Your Insurance Agency

10/12/2026

08/19/2026

🍎✏️📚We hope all our friends here in Horry County heading back to school today the best first day ✏️📚🍎 Please share your back to school photos with us ✏️📚🍎

06/25/2026

🐶Your Insurance Might Not Cover Animal or Pet Incidents

Dog bite incidents are among the most costly animal‑related liability claims in the United States. According to the Insurance Information Institute, Homeowners insurers reported 28,450 dog‑bite claims in 2025, totaling $1,862 million in losses, a 25.6% increase in claims from the prior year. The average cost per dog bite claim reached $65,450, nearly double the 2016 level, driven by rising medical costs and higher legal judgments.

Because of this, whether you choose to allow dogs at your short-term rental or not, it’s important to look at your insurance policy to see if you are covered for animal/pet liability. Not all policies, including Homeowners, Landlord, and Commercial policies, cover pet liabilities, and/or they may specifically exclude certain dog breeds, dogs with a history of biting, and exotic animals from coverage.

🐾Understand Exclusions in Standard Policies

When you’re a landlord, you can verify the type of dog your renter has at your property. When you’re a homeowner, you understand the risks of your own dog and are knowledgeable about their breed. However, as a short-term rental property owner, you may not always take the extra steps to confirm the type of animal, breed, or bite history for every booking at your property.

It’s also important to keep in mind that, depending on the severity of the bite, the cost of the claim could vary widely. If your policy does not include pet liability, it will likely be up to the short-term rental business owner to pay the legal fees and any settlement costs out of pocket.

05/29/2026

Water damage and flood damage may sound similar, but they’re covered very differently 🌊

Many homeowners are surprised to learn that standard home insurance policies typically do not cover flood damage caused by rising water, storm surge, or runoff. And with flooding impacting communities far outside traditional flood zones, understanding your private flood coverage matters more than ever.

Learn how to close the gap with Orion180 before the water rises 🏠

04/30/2026

UPDATE: Golf Cart Permits and Temp. Plates are currently available in our branch offices as we have resolved the system issue.

We appreciate your patience.