6 Reasons You Should Be Our Fan on Facebook!

#6   We post links to websites we think will be valuable to you, such as insurance and consumer tips!

Each day we search topics on some of the best informational websites such as the Wall Street Journal, the Insurance Information Institute, and the Insurance Journal just to name a few. We also look for consumer information such as car buying tips. We often link to pages that are just plain fun to read and explore, and we are always open to suggestions as to what pages we should frequent. After you “Like” our Facebook page, post your favorite website on our wall so we can explore it, too!

#5   We keep you up to date on the most current insurance industry information!

Keeping you in the loop on current events that may affect your insurance coverage is very important to us. Up to date information regarding South Carolina home Insurance, car Insurance, business Insurance, you name it – we will probably post about it. We also like to tell you the good stuff that is out there – like discounts you can benefit from when selecting your car insurance.

#4   We support our local businesses and charities and post different ways you can, too!

In addition to insuring many nonprofits across the state, our local economy is very important to us as well. We like to contribute to those that help others, and like to share if there are opportunities for others to help them. For example, Sistercare – which is a program of services for battered women and their children – posted that they are in need of old unwanted cell phones and we shared their Facebook post so that our Facebook friends could contribute if they wanted to. We also like to highlight different nonprofits each week so you our Facebook friends can get to know them! Of course, Ken and Brian like to golf so they participate in charity golf outings – and we like to post that information, too!

#3   We answer your insurance questions!

Post a question on our discussions page and a qualified agent will answer it directly. Whether you have questions about your homeowners insurance, business insurance, or Auto Insurance Myrtle Beach, we are ready to answer. Your question may make it into one of our FAQ videos that we will post as well! Have a question about something else? We will try to answer it but can’t promise that it will be right.

#2   We post a link to our updated blogs weekly with information you can’t miss!

We have our onsite blog written by Jodi, as well as an offsite blog that is updated by Ken. Whenever a new blog is posted, we link to it on Facebook. Our blog topics come from all over – travel tips, business insurance tips, hurricane survival tips, and tips on how to read your homeowners insurance policy. You never know what is next – so keep reading as they are sure to help you in some way or another.

#1   When we reach 450 fans we will give away a $100 gift card!

The deadline is October 30th! Here is what you do: “Like” our page by clicking the button below! Then, go to this link to sign up: http://www.beaconinsgroup.com/about-us/our-contest/.  Post our Facebook link as your status: ( https://www.facebook.com/pages/Beacon-Insurance-Group/134845256525816 ) and suggest that your friends check us out! Check our Facebook page daily to see if we have reached our goal! Once we reach our goal we will enter ALL of our Facebook Fans into a drawing and one lucky winner will win a $100 gift care!! Now GO! Tell your friends about us! (Note: When we reach 500 fans there will be a drawing for an iPad2!!)

Another Disaster Is Just Around The Corner!

Ok, maybe not, but you never know when a disaster could strike. We know that you have already looked at your South Carolina Home Insurance policy when the hurricane was headed this way, but what about inside your home? If your home gets destroyed, do you have an inventory of all your personal belongings?

I stumbled across this website from a fellow insurance company and felt it would be very valuable to our clients, as well as anyone who lives in an area that could be stricken by a disaster or even a theft. This website, Archive Your Home – www.archiveyourhome.com – allows you to enter and keep track of everything you own. You are able to enter receipts, pictures, and anything about the item you want. All of the items are stored in a database, and you have access just by logging in with your username and password.

The two biggest benefits of using Archive Your Home is that it will help you determine the correct amount of contents coverage you need on your insurance policy, and in turn could save you money. Also, in the event you need to make a claim, it could help to get it processed more easily and quickly since you will already have an inventory of your personal items.

Do you know the correct value of everything you own? Most people do not which is why they are turning to Archive Your Home to keep track. Let us know if you are interested in archiving your home and we will help you get started.

Beacon is here to answer your questions about your home insurance as well as your South Carolina Auto Insurance. Michele and Kris are ready to help you in the personal lines department; contact them if you have any questions! 877-321-8037

Your insurance policy was not written by an alien!

Hurricane Irene has passed us, and if you are like most of the people on the coast you have probably taken a second look at your homeowner’s insurance policy.   In hopes of reading, and understanding, what your policy covers, you quickly realize that it must have been written by an alien.   Fortunately, it was not, and we are here to help you understand what all those words mean and what your policy is made up of.

Homeowners policies may differ in actual structure; however, most contain the same basic components.

  • Declarations Page — Usually the first page of your homeowners insurance policy, it contains name and address of the insured, dollar amount of coverage in the policy, description of the insured property, cost of the insurance, name of the insurance company insuring the risk, and contact information.
  • Definitions — Clarifies terms used in the policy.
  • Insuring Agreement or Clause – Contains the insurers promise to pay.  Lists the parties to the contract, dates the policy is in place, and the description of coverage provided.
  • Coverage — Details the extent of protection for both property (house, structures, contents) and liability (bodily injury or property damage to others for which you are liable) in your homeowners insurance policy.
  • Conditions — Outlines the responsibilities of both the insured and insurance company under the policy. Your duties in the event of a loss, and also the procedures the company will follow to settle any losses, are detailed here.
  • Exclusions — Explanation of what and who are not covered.
  • Endorsements — Printed addendums to a contract that are used to change the policy’s original terms, conditions, or coverages.
    • A homeowners insurance policy can be very confusing – and so can your South Carolina Auto Insurance policy.   The limits vary widely, so it is important to understand the terms on your policy.  Please do not hesitate to give Beacon Insurance Group a call, or send an email, as our agents are extremely knowledgeable and here to help you with any questions you may have. We look forward to hearing from you!