Importance of Auto Insurance in South Carolina

Going without auto insurance isn’t an option for Rock Hill, SC drivers. South Carolina requires that drivers have minimum liability insurance coverage. This is the coverage that pays for injuries and property damage of others in accidents you cause. However, liability alone won’t fully protect you from accidents, breakdowns, and other mishaps on the road. At Will Johnson Insurance Agency, we recommend the following additional coverage to keep you safe on the road.

Collision

Collision coverage helps pay for repairs to your vehicle if you collide with another vehicle or a stationary object like a tree, wall, or telephone pole. Even if you’re a careful driver, there’s always the risk of collisions on slippery roads. This coverage can save you from paying hefty vehicle repairs due to a collision accident.

Comprehensive

Comprehensive coverage protects you against vehicle theft and helps pay for damage to your car from non-collision causes. This could be anything from falling objects to weather damage to vandalism. Unless you have extra funds in your budget to cover these repairs, you will do well to purchase this coverage.

Uninsured Motorist

If you’re hit by another driver who doesn’t have insurance or has insufficient coverage to pay for damage to your car, uninsured motorist coverage will pay these costs. It also covers damage caused by a hit and run driver.

Roadside Assist

There may come a time when your vehicle falters, leaving you stranded in the city or on the highway. Roadside assistance covers towing costs to a local garage, so you’re not left out in the cold.  

By combining liability with collision, comprehensive, uninsured motorist, and roadside assist, you’ll have more accurate insurance protection on and off the road. For more information on auto insurance coverage and costs, contact Will Johnson Insurance Agency, serving residents in Rock Hill, SC.

How can I choose a commercial insurance policy?

When you are in the Fort Mill or Rock Hill, SC area, you may notice that the local market and economy can make it a great place to start a company. Businesses here will have a lot of opportunity for success and could be successful when they have a good plan and provide quality products or services. When looking to build a company here, you also need to have good insurance. There are several tips to follow that can help you choose a new commercial insurance policy. 

Consider Requirements

One factor to take into consideration is to consider your insurance requirements. A lot of businesses today will get started with the use of a bank loan or investor capital. Along with these financing solutions, you may also have insurance requirements. Due to this, it is important that you pick a policy that will offer you the coverage needed to stay in compliance with your insurance obligations. 

Consider Business Needs

Even if a lender or investor does not require you to carry insurance, you still need to get appropriate coverage. All business owners or managers need to spend time thinking about the unique risks of their business. In many cases, some of these risks can be mitigated by getting an appropriate insurance policy. You should carefully consider what you need in an insurance policy and pick one that provides your business with the right type of coverage. 

It is vital that you pick a quality commercial insurance policy when trying to grow your Rock Hill, SC company. When you are looking for insurance here, you should speak with the Will Johnson Insurance Agency team. The insurance professionals at the Will Johnson Insurance Agency will help you understand your needs to ensure you choose the best policy possible. 

What homeowners need to know about having a home office

Working from home is a dream come true for most Rock Hill, SC residents. You save a lot on fuel, lunch, and time. However, did you know that having a home office can take a toll on your home insurance rates? Well, depending on what you do in your office, you may need separate business insurance to protect your income-generating space. Insurance experts at Will Johnson Insurance Agency recommend speaking to your insurance agent to help you know how best to ensure your home office.

Be prepared with answers.

Before you sit down for a chat with your insurance provider, consider checking your insurance policy for business-related exclusions. This will help save time and energy. If you have already gone through your policy and are not sure about home office coverages, you can always enquire, but be prepared to answer the following:

  • Whether your home office has employees
  • Whether there are business-related meetings within your home or office
  • Whether you have clients or customers coming to your home
  • Whether there are vehicles or other equipment used in your office 
  • Is your home office the primary income generator?
  • Are there chances of customers suing you?

There are general exclusions for home offices.

Home insurance policies in Rock Hill, SC typically come with limits, especially regarding liability and property protection. That means your home insurance policy may not be adequate to cover your home office, especially if there documents, equipment, and business records. Most home insurance policies do not cover:

  • Data loss
  • Business records
  • Loss of income 
  • Injured employers in your home

Note that business equipment may be covered partially. Your insurance provider should have a specific limit for office equipment, but it is also essential to conduct some research about home office coverages.

For more information, questions, or quotes, feel free to speak to any insurance professional at Will Johnson Insurance Agency today!

Why do I need renters insurance

Renters’ insurance protections are similar to the protection homeowners have with their home policy. Landlords carry the insurance that protects the building itself, but as a renter, your property is yours to cover on your own. Things can go wrong in an instant. Hurricanes and tornados can rip through buildings, and nobody is safe from the ravages of fire. Renters insurance can make the difference between losing everything and being able to replace your possession or ending up with nothing. Will Johnson Insurance Agency in Rock Hill, SC offers expertise and exceptional customer service to residents of the area. 

Personal possessions

The thought of losing everything in your rental is pretty daunting. Furniture, clothing, electronics, and so much more would all be gone. Imagine having to try to replace everything that you own, all at one time, with the money you have in your wallet or savings account. It might be much more than you could afford to do. 

Liability coverage

Liability insurance offers you protection for your hard-earned assets. If someone is injured while visiting your rental or by a member of your family away from the rental, you could be sued. You also could be liable for medical expenses. This can mount up very quickly. Legal fees can also be quite crippling. All of these are covered up to the limit of your particular renters’ insurance policy. 

Loss of use

When a covered hazard happens, your rental may be severely damaged or destroyed. You will have nowhere to live. Renters insurance will pay for a hotel in the immediate aftermath and then later for a temporary rental until your place is given a certification of occupancy. This gives you one less thing to stress about. 

Suffering a loss is never fun, but if you have adequate renters insurance, you can be confident you will be taken care of. With a trusted insurance agent like Will Johnson Insurance Agency in Rock Hill, SC, you can have peace of mind. We are waiting to hear from you. Give us a call for a no-obligation quote.

Why Do You Need Motorcycle Insurance?

Motorcycle insurance is required in Rock Hill, SC, but there are other reasons why you may want to consider motorcycle insurance. While there are fewer motorcycles registered than cars, motorcycle riders are more likely to be killed in a collision. 

Motorcycle insurance can give you financial protection against claims filed by other parties if you cause an accident. If another party suffers injuries, and they can prove you were at fault, then the financial burden will be on your insurance company instead of you. Not only will motorcycle insurance pay for the damages, but it will also pay to defend you when claims are filed for property damage or bodily injury. 

Not only will motorcycle insurance protect you financially if you cause an accident, but it can also help pay for damages to your bike. There are optional coverages you can consider with your agent at Will Johnson Insurance Agency. Comprehensive insurance and collision insurance aren’t required in Rock Hill, SC. Still, they can be valuable if you want to replace your motorcycle after an accident or some other kind of damage. Medical payments coverage can help pay for your medical expenses for injuries you get due to an accident. Payments will be made no matter who is at fault for the accident. Even though motorcycle insurance is required, it doesn’t mean that everyone in the state is going to have it. Underinsured and uninsured insurance coverage protects you. If you are in an accident caused by someone who doesn’t have insurance or the coverage is insufficient, then this coverage gives you the compensation you need. If you have spent a lot of money and time customizing your motorcycle insurance, then you want to make sure it’s protected with additional coverage for accessories.  

Contact Will Johnson Insurance Agency to get a quote on motorcycle insurance.

Three mistakes to avoid when you purchase an RV insurance policy

It’s vital for RV owners to invest in the right RV insurance policy. We offer RV owners insurance coverage at Will Johnson Insurance Agency in Rock Hill, SC.

If you’re an RV owner on the market for the right insurance coverage, avoid making the following three mistakes. 

Buying only minimum coverage

By law, you only need to meet South Carolina state vehicle insurance requirements to drive legally. However, you shouldn’t assume that meeting minimum liability requirements means that you have enough coverage.

If you want to protect yourself financially, you should invest in added coverage. In particular, you should make sure that you have collision coverage because this type of coverage is not required by law. 

Not comparing offers among multiple insurance providers.

Quotes on RV insurance policies can range widely between different providers. This makes it important to shop around and compare offers.

Get a few different quotes on RV insurance policies. Then, compare them to see which policy offers the most value. 

Being unaware of add-on options

There are numerous add-on coverage options when it comes to RV insurance. Some of the add-on options you can consider are personal property and attachments coverage, vacation liability coverage, roadside assistance, and travel expense coverage.

Make sure that you familiarize yourself with all the add-on options available to you. Then, evaluate your unique situation and determine whether one of these add-on options is a good idea for optimizing your RV insurance coverage. 

We’re here to answer your questions if you are currently looking for the right RV insurance policy. Contact us at Will Johnson Insurance Agency to find reliable RV insurance coverage for your needs in Rock Hill, SC.

Does Motorcycle Insurance Cover Other Riders?

If you are about to get motorcycle insurance, you want to know as many details as possible. There may be an instance when you have someone ride on the back of your motorbike or let someone else use it. Be clear on how this is handled by insurance if there are any accidents or damage otherwise, such as the particulars with what’s offered by Will Johnson Insurance Agency of Rock Hill, SC.

How Motorcycle Insurance Works with Other Riders

First, it’s important to note that each agency deals with this matter in a different way. In general, a minimum motorcycle insurance policy will not cover any other riders. If you have additional coverage, it may apply to another rider if he or she is injured while a passenger on your bike. It is different if you lend your motorcycle to another person, and they crash it or become injured as a result of being hit.

Customize Your Insurance in South Carolina

The key here is that you should talk through your options and possible scenarios of which you may be at risk. For instance, you would have to get specific coverage terms for damages and injuries sustained by a passenger and/or someone who you plan to have use your motorbike. This is the only way you’ll have this type of coverage. The best strategy is never to assume what will be included and look into what the company offers.

Will Johnson Insurance Agency of the greater Rock Hill, SC area can assist you with your motorcycle insurance questions and concerns. Contact the office by phone during business hours or reach out through the online form at any time.

How Much Insurance Am I Required To Carry For My Boat?

Only three states in the union require that you carry insurance on your boat, and South Carolina is not one of them. So you’re not legally required to carry any coverage at all on your boat in Rock Hill, SC, but there are a lot more reasons to get covered than there are to go without insurance.

  • Most marinas won’t allow you to dock without insurance. When you’re out on the open water, you’re taking your chances with your property. But back at the dock, it’s not just your boat, but everyone else’s boat that you may be putting at risk with reckless driving. Most marinas will ask that you can cover any damages you might cause as you pull in and out.
  • There’s no guarantee that anyone who runs into you or damages your boat will carry insurance to pay for your end. In which case, you’ll be happy to have uninsured and underinsured driver insurance on your boating policy.
  • If something happens to your boat and you are not insured by a company like Will Johnson Insurance Agency, that’s it. You may have nobody to turn to to help pay for the damages or to replace the boat. If your boat sinks offshore and you’re charged with removing it, that’s going to come out of your pocket.

In other words, you may not be required by law to carry boating insurance in Rock Hill, SC, but you may effectively be required to carry insurance by marinas, and by the dictates of your own common sense. It’s legal to go without protection, but it’s not smart, so get in touch with Will Johnson Insurance Agency and see what we can do for you.

Three situations where you need umbrella insurance

Having adequate insurance coverage protects you from financial disasters. Unfortunately, a standard insurance policy isn’t always enough.

We offer umbrella insurance coverage for areas all over South Carolina at Will Johnson Insurance Agency in Rock Hill, SC. The following are three possible situations where you would need the added coverage that umbrella insurance provides.

You get in a vehicle accident where you are held liable for the severe injuries of another motorist or passenger.

Vehicle accidents can be one of the most expensive surprise expenses that come up. Vehicle insurance minimums don’t cover the entire potential costs of an expensive vehicle accident injury. Vehicle accident injuries can be exceptionally costly if a person suffers injuries to the point that they can no longer work. This could result in a settlement amount well over $1 million. 

You are sued because a guest on your property experiences a severe slip and fall injury.

A guest can slip and fall in a home and experience a severe injury. As with auto accidents, this type of injury, too, can be quite costly if it leads to loss of income. 

Your dog bites a guest on your property, and this leads to high medical bills.

Dog bite injuries can be very costly. Umbrella coverage could be an especially good idea for you if you are a dog owner. Depending on your dog breed, you might experience significant risk of having an accident. Your home insurance will need to cover damages caused by a dog bite, even if the incident occurs off of your property. 

Are you interested in learning more about umbrella insurance in Fort Mill or Rock Hill, SC? Contact us at Will Johnson Insurance Agency to figure out which of our umbrella insurance coverage options is best for your needs. 

3 Ways Your Key Fob Will Protect Your Vehicle

Today’s advanced technology makes it easy to protect your car even when you are several yards away. At Will Johnson Insurance Agency, the agents work hand in hand with their clients around South Carolina to provide them with the information on ways to protect themselves and their vehicles. The little key fob you carry has several uses, over and above, helping you find your car in a crowded parking lot.

Lock and Unlock Your Car From a Distance

Key fobs come with "lock" and "unlock" buttons so you can lock or unlock your car from a distance. If you can’t remember if you took the time to lock your car, simply pick up the key fob and hit the lock button until you hear your vehicle "beep" in response. It also eliminates the frustration of unlocking your car with a key.

Set Off Your Panic Alarm if Someone Tries to Break-In

If you see someone who is trying to gain access to your vehicle, set off the panic button. The loud noise will scare them away, and you can hit the lock button again to make sure your car is still secure.

Remote Start

During the cold winter months, use the remote start feature on your key fob to make sure your car is warm and ready to go before you take off in the morning.

At Will Johnson Insurance Agency, the agents understand it’s the little things that count. If you live in Rock Hill, SC, stop in and see an agent as soon as you can. They have all types of useful information you can use to keep both you and your vehicle safe and secure.