Insurance Insights

Read up on our latest articles about all things insurance and risk management, and equip yourself to prepare for the unexpected.

Do You Have The Gold Standard in Protection?
Blake Ferguson Blake Ferguson

Do You Have The Gold Standard in Protection?

Have you ever heard of something described as "The Gold Standard"? Maybe someone described their favorite classic car as "the gold standard" of American automobile manufacturing, or maybe it was their favorite band, computer brand, or hot sauce. Whatever it was, to them, it is the best of the best.

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How to Read Your Auto Insurance Policy
Blake Ferguson Blake Ferguson

How to Read Your Auto Insurance Policy

It helps to understand what your policy covers and what terms in your insurance policy mean. Reading your policy is the best way to know exactly what is covered, but if you open it up, you might find yourself overwhelmed by exactly what is in it. That’s why we have this guide for how to read your auto insurance policy, complete with pictures showing you what to look for!

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Blake Ferguson Blake Ferguson

Does Insurance Cover Stolen Christmas Gifts?

It’s the most wonderful time of the year, but sadly, that also means it’s the time of year when theft increases. From bank robberies and shoplifting, to car break-ins and porch piracy, the holiday season always sees an uptick in theft. If you’ve been the victim of one of these crimes, you might be wondering: Does my insurance cover this?

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Hurricane Ian: Be Prepared
Paul Ferguson Paul Ferguson

Hurricane Ian: Be Prepared

Living in the Southeast, near the coast, means living with the possibility of hurricanes every year, and the risk for damage that comes along with that. The great news is, we can usually see them coming, and know how to prepare for impact, or when it's time to get out of harms way altogether.

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How The Apollo 11 Crew Solved Their Life Insurance Problem.
Blake Ferguson Blake Ferguson

How The Apollo 11 Crew Solved Their Life Insurance Problem.

In 1969, as Neil Armstrong, Buzz Aldrin, and Michael Collins were preparing for their historic mission to land on the Moon, life insurance was a real problem for the Apollo astronauts. Because of the enormous risk to their lives, insurance rates were several times the astronauts’ annual salaries, making buying a policy impractical. They would need a creative solution.

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Will My Auto Insurance Cover A Rental Car?
Blake Ferguson Blake Ferguson

Will My Auto Insurance Cover A Rental Car?

I’m renting a car. Will my auto insurance cover me when I’m driving the rental?

This is a great question, and unfortunately, the answer is: it depends. Let’s look at the different components of coverage you will need when renting a car and the different options available for them.

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What You Need To Know About Trip insurance Before Your Next Vacation
Blake Ferguson Blake Ferguson

What You Need To Know About Trip insurance Before Your Next Vacation

If you’re planning on taking a trip, then you should consider Trip Insurance. If you’ve never heard of it before, trip insurance, also called travel insurance, is an insurance policy that protects you from financial loss in a variety of circumstances connected with your travel. All kinds of things can happen when you, from trip delays, lost luggage, or illnesses and injuries, and trip insurance is there to help you when these conditions arise.

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Hurricane Season 2022: Are You Prepared?
Blake Ferguson Blake Ferguson

Hurricane Season 2022: Are You Prepared?

Hurricane season starts on June 1st, and runs all the way through November 30th, believe it or not. With one tropical depression already brewing in the Gulf of Mexico, we could have our first named storm before the end of the week.

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Can I Lend My Car To A Friend?
Blake Ferguson Blake Ferguson

Can I Lend My Car To A Friend?

It’s a common question that we get a lot. You want to let a friend or neighbor borrow your car for something, but what if there is an accident while they’re driving?

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Three Ways For Generation Z (Or Their Parents!) To Save On Car Insurance.
Blake Ferguson Blake Ferguson

Three Ways For Generation Z (Or Their Parents!) To Save On Car Insurance.

Car insurance premiums can be pretty high for drivers under the age of 25. The simple reality is that insurance companies look at how risky of a driver someone is when determining their rates, and young drivers are just less experienced. The good news is that this is temporary. Once you get to 25, you will no longer be paying youthful driver rates. But in the meantime, here are three tips for reducing your premiums.

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What The Chip Shortage Means For Your Car Insurance.
Blake Ferguson Blake Ferguson

What The Chip Shortage Means For Your Car Insurance.

If you’ve looked at car prices lately, you might have noticed that new and used cars are both more expensive than they have been in recent years. In fact, the average sale price for a used car in America right now is just under $30,000.

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What To Do After a Car Accident
Blake Ferguson Blake Ferguson

What To Do After a Car Accident

No matter if you have been in a wreck before, or it’s the first time, a car accident can be a shocking, scary experience. Knowing what to do afterward makes it a lot easier though.

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Cyber Insurance for 2022
Blake Ferguson Blake Ferguson

Cyber Insurance for 2022

With a new year come new challenges for cyber security, and your business needs to be prepared to face those challenges. Last year, we saw more Ransomware attacks than ever before, and an increasing number of those were targeted at small to medium sized businesses.

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Winter Weather Preparation
Blake Ferguson Blake Ferguson

Winter Weather Preparation

Living in the usually warm Lowcountry means rarely thinking about what to do when it drops below freezing, but there are some important things to keep in mind.

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Have a conversation with a licensed insurance agent today to discuss your unique needs and get your questions answered.