner auto policy South Carolina North Carolina rules

Liability coverage for a person who does not own a car and still drives a borrowed or rented one is what South Carolina calls a nonowner policy and North Carolina calls an operator's policy. When the owner gave permission, the owner's policy is the coverage the statutes extend to the driver.

Beach Insurance LLC Oct 25, 2026

Insurance Tips

utility trailer coverage personal auto Carolinas, NC SC

Liability can follow a utility or cargo trailer while it is used with a covered auto. Collision or comprehensive on an owned trailer has to come from the declarations, a schedule, or an endorsement, and North Carolina and South Carolina registration rules differ.

Beach Insurance LLC Oct 23, 2026

Home Owners Insurance

student belongings homeowners coverage Carolinas limits

A Carolina homeowners policy may cover some belongings of a full-time student who lived in the household before school, but property kept at a residence away from home is often limited to 10 percent of Coverage C or $1,000, whichever is greater. The form sets the age test, theft sublimits, and whether a renters policy fits.

Beach Insurance LLC Oct 21, 2026

Home Owners Insurance

swimming pool liability homeowners Carolinas, NC and SC

A pool, hot tub, or trampoline on a Carolina lot is usually a liability question on a homeowners policy. Personal liability applies when a household member is legally responsible, and a smaller guest medical payment can apply without negligence.

Beach Insurance LLC Oct 19, 2026

Home Insurance

equipment breakdown coverage homeowners Carolinas explained

A stopped heat pump, well pump, or water heater is not the same loss as water that suddenly leaves the unit. Mechanical or electrical breakdown of a home system usually needs a separate endorsement, while a sudden accidental discharge can fall under a standard homeowners form.

Beach Insurance LLC Oct 15, 2026

Car Insurance

newly acquired auto coverage Carolinas: NC 30-Day Notice

In North Carolina, an existing policy covers an added car or a replacement car when the company is notified within 30 days, and a missed notice means no automatic coverage. South Carolina requires security for the whole registration period and does not state one statewide day count.

Beach Insurance LLC Oct 13, 2026

Car Insurance

permissive use auto coverage Carolinas covers borrowers

A person who borrows a covered car with expressed or implied consent is covered for liability up to the limits on the policy in South Carolina and North Carolina. In South Carolina, a signed named exclusion is separate and is not undone by handing over the keys.

Beach Insurance LLC Oct 11, 2026

Home Owners Insurance

Vacant Home Coverage Carolinas Homeowners HO-3

A typical HO-3 can stay in force while a primary house sits empty, but vandalism and building glass commonly stop after 60 consecutive days of vacancy. Confirm how the form defines vacant versus unoccupied and arrange a vacancy permit before move-out.

Beach Insurance LLC Sep 27, 2026

Insurance Tips

Medical Payments Auto Coverage Carolinas Is Optional

Medical payments coverage on Carolina auto policies is optional. It can pay reasonable medical and funeral costs for occupants after a crash, without waiting for a liability claim to finish.

Beach Insurance LLC Sep 25, 2026

Home Owners Insurance

Inflation Guard Dwelling Coverage Carolinas Limits

Coverage A should match current rebuild cost in North and South Carolina, and both regulators cite an 80 percent replacement-cost floor. Inflation guard moves the dwelling limit as construction costs change, but a yearly review is still needed.

Beach Insurance LLC Sep 23, 2026