Contact Us: (833) 414-3040    ​
GSP Insurance Group
  • Home
  • Get a Quote
    • Online Quote
  • Insurance
    • Personal Lines >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • RV Insurance
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
        • Umbrella Insurance
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Vision Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
    • Commercial Lines >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • File a Claim
    • Terms and Conditions
    • Privacy Policy
  • Client Center
  • Blog
  • Contact
  • Home
  • Get a Quote
    • Online Quote
  • Insurance
    • Personal Lines >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • RV Insurance
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
        • Umbrella Insurance
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Vision Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
    • Commercial Lines >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • File a Claim
    • Terms and Conditions
    • Privacy Policy
  • Client Center
  • Blog
  • Contact

GSP Insurance Group Blog

Is Your Homeowners Insurance Getting Non-Renewed? Here's What to Do

9/13/2023

0 Comments

 
Picture

What Are Some Common Reasons for Non-Renewal?

Is your homeowners' insurance policy at risk for non-renewal? This can happen for a variety of reasons, and it's crucial to be aware of them so you can take timely action. This has become a frequent occurrence, not only in Beaufort County and South Carolina but across the country, as insurance carriers are pulling back from disaster-prone areas, particularly coastal regions. Other companies are reorganizing or even liquidating, adding to the trend of non-renewals.

A failed home inspection is a common reason for non-renewal. If your property doesn't meet the insurance company's safety standards due to issues like faulty wiring or an aging roof, you might receive a non-renewal notice.

Residing in areas at high risk for natural disasters is another significant factor. Insurance companies are increasingly cautious about providing coverage in zip codes prone to frequent natural disaster-related claims, such as hurricanes, earthquakes, or wildfires.

Fraudulent information on the application can also result in non-renewal. If material misrepresentations or false details are discovered, the insurer has the option to either cancel or non-renew the policy.

​Understanding your policy's terms and conditions is essential to avoid such situations. Should you receive a non-renewal notice, consider reaching out to an independent agent who can help you find a suitable new insurance provider.

By maintaining a clean claims history and ensuring that your property is in good condition, you can bolster your chances of policy retention. Stay informed and proactive to secure the coverage you need.

Read More
0 Comments

What Requirements Should Landlords Have for Tenants' Renters' Insurance Policies?

6/28/2023

0 Comments

 
Picture
Introduction As a landlord, it is essential to protect your investment and ensure the well-being of your tenants. One way to achieve this is by requiring tenants to have renters' insurance. Renters' insurance provides coverage for tenants' personal belongings and offers liability protection. In this article, we will discuss the requirements that landlords should have for tenants' renters' insurance policies, emphasizing what that means for landlords and property owners in Georgia and South Carolina.

Get A Quote

Read More
0 Comments

Navigating the Storm: Understanding the Home and Auto Insurance Market in Beaufort County, South Carolina

6/14/2023

4 Comments

 
Picture
Introduction
South Carolina, a state known for its picturesque landscapes and welcoming communities, is currently facing unprecedented challenges in the home and auto insurance market. Within this vibrant state, Beaufort County has emerged as a battleground where residents are grappling with the impact of rising insurance rates. Across the board, homeowners and drivers are witnessing an alarming increase in premiums. Additionally, the market is witnessing a growing trend of carriers either withdrawing altogether or implementing stricter underwriting guidelines and higher down payment requirements. This phenomenon has earned the title of the "hardest insurance market" in a generation across the country. In this blog article, we will delve into the state of the home and auto insurance market in Beaufort County, explore the factors contributing to the difficulties, and provide insights on how to navigate this challenging landscape.

Get a Quote

Read More
4 Comments

What is an "attractive nuisance" and how does it affect my insurance?

3/29/2023

1 Comment

 
Picture
​An attractive nuisance is a term used in insurance and legal circles to describe a dangerous condition on a property that may attract children and cause harm or injury. This could be anything from a swimming pool or trampoline to a construction site or abandoned building. In this blog post, we will take a closer look at what an attractive nuisance is, why it matters in insurance, and how property owners can protect themselves.


Read More
1 Comment

Why it's Important to Consult with an Independent Agent for your Business Insurance.

3/27/2023

0 Comments

 
Picture
When it comes to protecting your business, having the right insurance coverage is crucial. As a business owner, you need to make sure that your company is adequately covered against potential risks and liabilities. However, finding the right insurance coverage can be a daunting and time-consuming task, especially for those who are not familiar with the insurance industry. This is where an independent insurance agent can help.


Read More
0 Comments

What is EPLI Insurance and Why is it Important for Your Business?

3/20/2023

0 Comments

 
Picture
As a business owner, you know how important it is to protect your company against unexpected events. You have insurance for your property, your products, and your liability, but have you considered protecting your business from employee-related lawsuits? This is where Employment Practices Liability Insurance (EPLI) comes into play. In this article, we'll discuss what EPLI insurance is and provide examples of covered situations.


Read More
0 Comments

What Are Admitted vs. Non-Admitted Insurance Carriers?

3/1/2023

0 Comments

 
Picture
I find myself answering this question several times a week to explain to clients and prospects the difference between Admitted & Non-Admitted Insurance Carriers. In the world of insurance, there are two types of carriers: admitted and non-admitted. Both are important players in the insurance market, but they differ in several significant ways. In this blog post, we will explore the differences between admitted and non-admitted insurance carriers and their importance in the insurance industry.


Read More
0 Comments

South Carolina Coastal Insurance 2023: State of the Market

2/16/2023

0 Comments

 
Picture
South Carolina's beautiful coastal region has always been a prime location for homeowners looking to enjoy the stunning beaches and year-round sunny weather. However, this picturesque region has faced its share of natural disasters, including hurricanes, flooding, and severe storms, leading to a significant impact on the coastal home insurance market.

Over the past few years, South Carolina's coastal insurance market has undergone some significant changes. Let's take a closer look at the current state of the coastal home insurance market in South Carolina.


Read More
0 Comments

Home Insurance

1/23/2023

0 Comments

 
Homeowners insurance is a type of insurance that provides protection for your home and personal property in the event of damage or loss from certain perils, such as fire, windstorm, and theft. It also provides liability coverage in the event that someone is injured on your property and sues you.
When you're looking for home insurance, it's important to understand that there are different types of coverage available, such as dwelling coverage, which covers the structure of your home, and personal property coverage, which covers your personal possessions. You should also consider additional coverage options, such as flood insurance or umbrella insurance, depending on your specific needs and the risks in your area.

Read More
0 Comments

Auto Insurance Basics

10/14/2022

0 Comments

 
Introduction
Auto insurance is a must for virtually all drivers, but the amount of coverage you need and the company you choose are important factors in your insurance costs. What types of vehicles do you own? Do they require special coverage or safety features? Do they have high mileage? Are they used primarily for pleasure or commuting to work? Your answers to these questions will help you find an auto insurance policy that offers just the right amount of protection without breaking your budget.
The Basics of Auto Insurance
Auto insurance is a type of insurance that covers damage or injuries caused by automobiles. It also covers medical expenses for the insured, their passengers and third parties who are injured in an accident involving the insured automobile. Auto insurance can be divided into three types: liability, collision and comprehensive.
The first type is liability, which covers the costs incurred by an insured party to repair or replace property damaged or destroyed by an insured vehicle. This includes any bodily injuries caused by the same vehicle up to liability limits set forth by law in your state of residence. The second type is collision coverage, which pays for repairs to your car when it collides with another object or vehicle - including pets! The third and final type is comprehensive coverage, which pays for damages unrelated to accidents such as vandalism and weather-related incidents like hailstorms (not counting hurricanes).
Shopping for a New Policy
When you're shopping for a new policy, focus on what your needs are. If you own a home and have young children, for example, you'll want to get the most affordable coverage that will still protect your family in case of an accident.
You should also look into how much money you can afford. Set up a budget that allows room for insurance payments and other monthly expenses like utilities and groceries—these things aren't cheap! Try to make sure that the amount of money spent on auto insurance doesn't take away from any other areas of your budget; this way, if something unexpected happens (like a major car repair), it won't be as stressful financially as it would be otherwise.
Finally—and this is important! —be aware of all the discounts offered by different companies when choosing an insurer or agency. Discounts include things like having clean driving records over time; being part of certain organizations such as AAA; living in safe neighborhoods with low crime rates; driving less than 20 miles per day or owning more than one vehicle (or both). These discounts can help lower premiums while still providing adequate protection against accidents and bodily injury claims brought upon by others on the roadways around us every day.
Choosing the Right Car Insurance Company
The most important step in finding the right car insurance company is to get multiple quotes. You should talk to an independent agent that works with multiple companies and allow them to shop around to find you the best coverage and rates. You should also ask about any discounts available based on factors such as marital status and credit score—these could help save you hundreds of dollars each year!
How to Lower Your Auto Insurance Rates
Enlist and independent agent to shop around for the best auto insurance rates.
Check your credit score and ask about discounts. If you have a good credit score (below 590), most insurance companies will give you a discount on your policy—sometimes as much as 20%. And if you've never been in an accident, some insurers may offer additional savings on top of this.
Get a safe driver discount—and ask about it again. Some states require all insurers to offer a safe driver discount to customers who maintain good driving records without any accidents or moving violations within three years of applying for coverage; other states don't enforce this requirement but still require insurers to offer some type of reward if they're available in that state. To find out what types of rewards are available where you live, check with each individual company before shopping around: often times there'll be one or two carriers that won't offer any safe driver discounts at all because they aren't legally required to do so (and therefore don't want to get into trouble).
Does Credit Matter With Insurance?
Yes, your credit score is a factor in determining your auto insurance rates. However, it's not the only factor, and there are ways to improve your credit score if it's not currently on par with what you want.
The best way to save money on auto insurance? Read on!
Conclusion
This is a great time to shop around for car insurance. It’s important to find the best deal for your needs, and if you’re not sure where to start, we can help! Our friendly agents are ready to answer any questions you have about auto insurance coverage.
0 Comments
<<Previous

    Contact Us

    (843) 707-4473
    8 Buckingham Plantation Dr
    Bluffton, SC 29910
    Click Here to Email Us

    Archives

    September 2023
    August 2023
    June 2023
    April 2023
    March 2023
    February 2023
    January 2023
    October 2022
    September 2022
    July 2022
    June 2022
    May 2022
    April 2022
    February 2022
    November 2021
    October 2021

    Categories

    All
    Accident Insurance
    Affordable Morcycle Insurance
    AOP Deductible
    Auto Insurance
    Beaufort
    Beaufort County
    Benefits Of Life Insurance
    Best Motorcycle Insurance
    Bluffton
    BOP
    Buford
    Business Auto
    Business Auto Insurance
    Business Auto Policy
    Business Insurance
    Business Interruption Insurance
    Business Owner
    Business Owners Policy
    Business Vehicles
    Cancer Insurance
    Car Insurance
    Cash Value
    Claims
    Claims History
    Coastal Insurance
    Collision Coverage
    Commercial Auto Insurance
    Commercial Auto Insurance Coverage
    Commercial Auto Insurance Policy
    Commercial Auto Policy
    Commercial Flood
    Commercial Flood Insurance
    Commercial Flood Policy
    Commercial Insurance
    Commercial Package Insurance
    Commercial Policy
    Commercial Property Insurance
    Commercial Umbrella Insurance
    Company Vehicle
    Comprehensive Coverage
    Cost Of Insurance
    Cost Of Life Insurance
    Coverage Options
    Covered Claim
    Covered Peril
    Credit Score
    Current Policy
    Cyber Insurance
    Cyber Liability Insurance
    Death Benefit
    Deductible Options
    Dental Insurance
    Department Of Insurance
    Directors And Officers Liability Insurance
    Disability Insurance
    D&O Insurance
    Emergency Fund
    Emergency Management
    Employee Benefits
    Employee Benefits Package
    Employment Practices Liability Insurance
    EPLI Insurance
    Extensive Damage
    Fair Access To
    Family Protection
    FAQs
    Federal Emergency Management Agency
    FEMA
    FEMA Flood
    Financial
    Financial Protection
    Financial Stability
    Flood
    Flood Insurance
    Flood Insurance Policy
    Flood Policy
    Flowery Branch
    Frequent Claims
    Full Coverage
    Funeral Costs
    Funeral Expenses
    Gainesville
    General Liability Insurance
    Georgia
    Georgia Insurance
    Group Health Insurance
    Group Health Insurance Bluffton
    Group Health Insurance Buford
    Group Health Insurance Flowery Branch
    Group Health Insurance Hilton Head
    GSP Insurance Group
    Gwinnett
    Hail Damage
    Hail Deductibles
    Hail Storm
    Hardeeville
    High-Risk Area
    High Risk Areas
    High-Risk Areas
    High-Risk Pool
    Hilton Head
    Home Insurance
    Home Insurance Non Renewal
    Home Insurance Non-Renewal
    Homeowners Insurance
    Homeowners Insurance Company
    Homeowners Insurance Policies
    Homeowners Insurance Policy
    Homeowners Insurance Provider
    Homeowners Nonrenewal
    Homeowners Policy
    How Much Should I Pay For Home Insurance
    Hurricane
    Hurricane Deductibles
    Hurricane Season 2022
    Independent Agent
    Insurance
    Insurance Agency
    Insurance Agents
    Insurance Carrier
    Insurance Claim
    Insurance Claim History
    Insurance Claims
    Insurance Companies
    Insurance Company
    Insurance COntract
    Insurance Coverage
    Insurance Deductible
    Insurance Georgia
    Insurance Moratorium
    Insurance Nonrenewal
    Insurance Policies
    Insurance Premium
    Insurance Premiums
    Insurance Provider
    Insurance Rating
    Insurance Score
    Insurance South Carolina
    Jasper
    Jasper County
    Key Man
    Landlord Insurance
    Lapse In Coverage
    Liability Coverage
    Life Insurance
    Life Insurance Company
    Life Insurance Georgia
    Life Insurance Options
    Life Insurance Policy
    Life Insurance Premiums
    Life Insurance South Carolina
    Living Benefits
    Local
    Log Term Care
    Long Term Disability Insurance
    Lowcountry
    Mortgage Lender
    Mortgage Payments
    Motorcycle Insurance
    Motorcycle Insurance Near Me
    Motorcycle Insurance Tips
    National Flood Insurance Program
    Natural Disaster
    Natural Disasters
    NFIP
    Non-Renewal Notice
    Nonrenewal Notice
    Okatie
    Peace Of Mind
    Permanent Life Insurance
    Permanent Life Insurance Policies
    Personal Auto Insurance
    Personal Auto Insurance Policy
    Personal Auto Policy
    Personal Insurance
    Personal Property
    Personal Vehicle
    Physical Damage
    Pocket Costs
    Pocket Expenses
    Private Flood
    Private Flood Insurance
    Product Liability Insurance
    Property Damage
    Property Insurance
    Property Owner
    Property Tax
    Rental Insurance Benefits
    Renters Insurance
    Renters Insurance Cost
    Risk Exposure
    Safety
    Safety Net
    Savannah
    Separate Deductible
    Separate Policy
    Severe Weather
    Short Term Disability Insurance
    South Carolina
    South Carolina.
    South Carolina Employee Benefits
    South Carolina Employee Benefits Broker
    South Carolina Insurance
    South Carolina Life Insurance
    Standard Deductible
    Standard Deductibles
    Storm Deductibles
    Strong Winds
    Term Insurance
    Term Life Insurance
    Term Life Policy
    TIV
    Total Insured Value
    Tropical Storm
    Tropical Storms
    Type Of Life Insurance
    Types Of Life Insurance
    Umbrella Insurance
    Universal Life
    Variety Of Reasons
    Vision Insurance
    Voluntary Benefits
    Wind Pool
    Work Comp
    Work Comp Insurance
    Workers Compensation Insurance

    RSS Feed

We work with 50+ carriers for Home, Auto, Life, Business, Employee Benefits and more.


Navigation

Homepage
Insurance Quotes
Insurance Products
Terms and Conditions
Privacy Policy
Contact Us
Agent Login

Connect With Us

Share This Page

South Carolina Headquarters

Main: (843) 707-4473
Toll Free: (833) 414-3040 
​​8 Buckingham Plantation Drive
Bluffton, SC 29910

Georgia Location

Main: (470) 589-4131
Toll Free: (833) 414-3040                               115 East Main Street, A1B-6P
Buford, GA 30518
Blufton, SC photo by Mike Tilley | CC-BY-3.0 | Website by InsuranceSplash