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Lexington, SC 29072

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Tag: lexington

Lexington’s Top Home Insurance Mistakes: Are You Making Them?

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Homeownership in Lexington, SC comes with its fair share of responsibilities, and one of the most important is ensuring your home insurance policy is up to date and comprehensive. Unfortunately, many homeowners unknowingly make mistakes with their insurance coverage, leaving them vulnerable to financial loss when disaster strikes. At Stedman Group, Inc., we’re here to help Lexington residents avoid these common pitfalls and protect their homes with confidence.

1. Underestimating Your Coverage Needs

One of the most common mistakes Lexington homeowners make is underestimating how much coverage they actually need. Many people assume their policy will cover the full cost of rebuilding their home, but that’s not always the case. Factors like rising construction costs, inflation, and upgrades to your property can leave you underinsured. To avoid this mistake, it’s essential to review your policy regularly and ensure it reflects the current value of your home.

2. Ignoring Flood Insurance

Lexington’s proximity to rivers and lakes means flooding is a real risk, even for homes outside designated flood zones. Unfortunately, standard home insurance policies don’t cover flood damage, leaving many homeowners unprotected. At Stedman Group, Inc., we recommend adding a separate flood insurance policy to safeguard your home against water-related disasters.

3. Forgetting About Personal Belongings

While most home insurance policies include coverage for personal belongings, many Lexington homeowners fail to account for the full value of their possessions. Items like jewelry, electronics, and collectibles may require additional coverage to ensure they’re fully protected. Conducting a home inventory and updating your policy accordingly can help you avoid this costly mistake.

4. Overlooking Liability Coverage

Liability coverage is often an afterthought for homeowners, but it’s a critical part of your policy. Whether it’s a guest slipping on your porch or a neighbor’s property damaged by a fallen tree, liability claims can quickly add up. Make sure your policy includes adequate liability coverage to protect you from unexpected legal and medical expenses.

5. Not Reviewing Your Policy Annually

Life changes, and so do your insurance needs. Whether you’ve renovated your home, added a swimming pool, or purchased expensive new furniture, failing to update your policy can leave you underinsured. At Stedman Group, Inc., we recommend reviewing your home insurance policy annually to ensure it reflects your current situation.

How to Avoid These Mistakes

Protecting your home starts with understanding your policy and working with a trusted insurance provider. Here are a few tips to help you avoid common home insurance mistakes:

  • Conduct a Home Inventory: Document your belongings and their value to ensure they’re covered.
  • Ask About Add-Ons: Consider additional coverage for floods, high-value items, or liability risks.
  • Work with Local Experts: At Stedman Group, Inc., we understand the unique risks Lexington homeowners face and can help you find the right coverage.

Why Choose Stedman Group, Inc.?

At Stedman Group, Inc., we’re proud to serve the Lexington, SC community. Our team is dedicated to helping homeowners avoid common insurance mistakes and find policies that provide comprehensive protection. Whether you’re a first-time homeowner or have lived in Lexington for years, we’re here to ensure your home is covered against life’s unexpected events.

Don’t wait until it’s too late. Contact us today at Stedman Group, Inc. to review your home insurance policy and make sure you’re fully protected. Let’s work together to safeguard your home and your future!

Unusual Auto Insurance Claims in Lexington: From Deer Collisions to Hail Damage

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At the Stedman Group, Inc., located in the heart of Lexington, SC, we’ve seen our fair share of unusual auto insurance claims. From deer collisions to hail damage, our clients have experienced it all. These incidents may seem out of the ordinary, but they’re more common in Lexington than you might think.

Deer Collisions in Lexington

Lexington, SC, is known for its lush landscapes and abundant wildlife. While this makes for beautiful scenery, it can also lead to some unexpected encounters on the road. Deer collisions are surprisingly common, especially during the fall mating season. These accidents can cause significant damage to vehicles and occasionally result in personal injury.

Hail Damage and Auto Insurance

Another unusual claim we often see at the Stedman Group, Inc. involves hail damage. Lexington is no stranger to severe weather, and hailstorms can wreak havoc on unprotected vehicles. Hail can cause dents, cracked windshields, and other types of damage that can be costly to repair.

Preparing for the Unexpected

While these incidents may seem unusual, they underscore the importance of comprehensive auto insurance coverage. At the Stedman Group, Inc., we’re committed to helping Lexington drivers understand their coverage options and prepare for the unexpected. Whether it’s a deer collision or hail damage, we’re here to help you navigate the claims process and get back on the road as quickly as possible.

Understanding Your Coverage with Stedman Group, Inc.

Unusual auto insurance claims may not be as rare as you think, especially in a place like Lexington, SC. At the Stedman Group, Inc., we’re here to help you understand your coverage and navigate the claims process, no matter how unusual the situation may be.

Please let me know if you need any further adjustments.

Umbrella Insurance: A Must-Have for Lexington’s Growing Families

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As your family grows in Lexington, SC, so do your responsibilities and potential liabilities. At Stedman Group, Inc., we believe that umbrella insurance is an essential tool for protecting your family’s future.

Understanding the Role of Umbrella Insurance

Umbrella insurance provides an extra layer of liability coverage above your standard insurance policies. It kicks in when the liability limits of your other policies have been reached, protecting your assets and future earnings from potential lawsuits.

Why Growing Families in Lexington Need Umbrella Insurance

From owning a home to having young drivers, growing families often face increased risks. Umbrella insurance can provide the necessary coverage to protect your family from potential financial setbacks, giving you peace of mind.

Why Choose Stedman Group, Inc.?

At Stedman Group, Inc., we understand the unique needs of growing families in Lexington. Our umbrella insurance policies are tailored to provide comprehensive coverage, ensuring your family can thrive no matter what life throws your way.

Secure Your Family’s Future with Stedman Group, Inc.

Don’t let unexpected events disrupt your family’s future. Secure your peace of mind with umbrella insurance from Stedman Group, Inc.. Contact us today to learn more about our umbrella insurance options and how we can help your Lexington family thrive.

What are Common Covered Perils Under Homeowners Insurance?

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Oklahoma residents are not required by law to obtain a homeowners insurance policy, but your lender will usually require it as a condition of the mortgage. Even if your home is paid for, it remains a good investment to safeguard your assets. 

Fires are a major cause of property damage, and a policy will often take care of expenses related to your home burning down. In situations where the house remains more or less intact, your items may still suffer loss due to exposure to smoke. Water from sprinkler systems or fire hoses can also wreak havoc, and your contents may be protected in these instances. Your 405 Insurance Advisors agent can provide specifics as to what would be included. 

Weather events may also cause harm when there are high winds, for example, ripping shingles off the roof or causing tree branches to fall. Tornadoes are another occurrence that is often responsible for launching projectiles through windows or otherwise threatening the integrity of your structure. Storms with heavy rain or hail are another commonly covered peril. 

Your home may be subject to burglary, putting your valuables in danger of being stolen, or your exterior could be targeted by vandals. Sometimes a vehicle can crash into your dwelling. 

Your roof can be impacted by snow or ice that remains on the surface, causing leaks or other issues. In addition, gases that occur naturally on the grounds, propane, or other elements can cause explosions. 

Contact 405 Insurance Advisors for Assistance

We work hard to provide our clients with an insurance package to suit their needs, and we serve those who reside in the state of Oklahoma. Please reach out to us by phone, online, or in person to discuss the specifics of your situation. 

Why work with Insurance Agency?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Servicing States

  • South Carolina
  • North Carolina
  • Georgia

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