Tag: Homeowners

2 articles

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Home Owners Insurance

Replacement Cost vs Actual Cash Value Homeowners, Carolinas

Replacement cost pays current like-kind repair or rebuild up to the limit, with no depreciation deduction. Actual cash value starts from that same figure and subtracts age and wear on Carolina homeowners policies.

By Beach Insurance LLC 2026-08-26

Personal Insurance

Umbrella Liability Insurance SC NC for Homeowners

A personal umbrella adds liability protection above your home and auto policies for South Carolina and North Carolina households. It is optional extra coverage for larger claims when assets and everyday exposures warrant higher limits.

By Beach Insurance LLC 2026-08-13