http://www.davisandmasseyinsurance.com/blog/View Davis & Massey Insurance Agency's Website Blogen-uspostmaster@www.davisandmasseyinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:d5b07d72-cc91-4aff-8199-dae640e646c8urn:uuid:514f45f1-fcc7-437a-82e3-380f75d78c5cWhy do you think auto insurance in Myrtle Beach, SC cost more? &nbsp;We want to hear from you. &nbsp;Here are some of the reasons our customers gave. More of a chance for a comprehensive claim (hurricane damage). More teen or young drivers. ...Mon, 23 Jan 2012 19:47:02 -0600Why do you think auto insurance in Myrtle Beach, SC cost more? &nbsp;We want to hear from you. &nbsp;Here are some of the reasons our customers gave.<br /> <ul> <li>More of a chance for a comprehensive claim (hurricane damage).</li> <li>More teen or young drivers.</li> <li>Myrtle Beach is somewhat of a mini melting pot. &nbsp;Drivers from different parts of the country don't mesh well together.&nbsp;</li> <li>Tourists don't know where they are going.</li> <li>There are more older drivers (retirees).</li> <li>People have more violations because the police will pull you over for anything.</li> <li>There are lots of people driving late at night, especially during the summer.</li> </ul> &nbsp; &nbsp;Actually, the auto insurance premiums in Myrtle Beach are just a little above the median for the United States. &nbsp;While some of these things may be true, we cannot confirm how they affect the rates for auto insurance in Myrtle Beach. &nbsp;It really just comes down to that there are more accidents here than the average city. &nbsp; &nbsp;urn:uuid:58b6d394-e5c8-46c1-9a23-3e1947f49571<img src='http://www.davisandmasseyinsurance.com/img/~www.davisandmasseyinsurance.com/D%20&amp;%20M%20facebook%20logo.jpg' align='left' />Follow Davis &amp; Massey Insurance Agency, Inc. via social media.&nbsp; It is an easy way to keep up with Myrtle Beach insurance news and changes to our agency.&nbsp; We frequently post information about new insurance carriers that enter the market&...Wed, 11 Jan 2012 09:23:48 -0600<span style="font-size: 13px;">Follow Davis &amp; Massey Insurance Agency, Inc. via social media.&nbsp; It is an easy way to keep up with Myrtle Beach insurance news and changes to our agency.&nbsp; We frequently post information about new insurance carriers that enter the market&nbsp;and other important news.&nbsp;<br /> <br /> <a href="http://www.facebook.com/pages/Davis-Massey-Insurance-Agency-Inc/212339293168" target="_blank"><img alt="" width="90" height="25" style="width: 92px; height: 23px;" src="/img/~www.davisandmasseyinsurance.com/D%20&amp;%20M%20facebook%20logo.jpg" /></a>&nbsp;Visit our Facebook page.&nbsp; Make sure to "like" our page to keep up with us.<br /> <br /> <a href="http://www.manta.com/c/mt43p59/davis-massey-insurance-agency-inc" target="_blank"><img alt="" width="92" height="36" src="/img/~www.davisandmasseyinsurance.com/Manta%20Member%20logo.png" /></a>&nbsp;Check out our manta.com profile.&nbsp; You can follow us and even leave a recommendation.&nbsp;&nbsp;<br /> <br /> <a href="https://twitter.com/#!/DavisMasseyIns" target="_blank"><img alt="" width="94" height="45" style="width: 91px; height: 42px;" src="/img/~www.davisandmasseyinsurance.com/twitter%20logo.jpg" /></a>&nbsp;Follow our tweets to stay informed with the latest Davis &amp; Massey Insurance news.</span>urn:uuid:1376dd62-0280-4abd-b479-d031fb671d35To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by personal umbrella liability insurance.&nbsp; You may also even save on your&nbsp;homeowners policy by purchasing an umbrella po...Thu, 08 Dec 2011 09:18:24 -0600<span style="font-size: 13px;">To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by personal umbrella liability insurance.&nbsp; You may also even save on your&nbsp;homeowners policy by purchasing an umbrella policy with a multi-line discount. &nbsp;<br /> &nbsp;&nbsp; An&nbsp; umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.<br /> &nbsp;&nbsp; Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets&mdash;or your future earnings.<br /> </span><span style="font-size: 13px;">&nbsp;&nbsp; A&nbsp;lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, judgements can exceed net worth. Talk to&nbsp;one of our agents to determine what's right for you.<br /> </span>urn:uuid:af621e4e-f696-475a-9b47-fc33a42c92c5Almost every day someone asks us why the home insurance premiums in the Myrtle Beach area are more than other areas.&nbsp;&nbsp;We&nbsp; are actively writing insurance for all of South Carolina, so we see&nbsp;rates for many cities and towns in our s...Fri, 02 Dec 2011 09:44:10 -0600<span style="font-size: 13px;">Almost every day someone asks us why the home insurance premiums in the Myrtle Beach area are more than other areas.&nbsp;&nbsp;We&nbsp; are actively writing insurance for all of South Carolina, so we see&nbsp;rates for many cities and towns in our state.&nbsp; It is true that home insurance is typically more in&nbsp;Myrtle&nbsp;Beach and really in&nbsp;all of the coastal areas of South Carolina.&nbsp; <br /> &nbsp;&nbsp;The obvious reason is the proximity to the ocean and the probability of hurricane or wind damage.&nbsp;&nbsp;There&nbsp;simply is more of a likelihood that homes in the coastal areas will suffer from wind damage as compared to other ares of the state and that if there is damage it would be more severe.&nbsp; It may not happen this year or for several years (if we are lucky), but&nbsp;statistics show it will happen.&nbsp;&nbsp;So insurance carriers have to&nbsp;collect more premium because one day they will be paying it back out in the form of&nbsp;claims.&nbsp; <br /> &nbsp; Another factor, that is&nbsp;out of the carriers' control, is the cost of reinsurance.&nbsp;This factor&nbsp;affects property insurance carriers not only in coastal areas, but even all across the country.&nbsp; Insurance carriers purchase insurance themselves, called reinsurance, to protect them in case of a very large&nbsp;catastrophe or&nbsp;several catastrophes happening close together.&nbsp; Reinsurance is vital to a carrier's financial strength and the rates&nbsp;are often globally impacted.&nbsp; So&nbsp;insurance carriers must adjust their&nbsp;premiums to reflect the cost to purchase reinsurance.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br /> &nbsp;&nbsp;Also, many believe that the lack of competition leads to higher premium.&nbsp;&nbsp;Many insurance carriers have decided to stop writing new business or even non-renew home policies near the coast.&nbsp; Of the remaining companies, several will exclude wind and hail damage from their policy -&nbsp;basically forcing their customers to purchase wind and hail coverage through&nbsp;</span><a href="http://www.scwind.com" target="_blank"><span style="font-size: 13px;">SCWHUA</span></a><span style="font-size: 13px;"> (SC Wind Pool).&nbsp; There are only a handful left that will write the traditional Homeowner or Dwelling type policy that includes wind and hail.&nbsp; Now, this can be debated to wether or not this causes higher premiums.&nbsp; Some will say&nbsp;it definitely does, while other say that the market should not set the premiums but the statistics or cost of insurance should.<br /> </span><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</em>urn:uuid:d8dc1522-43a2-4558-8c61-0933aab217fcHomeowners Insurance in Myrtle Beach can be costly and sometimes hard to find.&nbsp;&nbsp;Here are some ways to help find Homeowners Insurance and possibly cut your premium substantially.&nbsp; SHOP AROUND.&nbsp; It may take some time, but this...Fri, 14 Oct 2011 12:37:30 -0500<p><span style="font-size: 13px;">Homeowners Insurance in Myrtle Beach can be costly and sometimes hard to find.&nbsp;&nbsp;Here are some ways to help find Homeowners Insurance and possibly cut your premium substantially.&nbsp; </span></p> <ul style="list-style-type: disc;"> <li><span style="font-size: 13px;">SHOP AROUND.&nbsp; It may take some time, but this could really pay off.&nbsp; Contact a local independent agency - they have the ability to shop multiply companies for you. </span></li> <li><span style="font-size: 13px;">CONSIDER RAISING YOUR DEDUCTIBLES.&nbsp; Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy.&nbsp; Generally the higher the deductible the more you can save on your premium.&nbsp; You should discuss the options with an insurance agent. </span></li> <li><span style="font-size: 13px;">GET COVERAGE BASED ON REPLACEMENT COST.&nbsp; The land under the home is not at risk from fire, hurricane, or other covered perils.&nbsp; So there is no need to include its value when deciding how much homeowners insurance to buy. </span></li> <li><span style="font-size: 13px;">BUY YOUR HOME AND AUTO POLICIES FROM THE SAME INSURER OR AGENCY.&nbsp; Lots of carriers offer discounts up to 15% off if you bundle your home and auto policies together.&nbsp; Just make sure that the combined price isn't more than buying them separately. </span></li> <li><span style="font-size: 13px;">MAINTAIN A GOOD CREDIT RECORD.&nbsp; Insurers are increasingly using credit information to price homeowners insurance policies.&nbsp; Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate. </span></li> <li><span style="font-size: 13px;">SEEK OUT OTHER DISCOUNTS.&nbsp; Ask your agent if there are any other discounts available.&nbsp; For example, some carriers offer discounts if you are retired, member of certain organizations, or have an alarm system. </span></li> <li><span style="font-size: 13px;">INQUIRE ABOUT PAST CLAIMS.&nbsp; Before you buy a home you should ask the current owner or real estate agent for details on any claims that may have occurred on the property.&nbsp; You can even request the CLUE (Comprehensive Loss Underwriting Exchange) report. </span></li> <li><span style="font-size: 13px;">MAKE YOUR HOME MORE DISASTER RESISTANT.&nbsp; Find out from your insurance agent what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials.&nbsp; Most newer homes in Myrtle Beach were built to code and will automatically qualify for some of these discounts.&nbsp; Older homes can sometimes be retrofitted. </span></li> </ul> <p><span style="font-size: 13px;">These are just some ways to save on Homeowners Insurance.&nbsp; The most important thing is to ask questions and talk to more than just one insurance professional.</span></p>urn:uuid:81cb2976-8891-4c14-8eff-6ca6e1dc7e18Great news!&nbsp; We are very excited to have recently been added to Dave Ramsey's ELP (Endorsed Local Providers) list.&nbsp;&nbsp;Being a Dave Ramsey ELP,&nbsp;Dave Ramsey&nbsp;acknowledges that Davis &amp; Massey Insurance&nbsp;Agency&nbsp;is profe...Thu, 25 Aug 2011 15:21:54 -0500<span style="font-size: 16px;"><span style="font-size: 13px;">Great news!&nbsp; We are very excited to have recently been added to Dave Ramsey's ELP (Endorsed Local Providers) list.&nbsp;&nbsp;Being a Dave Ramsey ELP,&nbsp;Dave Ramsey&nbsp;acknowledges that Davis &amp; Massey Insurance&nbsp;Agency&nbsp;is professional, local, and here to&nbsp;provide quality and competitive insurance products.&nbsp; Furthermore, since we have&nbsp;earned Dave Ramsey's endorsement -&nbsp;he holds our&nbsp;agency to higher standards.&nbsp;&nbsp;Customers that have found us through the ELP network have direct access to grade&nbsp;us based on their personal experience through surveys that Dave Ramsey provides.&nbsp; It is our goal to have 100% satisfaction&nbsp;for everyone that finds us through the ELP network as well&nbsp;as every customer we speak to.&nbsp; Feel free to visit Dave's website (</span><a href="http://www.daveramsey.com" target="_blank"><span style="font-size: 13px;">www.daveramsey.com</span></a><span style="font-size: 13px;">) or post a&nbsp;question here for more information.</span>&nbsp;&nbsp;<br /> &nbsp;</span>urn:uuid:f2a5ddb7-8a60-4e0e-9beb-ad5a6f41682cHurricane Irene currently has a projected path that possibly puts it on the South Carolina or North Carolina shore.&nbsp; It may be too late to place coverage on your property or increase coverage limits; however, it is not too late to be prepared.&n...Tue, 23 Aug 2011 13:30:00 -0500<p style="margin: 0in 0in 10pt;"><span style="font-size: 13px;">Hurricane Irene currently has a projected path that possibly puts it on the South Carolina or North Carolina shore.&nbsp; It may be too late to place coverage on your property or increase coverage limits; however, it is not too late to be prepared.&nbsp; Please keep an eye on the path of this hurricane and take the time to have your insurance and important documents ready in case you need to leave your home.&nbsp; Make sure to have essential food and household items if you plan to stay at home throughout the storm.&nbsp; Following the direction of local officials is always recommended -&nbsp;so if an evacuation is ordered please do not take it lightly.</span></p>urn:uuid:383e71fd-d9a9-40a5-8ce0-29a0a9406120We are pleased to announce that, in addition to our long list of carriers, we are now offering insurance products by Safeco.&nbsp;&nbsp;Safeco is an A rated company (by A.M. Best) offering Home, Auto, Boat, Motorcycle, and other lines of insurance in...Mon, 25 Jul 2011 13:04:03 -0500<span style="font-size: 16px;"><span style="font-size: 13px;">We are pleased to announce that, in addition to our long list of carriers, we are now offering insurance products by <a href="http://www.safeco.com" target="_blank">Safeco</a>.&nbsp;&nbsp;Safeco is an A rated company (by <a href="http://www.ambest.com" target="_blank">A.M. Best</a>) offering Home, Auto, Boat, Motorcycle, and other lines of insurance in South Carolina.&nbsp; Call our office for an insurance quote from one of our carriers.&nbsp; You can request a particular carrier or we can fit your needs with the best policy we have to offer.</span>&nbsp; </span>