Personal Insurance
 Homeowners Protection
Buying a home is the biggest investment a family will ever make. That is why it is so important to have adequate coverage to protect your home. Gosnell Insurance & Associates carries many different policies that will fit your families needs. Policies we offer include protection against:
- Fire, smoke, explosion
- Lightning, wind, hail
- Riot, vandalism, civil commotion
- Theft, burglary, robbery
- Weight of snow, sleet and ice
- Busting of heating or hot water systems
- Scheduled personal property - jewelry, silverware, musical instruments, personal computers, watercraft, recreational vehicles and furs.
Personal Automobile
Besides homeowners insurance, automobile insurance is one of the most important coverages you will have. Also, most states require you to at least carry liability insurance. The agents at Gosnell Insurance and Associates will discuss the policy that is right for your circumstance. We offer coverages to suit most budgets and needs. Standard coverages we offer are: bodily injury, property damage, comprehensive, collision, medical payment.
Additional Coverages we offer:
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- Additional Expense Coverage
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- "Drive Other Cars" Coverage Extension
| Ask your agent about possible premium discounts for items such as:
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Multi-Car or Multi-Policy
Airbags
Safe Driver Record
Good Student Discount
Mature Driver Discount |
Gosnell Insurance and Associates would like to offer you these tips if you are involved in an auto accident.
- Stop immediately, but do not obstruct traffic.
- Assist injured. Have someone call police. Repeat after 5 minutes.
- Secure names, phone numbers, and addresses of other drivers, witnesses, and injured persons.
- Secure make, model, and license numbers of all cars involved.
- Make rough drawing of scene, showing position of cars and other details.
- Don't hastily accept claim settlements at scene of accident.
- Remain calm, courteous, and consistent in your version of accident.
- Notify your insurance agent as soon as possible.
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Flood
Your Homeowner's Policy Isn't Enough
Losses due to flooding are not covered under most homeowners policies. You can, however, protect your home and it contents through NFIP, if your community is participating in the program.
Flood insurance is available on almost any enclosed building and its contents. This includes homes, condominiums, mobile homes on foundations, businesses and farms. The contents of a rental unit are also insurable.
Flood insurance pays claims whether or not the government declares a disaster. Don't wait until disaster strikes. In most cases there is a waiting period before flood insurance coverage takes effect.
We can determine your liability and advise you of the requirements. We represent companies participating in the National Flood Insurance Program.
Personal Umbrella Liability
Soaring litigation in our society means you must take extra precaution to protect your family assests, your lifestyle.
A Personal Umbrella Liability policy is designed to protect you against soaring legal judgments. And if you are not at fault, the legal fees alone for defense can set you back for life.
This policy adds a million dollars (or more) to your present liability coverage. Your basic policy such as auto, home, boat, etc. provide liability insurance. But the limit of protection could be inadequate in the event of a large lawsuit.
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Do you own your own home?
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Do you participate in sport activites?
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Do you entertain or host parties?
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Do you drive an automobile?
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Do you own a boat or snowmobile?
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Do you own a pet?
An answer yes to any of these questions means you could be the target of a lawsuit which could cost you millions of dollars. Don't risk losing everything you own.
Ask us about a personal umbrella policy to provide the extra protection needed to prevent the loss of your lifestyle.
Many other optional coverages are available. Schedule an appointment today to speak with a Gosnell Insurance and Associates agent to find out which policy is right for you. (Some coverages not available in all states).
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Other coverages we write include but are not limited to are:
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Gosnell Insurance & Associates
925-F Wappoo Road * Charleston, SC 29407
P.O. Box 31059 * Charleston, SC 29417-1059
(843) 571-5044 * (800) 756-5105 * Fax (843) 763-2227
gosnell@gosnellins.com
Hours: 8:30am - 5:00 pm, Monday - Friday
Call us now or click here to Email us.
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