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Stedman Insurance Group

109A Vista Oaks Dr
Lexington, SC 29072

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Why should someone get an umbrella insurance plan in South Carolina?

Managing personal liability risks should be a priority for everyone in the Lexington, SC area. If you want to reduce your liability risks, consider entering into a new umbrella insurance plan, which offers blanket support. There are many great reasons for someone here to obtain this coverage.

Be Prepared for Unexpected Situations

A very important reason to get an umbrella insurance plan in South Carolina is to ensure you are prepared for unexpected situations. There are numerous random liability risks that people face daily, many of which are not covered by standard insurance plans. When you have an umbrella insurance plan, you will have blanket coverage to protect you against many risks.

Support for Large Claims

An umbrella insurance plan is also helpful as it will provide coverage for larger claims. There are a lot of risks that you could be involved in an accident at home or on the road, which can cause significant damage. The damage can sometimes exceed your standard home or auto policies. Fortunately, with an umbrella insurance plan, you will get the additional coverage you need to ensure you can cover the costs, as it will provide support on top of your existing policies.

As you are looking for a proper umbrella insurance plan in the Lexington, SC area, you will want to ensure that you are speaking with someone familiar with this type of coverage. Call our team at Stedman Group for more information. Our professionals at Stedman Group know the value of this coverage and will ensure you remain appropriately covered.

What are Common Covered Perils Under Homeowners Insurance?

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