3 Reasons Getting a Life Insurance Policy Can’t Wait

For those who may be interested in purchasing a life insurance policy, there is no time like the present. Indeed, although the average person seems to believe they can wait until they’re near death to purchase a policy, that couldn’t be further from the truth. That said, for residents of Greenville, Easley, or Piedmont, SC, the following is a concise list of 3 reasons purchasing your life insurance policy can’t wait. 

Building Cash Value

Although many do not think of life insurance as a viable option for saving for the future, perhaps they should. Many are unaware of the fact that a whole life insurance policy can be a way to save and build cash value over time. This is cash that you still have access to in the case of an emergency. 

Affordable Coverage

Many prefer life insurance policies because they offer affordable coverage. Rather than having to pay these expenses all at once, a life insurance policy allows you to save and accumulate your desired amount over a period. 

Peace of Mind

Lastly, if you are worried about how your family will cover daily costs if you become sick or terminally ill, life insurance can offer some peace of mind. Rather than waiting until the rainy day occurs, by purchasing a life insurance policy today, you will be more than prepared if that day comes. 

Overall, for residents of Greenville, Easley, or Piedmont, SC, Cornerstone Insurance, LLC is an excellent option for securing life insurance coverage. Simply call, email, or stop by Cornerstone Insurance, LLC today to find out how you can begin your policy and hopefully save some money in the process. 

Why You Should Make a Home Inventory List

Unfortunate circumstances can happen to your home and your belongings unexpectedly. It’s a good idea to have a list of your items so you can expedite any claims that need to be filed after a fire, flood, or any other adverse event. In Piedmont, SC, the independent insurance agents at Cornerstone Insurance, LLC want you to understand the importance of having a home inventory list.

What Type of Inventory Should You Use

The first thing that you should do when you are thinking about creating a list of your possessions is to decide what type of inventory you should keep.

  • Digital Inventories – You can utilize online home inventory software. Some software programs will allow you to add photographs to each of your listed items. This type of list will be safeguarded in your online storage program. You can access it from any computer with internet capabilities.
  • Visual Inventories – Using a video camera to record all of the items in your home is a quick and easy way to identify your possessions. This video should be kept in a fireproof box or transferred to a digital storage system.
  • Printed Record – Create a complete record of your belongings and their value. This list can include big-ticket items, such as artwork and jewelry. You can also incorporate smaller money items like clothing and televisions. Developing a spreadsheet that includes the name of the item, date of purchase, and the price is a good way to begin your inventory. You should also include serial numbers and appraisal information.

If you’re in the Piedmont, SC neighborhood stop by Cornerstone Insurance, LLC. Our independent insurance agents can get you started with the information you’ ll need for your homeowners insurance and advise you on a home inventory list. They can also help you will other insurance needs, such as auto, life, health, and commercial policies even if you live outside of Piedmont in Greenville or Easley. We look forward to hearing from you!

Is A Video Inventory Helpful For Commercial Insurance Coverage in Piedmont SC?

Cornerstone Insurance LLC helps business owners in Piedmont, SC find ways to make their commercial insurance more affordable. Production and manufacturing companies often have millions of dollars of equipment on the premises that needs to be properly insured to protect the welfare of the business. For the business to be fully protected, the insurance company needs to know exactly what is on the premises. The equipment’s condition, age, and estimated value are all important pieces of information.

In addition to a written or printed list of the equipment you have on hand, you should also try to take an in-depth video inventory. A video inventory can show each machine in good working order as well as its overall condition. Videotaping the machine while it is in operation is also beneficial. Take a video of all hand-held tools as well. If it holds value and it needs to be insured, it should be videotaped. This includes all office equipment, various types of tools, vehicles, and any other items that are used in the day to day operations of the business. It is important that the video inventory matches the written inventory. The list should be checked and updated frequently. 

Business owners in and around the Piedmont, SC area can contact the agents of Cornerstone Insurance LLC for all of their commercial insurance needs. The agents can offer sound advice on what is needed to insure your business against financial loss in a proper manner. From a complete written list of equipment to a full video inventory, it is important to know exactly what you have that needs to be insured.

Our agents can help you gather that information and protect your business. Stop by our offices or give us a call to learn more.

Proof of Insurance Laws in the State of South Carolina

Every South Carolina driver is required to have an active auto insurance policy at all times, and they must show proof that they have one in place if they’ve been stopped by a police office or have been involved in an accident. If you’re not able to provide valid proof, you could get a ticket or go to jail. If you get a citation for not providing proper proof of insurance, you must present it to the DMV within 30 days, or they can suspend your license.

Providing Proof of Insurance During a Car Accident

If you were involved in a car accident and weren’t able to provide proof of insurance, the officer could give you a Notice of Requirement (FR-10), which requires you to provide proof that you had a policy in place at the time of the accident. It includes any incident that resulted in the following:

•    Injury
•    Death
•    Property damage

This form must be completed by your insurance carrier and sent to the DMV within 15 days of the accident, or your license and vehicle registration can be suspended. If you’re a registered uninsured motorist, you need to attach a statement to the form and send it to the listed address on the citation.

Where to Purchase South Carolina Auto Insurance

If you live in Piedmont, SC, Cornerstone Insurance LLC is the choice for you. We have experienced agents who can help you find a policy that will comply with state requirements, and we’ll make sure it will meet your needs as well as fit your budget. There’s no reason why you shouldn’t have an active auto insurance policy to cover you in the case of an accident. Contact our office at Cornerstone Insurance LLC in Piedmont, SC to find out how we can help you with your insurance needs!

Reasons to have insurance in Piedmont, SC

Piedmont, South Carolina is located in the middle of the state, right beside the city of Greenville and the Chattahoochee National Forest. Everyone who lives there will probably need an insurance policy of some kind, whether they are driving a car, have a house or are just living out their days in this small South Carolina town. Below are some of the reasons someone may want to have an insurance policy in Piedmont SC, through a local broker like Cornerstone Insurance LLC.

HURRICANE INSURANCE

As Piedmont, SC is located right in the center of where hurricanes hit the Southeastern United States every year, having hurricane insurance is a real necessity. While Piedmont is a few hundred miles from the Atlantic Ocean and wouldn’t necessarily catch the worst of the gale force winds of a hurricane, it could still suffer terrible damage by the storm once it makes landfall. So if a hurricane manages to score a direct hit on Piedmont, SC, hurricane insurance will be the difference between being able to rebuild and not being able to rebuild.

FLOOD INSURANCE

The Saluda River runs right through the middle of Piedmont SC and when there are heavy rains the river will swell and flood. If you happen to live near it, or near any feeder creek or stream, your property or business could be in danger of flooding, which could cost you everything. So having flood insurance through a local broker like Cornerstone Insurance, LLC is pretty important when you are living in Piedmont.

CAR INSURANCE

You will almost definitely need car insurance if you plan on driving around Piedmont, SC or the South Carolina area. You will need at least liability insurance in the event you have an accident and collide with someone so that any damage can be paid for by your insurance company. If you don’t have this, you can’t legally drive in the state. So make sure you are covered by whatever insurance you need today.

Consider These Auto Insurance Add Ons

Whether you live in Piedmont, SC or somewhere else in the area, protecting your vehicle is important. Your vehicle is a necessary investment that helps get you to the grocery store, job, and other activities. At Cornerstone Insurance LLC we are here to help you save money and to select the right auto insurance for your vehicle. Here are some auto insurance add-ons you need to consider for your vehicle. 

Uninsured Motorist Insurance

Getting in an accident is frustrating. Finding out the other driver was driving illegally without auto insurance takes that frustration to an entirely different level. To protect yourself from this sort of a situation, it is a good idea to invest in uninsured motorist insurance. 

Roadside Assistance

Whether you run out of gas, pop a tire or have a dead car battery, dealing with these kinds of car problems can set you back hours. With roadside assistance, a local vehicle service can come out and help you with your vehicle. Towing is even included if you need it. Without roadside assistance, towing companies charge a flat fee and a by the mile fee, which quickly adds up. 

PIP 

Also known as Personal Injury Protection, this kind of insurance covers a wide range of expenses, including medical expenses for the driver. This can help cover the rest of your expenses that health insurance doesn’t cover. 

No matter the make or model of your vehicle, you need to select the right auto insurance add-ons for your price point and your vehicle. At Cornerstone Insurance LLC, we are here to assist you every step of the way. It doesn’t matter if you live in Piedmont, SC or somewhere else in the state, having the right auto insurance can save you money and your vehicle. 

Piedmont, SC Residents: Don’t Let a Lack of Home Insurance do you in

The world can be a very scary place, especially for people who are only just getting their feet wet in home ownership. Not only do you have to have the money to make home ownership a viable prospect, but you also need to be as informed as you possibly can be in the process of doing it right. At Cornerstone Insurance LLC, we have all too often seen new homeowners (and in fact, some older homeowners even!) think that they do not need to have home insurance to reliably have a good life. In fact, they see it as a boon! They get the mindset that the things that happen to homeowners will not happen to them, that they will be careful (somehow you can carefully avoid a tornado). On top of all that, they can also save a bit of money by not having to pay for an insurance plan for their home. Unfortunately, reality does not work like that.

There are simply too many things that are not in your control. Sure, you can get a security system to protect from a home invasion, but as mentioned above, what do you do when there is a tornado, or even just powerful winds, or a hurricane? You can take all of the precautions that you like, but at the end of the day, chaos often wins versus preparation. A Piedmont, SC homeowner, is no more or less protected from this rule than a homeowner anywhere else.

There are a lot of hurdles that you have to clear in life; you should not let a lack of home insurance be one of them. Before you trip on that hurdle, residents of Piedmont, SC should contact Cornerstone Insurance LLC online today so we can help you get everything in order and find a home insurance policy that works on your terms.

A Vacation Checklist for South Carolina Homeowners

The last thing in the world that you want is to come home from vacation and find that your home has been burgled, or that it’s flooded, or that it’s burned down in an electrical fire. There are a lot of little things that are no big deal if you’re there to catch them while they’re happening, but when nobody’s there to shut the water off to stop a leaky pipe, you could be looking at some very expensive water damage and mold. Here’s a quick checklist to keep your Piedmont, SC home safe while you’re out of town:

  • Shut everything off. This means water, electricity, gas. You want to go find all those switches and make sure everything is turned off. If you’re going to be gone for a month or longer, you can also talk to your service providers about paying less for internet and cable by having it turned off while you’re gone.
  • Install whatever it is that you need to install this season. If you won’t be around to put the storm windows up once the storms start, you’ll want to pop them in early.
  • Burglar-proof your home. This means putting your newspaper subscription on pause, and informing your neighbor that you won’t be home, so if someone’s in your house making noise, it’s not you.
  • Padlock whatever you need to padlock. Piedmont, SC isn’t the most dangerous town in the state, but a padlock on your garage door and your tool shed can offer you a nice bit of peace of mind so you don’t need to make a claim on your Cornerstone Insurance LLC policy.

By getting the right policy through Cornerstone Insurance LLC you can protect yourself against the unforeseeable, but reimbursement is no substitute for prevention.

Ways to Save on Heating Expenses

You may not even know it but in Piedmont, SC, you may be spending a lot more each winter on your heating expenses than you should be. You may even be throwing your money away. There are easy ways to prevent this during the winter so you can stay warm and save money on your heating. Use these tips to ensure you are getting the most from your money. 

Get Your Heater Checked

You may not have used your heater in almost a year and you should not simply expect it to work precisely as you left it. A lot can happen in a year when it is not in use. Before it gets too cold, you should schedule regular maintenance on your heater to make sure everything is running smoothly. You should do this at least once a year to make sure it remains efficient as well as prevent bigger, more costly problems. 

Check Your Weatherstripping

Weatherstripping is all around your home at your entryways. It is designed to keep your temperature controlled air in while you keep the more extreme temps out. You may not even know it but your money may be escaping here. If your weatherstripping is old or you can see the outside through the sides when doors are shut, you need to replace it. This can help keep your heat inside and also prevent your heater from working harder to keep up. 

You should always have a home insurance policy as a homeowner to protect your home. If you do not have one in Piedmont, SC, be sure to contact our office. We can help you find the perfect policy that will meet your needs as well as fit into your budget. Call Cornerstone Insurance LLC or stop in today for a quote. 

5 Smart Ways to Prepare for a Hurricane

If you live in an area that’s prone to severe storms or hurricanes, it’s wise to prepare in advance for inclement weather during that season. Insuring your property with Cornerstone Insurance LLC in Piedmont, SC, is the first step toward protecting your investment. Additional measures you can take include: 

Evacuation Prep 

Having an evacuation plan could save your life during a hurricane. You should know where you can go and how to get there in the event of a storm surge. Becoming familiar with evacuation routes and storm shelters in your area can save valuable time in reaching safety during a hurricane.

Extra Supplies 

People who live in a hurricane zone should keep such essentials as extra food and water, blankets, flashlight with batteries and a well-stocked first aid kit on hand in preparation for a hurricane. If you have time to evacuate, bring these supplies with you to the nearest shelter for personal use or to help others in need.  

Home Insurance Coverage

Flood insurance is a must for people living in a hurricane zone. By discussing flood insurance options with your Cornerstone Insurance LLC representative in Piedmont, SC, you can ensure your property is protected in the event of flood damage. Floods can occur inland just as much as along the coast due to heavy rains. Smart homeowners will be prepared with adequate insurance coverage.

Home Repairs

Keeping up with structural repairs to include upgrading old windows, repairing broken glass, replacing worn shingles on the roof, etc., will reduce the risk of water leaking into a home during a storm and causing water damage.

Important Documents

Make sure to secure important documents to include the home deed, car registration, insurance papers, etc. in a safe place that’s easily accessible in the event of an evacuation. These documents will be necessary for making an insurance claim, if needed, after a hurricane.