18 articles
A personal auto policy in South Carolina and North Carolina typically excludes rideshare and delivery driving from the moment a driver logs into a TNC or delivery app. Waiting-period TNC liability is 50/100/25 in North Carolina and 50/100/50 in South Carolina, then $1 million once a prearranged ride or TNC service has begun.
Additional living expenses homeowners coverage, labeled loss of use or Coverage D on many forms, reimburses the increase in living costs after a covered South Carolina or North Carolina home loss makes the dwelling unfit to occupy. An NFIP flood policy typically does not pay hotels or extra meals.
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.
Carolina lawn-care companies usually need four coverages working together: general liability, insurance for mowers and tools, commercial auto, and workers compensation. South Carolina generally requires workers compensation at four or more employees; North Carolina generally requires it at three or more.
If you keep a motorcycle registered in South Carolina or North Carolina, you still need that state's minimum liability and uninsured motorist coverage. Collision, comprehensive, custom parts, riding gear, and winter storage are usually optional unless a lender or the plate rules say otherwise.
List your teen on the household auto policy before unsupervised driving in South Carolina. This guide covers when to add them, how GDL timing fits, what moves the premium, and practical ways to manage cost.
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.
Golf cart coverage on the Carolina coast depends on where you drive and how the vehicle is classified. South Carolina ties highway use to permits and liability; North Carolina often follows local ordinances, and LSVs are treated more like other motor vehicles.
