Anderson sc Homeowners insurance

Get your home covered with the Anderson SC Homeowners Insurance you need.

Homeowners Insurance
 You have worked very hard to buy and pay for your home. You take pride in maintaining your single largest investment. NOW is the time to call Lawrence & Brownlee Insurance for a free homeowners insurance review. Our professional staff can be reached at (800) 804-0896, or locally at (864) 225-8222.

Lawrence & Brownlee Insurance has protected our clients with home insurance since 1912. Many changes have taken place in the insurance industry over the past 100 years. One thing has not changed, and that is our commitment to excellent service.

Protect Your Home With Homeowners Insurance

Change is inevitable. As your needs change, so should your homeowners insurance policy. You may have added a room, built a deck or storage building, or installed a swimming pool. Does your current home insurance policy reflect those changes? Maybe you have purchased jewelry, firearms, four-wheeler, or a boat. Do you have antiques or other collectibles? A standard home insurance policy may limit coverage for the above items or may not cover them at all.

Fire, tornado, theft or even a law suit can happen to anyone at any time. You want an experienced insurance professional to help you develop a homeowners insurance policy with companies rated “A” by A.M. Best. Don’t settle for a “cookie-cutter” home insurance policy. With over 80 years of combined insurance experience, the qualified staff at Lawrence & Brownlee Insurance will tailor a Home Insurance policy unique to your situation.

Is Your Home Insurance Policy Up To Date?

If you have not updated your homeowners insurance policy in several years, you could be missing out on some very valuable protection. Don’t wait for a loss to occur to find out your home insurance policy is outdated and won’t adequately cover your claim. There is nothing like having peace of mind that your home insurance policy is providing you with proper protection.

NOW is the time to make that important phone call to Lawrence & Brownlee Insurance at (800) 804-0896 or (864) 225-8222.

 

Coastal Home Insurance
Don’t expose your precious coastal property to more than just the elements. Make sure that your Anderson coastal property insurance shelters you from the financial costs of hazards unique to homes on the coast.

The reason you bought a home on the coast is because of its proximity to the ocean. Don’t let that dream turn into a nightmare.

You need coastal property insurance that can handle the variety of natural disasters unique to the coast. Hurricanes, rising tides, freak storms can all ruin your wonderful retreat. Fortunately, you can shelter yourself from the financial risk.

I am sure you are worried about the cost of a coastal property insurance policy in Anderson, South Carolina. Don’t be: it’s probably less than you think and will literally be a home-saver when disaster strikes.

Anderson Coastal property insurance is available to anyone who needs to insure a home located on or near the ocean. Typically these policies are specifically designed for your state, location and needs.

Two reasons to act right now:

  1. Recent law changes mean that you need to make sure your policy has all the latest updates.
  2. Just fill out this short form and we’ll get you a custom quote for coastal property insurance that will insure your house will survive a disaster.
Condo Insurance
As a Anderson condominium owner, you have many benefits but you are also exposed to unique risks. Unlike a single-family homeowner, you have a number of policies in force between your personal insurance and the community insurance. You need to make sure that this insurance overlaps so as not to let risk seep through the seams.

Because there are various policies in place, you need to make sure that you don’t overpay for unneeded insurance–already covered by the master insurance plan–and that you have extra liability insurance where the master insurance stops.

Your condo is in a communal setting but your condo insurance needs to be individual or your may be paying too much and you probably have great liability risk.

Worried about costs? Don’t be – Anderson condo insurance can be very affordable.

South Carolina Condo insurance is like a suit that needs to be individually tailored: if it’s too big then you overpay for what you don’t need and if it’s too small then you may expose yourself to lawsuits.

Anderson Condo insurance is available at reasonable rates to anyone who owns property in a development with joint property ownership. It is distinct from homeowner insurance because it works in conjunction with your association’s insurance policy.

Here are two reasons to act now!

  1. It is important for your protection to have your condominium insurance in place before any claims are made – not just from you but also from anyone else on the condominium property.
  2. We can provide you with a no-risk quote within a day. Just fill out this short form to get an inexpensive policy that will protect you and your home.
High Value Home Insurance
Even with a typical homeowners insurance policy, there’s a great risk you may not be able to replace your beautiful home if disaster strikes. Why? Your home’s market value is probably higher than what your current policy will cover.

High value home insurance closes the gap between regular home insurance replacement cost and your home’s actual value, allowing you to rebuild what you’ve lost.

The more your house is worth, the greater the difference will be between what your current policy may pay and what your precious home will cost to replace.

You’ll be surprised how affordable it is to cover your whole house with a Anderson high value home policy.

You may feel satisfied that your homeowner’s policy will protect you in case of a disaster but have you read the actual amount you will be compensated? Typically, the coverage is capped in two ways you may not realize: a maximum per-square-foot value and an overall maximum.

Anderson High value home insurance is available to most every homeowner that is concerned about covered replacement values. Typically, homes that are worth upwards of $200,000 should consider this insurance.

Here are two reasons to act now:

  1. Each day you wait exposes your family to great loss in case your home is struck with a disaster.
  2. A no-risk quote can give you immediate peace of mind that your home replacement costs will be covered. Just fill out this short form and we’ll show you how inexpensive this coverage is.
Renters Insurance

Do You Need Renters Insurance?

Thought you were covered by your landlord’s insurance? Think again. You’ll need renter’s insurance to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don’t be a statistic – get covered today!

Anderson Renters insurance assures you that you’re protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it’s not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Not only will Anderson renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Anderson Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person’s property (whether the incident occurred within your rented residence or elsewhere)

Once you determine your need for renters insurance, knowing your options will help you choose the best policy.

What’s covered in Anderson Renters Insurance?

Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can say “yes” to all of the above.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:

  • Personal Property Protection
  • Family Liability Protection
  • Guest Medical Protection
  • Additional Living Expenses
  • Additional Protection

Get a Anderson Renters Insurance Quote Today!

A 2006 poll conducted by the Insurance Research Council found that only 43% of renters nationwide had insurance – don’t be left in the dark without coverage. To tailor a renters insurance policy that’s right for you today, fill out the quick and easy Protection Savings Form below right now. An Lawrence & Brownlee Insurance expert will provide you with the best possible quote in no time.

Earthquake Insurance

A Flick of the Earthly Wrist

Rebuilding your home, replacing your possessions and starting over can be terrifying.

Have you ever done it? Not just a new job but a new life? It takes herculean will. And no guarantee exists that you will ever get back to the point you left. Chances are, it probably will be grim for a good while and it may end up worse.

Having to start over because an earthquake has destroyed your home means one other thing. You really will not be starting over. In fact, you will begin way behind the starting blocks. Because if your home is destroyed, you will still owe the mortgage. If you are still paying on destroyed possessions, that debt will not disappear, either.

It is amazing that just a flick of the 3 billion year old earth’s wrist has the power to discombobulate your 80 to 100 year life, but chances are it might.

Consider the following three facts:

  • There are 500,000 earthquakes each year
  • Human activity can trigger them
  • There is 70% chance of a 6.7 magnitude or higher occurring in the San Francisco Bay area in the next 40 years

The final, convincing fact is that if you cannot afford to rebuild your home, you need earthquake insurance.

So, rebuild with insurance money, not your own. Contact the insurance veterans at Lawrence & Brownlee Insurance for a free quote on Anderson earthquake insurance today.

Lawrence & Brownlee Insurance

The earthquake insurance experts at Lawrence & Brownlee Insurance in the Anderson area, will explain your protection options and give you all of the earthquake facts pertaining to our area.

Protect your family and your assets. Complete the Protection Savings Form today for a free, no obligation earthquake insurance quote. It’s the best way to protect yourself against the whims of nature.

Flood Insurance

Do Not Add to your Anguish

You have never seen rain like that in your neighborhood. Trees – thick trees – toppled on top of houses; stinking, filthy floodwater outside up to your ankles; rancid sewer water inside turning your stuff into sodden, wretched, worthless junk.

Three things: It happened so fast. This area had never been flooded before-  ever. You have no flood insurance.

However, your first thought among thousands, is what to do with your children?

Enormous Loss

Do not let yourself ever be placed in this position. Starting with a home displacement for an indefinite period of time to the enormous replacement costs, you have too much to lose.

In fact, loss due to flooding can be very expensive. A rule of thumb is that each inch of flooding will cost the unprotected over $7,000. The last thing you need are worries on how to pay for the flood damage. You do not want to add the anguish you already feel.

Contact Lawrence & Brownlee Insurance and receive a thorough education on how flood insurance works in Anderson. We will review what it covers (appliances and items inside the home) and what it does not (decks and items outside the home).

Lawrence & Brownlee Insurance Your Anderson Flood Insurance Expert

Anderson Flood insurance protection is meaningless after a flood. Plus, every flood insurance policy carries a 30 day waiting period before it can take effect. So act now!

At Lawrence & Brownlee Insurance we have insured the residents and business of Anderson from unpredictable flooding since 1912. It is one of the specialties of our agency. We will make sure we share all of our knowledge with you.

When you can minimize risk from flooding for such a small cost, you have to do it. You have to protect your family and your assets. Complete the Protection Savings Form today for a free quote. The flood insurance veterans at Lawrence & Brownlee Insurance will forever ease your fears of flooding.

Umbrella Insurance

They Want More Because You Have More

In our society, three things work against you:

  • It cost nothing to initiate a lawsuit
  • Juries and judges are unpredictable
  • Defending yourself costs enormous sums of money

One other factor also comes into play. They want more because you have it.

A long time ago, you decided to arrive. You worked hard and got there. As you did, you accumulated possessions. Not an ostentatious amount, but enough to make you and your loved ones comfortable.

You are proud of these accomplishments. In fact, you have protected them with the best insurance you could.

Now you need extra protection, an umbrella insurance policy.

What are your limits on your auto and home liability policies? $300,000? $500,000?

It’s not enough.

You get into an auto accident; someone falls into your pool; whatever the fluke occurrence – you can be sued. What if you are sued and the award goes to the plaintiff? Okay, you say, the insurance will cover it. But what if the amount is over the policy limits? (That happens, especially if you have nice things.)

How will you pay the judgment? How will you even defend yourself in such a lawsuit? Can you actually lose all you have strived for?

You bet you can.

You need protection that will rev up after the other policy limits are exhausted. You need Anderson umbrella insurance protection.

Contact us 864-225-8222, a seasoned insurance professional at Lawrence & Brownlee Insurance, in Anderson. Discover how a small cost provides you with gigantic protection.

Lawrence & Brownlee Insurance

At Lawrence & Brownlee Insurance we have provided umbrella protection for people in Anderson since 1912. We know how to protect your assets. Now you will too!

Complete the Protection Savings Form today for a free, no obligation umbrella protection quote. Don’t spend another sleepless night riddled with anxiety about losing all you have. Take out an umbrella!