Insurance Bennettsville SC

Insurance Bennettsville SC – A Quick Reference on Insurance

Having an independent agent on your side also means having a personal, unbiased advocate working for you in claims situations. When you work with Midgley Insurance, take comfort in knowing our trusted experts are truly committed to your protection and best interests.

Auto

From the vehicle you drive every day to the collector’s car you baby, our strong partnerships with insurance carriers allow us to pass along preferred pricing to you. You may also receive additional discounts for insuring your auto and home together.

Toys

Toys need insurance, too. Our recreational vehicle coverage is customizable and includes boats, motorcycles, RVs, snowmobiles, ATVs and more.

Homeowners

When the unforeseen strikes, service and responsiveness become as important as the dollar value of your coverage. Here you get both: the right policies and experienced insurance specialists you can count on when you need them the most. Our policies cover primary and vacation homes as well as the possessions inside them, and can provide extras like identity theft coverage, sewer and drain backup protection, and guaranteed replacement.

 

Flood

Did you know that homeowners insurance policies don’t cover flood damage? Designed to help you “get back on your feet,” flood insurance can help pay for basement clean up and for replacing items like boilers, furnaces, hot water heaters and air conditioners. If you live in a hazardous floodplain, it’s likely you’ll be required to purchase flood insurance. Although, flood insurance is a good idea for every homeowner since about 25% of the National Flood Insurance Program’s claims come from outside high-risk flood areas.

For more information about flood insurance, visit FEMA’s website.

 

Renters

Your landlord may take care of a lot of things, but insuring your belongings isn’t one of them. Our trusted professionals protect your personal property from damage and theft by partnering with top insurance companies offering the best options and competitive pricing.

 

 

Valuables

Jewelry. Art. Collections. Firearms. Coverage for your prized possessions may exceed the limits of your homeowners or renters policies. Our experienced professionals have built relationships with leading insurance companies to ensure your most valued treasures are fully insured.

 

 

Umbrella

As the name implies, umbrella insurance exists to provide additional coverage at the times when you most need it. Often thought of as a personal excess liability policy, it provides increased insurance protection above and beyond your auto and home insurance limits. We know that just one lawsuit can cost hundreds of thousands of dollars, which is why our carriers also cover legal defense costs.

 

 

Life

The benefits of a well-structured life insurance policy are two-fold: it can provide death benefit protection for those who depend on you and also supplement your retirement income. We’ll help you put together the best term-or whole-life policy to create a strategy that works for your individual circumstances.

Immediate Issue Insurance

A quick and simple option that allows you to find out if you qualify immediately.

  • No medical exam – just a few health questions
  • Insurance coverage up to $250,000
  • Coverage cannot be cancelled as long as premiums are paid

OR

Fully-Underwritten Insurance

A fully-underwritten policy may be more appropriate if you don’t qualify for an immediate issue policy or if you need more flexibility.

  • Terms greater than 20 years
  • Coverage greater than $250,000
  • Medical exam required

 

Long Term Care

Don’t overlook your own protection. Long term care provides assistance when someone can no longer care for him/herself due to a physical or cognitive impairment. Not typically covered by health or disability insurance, it’s coverage designed to protect retirement savings, lend financial support and preserve independence.

 

Disability

True long term vision is one of the greatest benefits of being a strong family-owned company. Let us put that vision to work for you by creating a plan for protecting your future. Our disability insurance services include estimating income needs, reviewing estate and transfer tax liability, and investigating long term care solutions for your specific needs.

 

Health

Staying healthy without breaking the bank is an important balance to maintain. Whether you need coverage for yourself or your family, we have a variety of health insurance options to choose from.