As a Mount Pleasant homeowner, you understand how lovely your home is to you and your family. It is the key reason you should consider every option when buying a homeowner’s insurance cover. Here at Manning Insurance Service, we have protected South Carolina homeowners for decades as we’re constantly improving our rates to make your decision-making process satisfactory.
501 Wando Park Blvd.Suite 140-B
Mt. Pleasant, SC 29464
Phone 843-628-4032
What Does our Homeowner Insurance Cover?
The real estate market has changed drastically over the years. Any homeowner in South Carolina knows the expensive real estate markets and subsequent flooding of insurance companies. Since we have been in business for more than 15 years, we know the trends in Mount Pleasant and work with hundreds of insurance companies to come up with the best prices.
Our homeowner insurance policy depends on several factors. We insure against the median value of your house, location, personal belongings, and any extra options you choose to include.
The insurance coverage includes coverage for:
- Personal Property: This kind of coverage engulfs losses incurred from losing your personal belongings and covers every content in your home.
- Personal Liability: If you get someone injured due to your fault, this insurance will help you through personal liability coverage.
- Dwelling Coverage: This is the essential coverage in homeowner insurance as it can help rebuild your house in case of fire, storms, and other incidents. Other Structures coverage can be applied if you have additional structures like a garage, gazebo, deck, or playscape.
- Medical Payments: If someone visits you in your home and gets injured, this coverage can cater for the cost of ambulances, medical bills, and more.
Other extra homeowner insurance cover we offer at Manning Insurance include:
- Renters Insurance: Anything is rented out nowadays, from mobile homes, apartments to condos. It is important to insure anything you’re renting to protect your belongings. We offer renters insurance at affordable rates.
- Landlord Insurance Dwelling Policy: As a landlord, finding the best ways to protect your properties should be at the core of your concerns. Our dwelling policy coverage ensures that you are ready for any unexpected event. We evaluate the costs of your belongings and give an estimate of the loss of rental income.
- Condominium Coverage: Living in a condo can come with lots of perks, from low maintenance to easy access to amenities. However, you need premium condominium coverage to protect your things. Our Mount Pleasant Condominium Insurance covers lots of stuff, including interiors of your condo or personal belongings.
Mount Pleasant Car Insurance
Let’s be honest; car insurance has been misleadingly advertised as a common commodity where the lowest bidder gets the best solutions. There are hundreds of auto insurance companies in South Carolina, but we know you deserve better. While you may be a careful driver, accidents are unexpected, and they happen when you least expect them. Buying an auto insurance policy not only gives you peace of mind while driving but also steers you away from penalties from the state of South Carolina transport department.
What Does Our Auto Insurance Cover?
At Manning Insurance Service, we believe in a well-written auto insurance policy that is easy to comprehend. This is why we hire vetted staff to answer all your car insurance questions, including the different types of auto insurance. That said, here are some of the principal types of coverage that may be included in your Mount Pleasant car insurance policy:
Personal Injury Protection Coverage (PIP)
This kind of coverage caters to medical bills, funeral arrangements, replacement services, and rehabilitative expenses. It also caters to the loss of future income if you are incapacitated to work.
Collision and Comprehensive Coverages
A comprehensive coverage insures your car against accidents and other external forces such as theft, fire, vandalism, and flood. In addition, collision coverage insures your vehicle against damage during an accident.
Medical Payments Coverage
Medical Payments coverage covers all medical expenses up to a certain dollar limit for you and any other passengers injured in your car, no matter who’s fault it is.
Uninsured and underinsured Motorist (UM) Coverage
UM protection is a crucial coverage that allows you to get protection from owners of vehicles that are not insured or underinsured. It also protects you from assets not under any insurance policy and is guided by limits of bodily injury coverage offered by your insurance company.
Optional Coverage
In case you have an exquisite car model or any item or clause that’s beyond our normal coverage, this is what you need. The Optional Coverage is anything extra added to your car insurance plan, such as roadside assistance, towing, and others.
Standard and Non-Standard Insurance Policy
At Manning Insurance Service, we also write standard and non-standard car insurance policies.
A standard insurance policy is made to cover “preferred” and “super-preferred” drivers, which include:
- Drivers with few or no tickets/accidents
- Older drivers
- Drivers who have a record showing maturity
A non-standard insurance policy covers high-risk, non-standard drivers such as:
- Drivers with SR22s
- Young or new drivers
- Drivers with numerous tickets and/or accidents
- Drivers whose experience shows a lack of maturity
Join Our Long List Of Happy Customers!
One of the perks of signing up for Manning Insurance is the discounts. Yes, we care for all our Mount Pleasant, SC owners, and we have multi-policy deals. Plus, our certified insurance agents can help you find the best auto or homeowner insurance you need. In addition, we have a wide network of insurance companies, so our prices are definitely competitive. Plus, the staff at Manning Insurance asks for all details of your residential property or automobile to ensure you get only the best insurance policy in Mount Pleasant.
At Manning insurance, we sell peace of mind. Our experts know how to save your hard-earned money and investments by providing valuable insurance solutions. We cover all kinds of insurance for South Carolina residents, from condos to trucks.
We look forward to creating a long-term relationship with you, so don’t hesitate to make that bold decision and contact us for premium insurance services.