Who is the Charleston Insurance Lady?

Like many of us in the insurance industry, I did not set out to start a career in insurance. But, in 2016, as a recent college graduate, I took a chance on a part time position at Mappus Insurance Agency. The job was supposed to be focused on social media and marketing. I soon began assisting the agents in quoting policies and putting together proposals for clients. It didn’t take me long to realize that I really enjoyed talking with people, helping them with the insurance piece of their home purchase, and educating them on what they were buying. I found that many people simply bought the cheapest policy, but I sought to provide true value in talking through the various policy options so that the insured can find the policy that best suits their needs and objectives.

As I began to strategize about how I could make the biggest impact in my industry, it became obvious that I should start with the insureds that are just like me. Young professionals buying their first homes. I have always loved working with first time home buyers because it gives me the opportunity to help them understand how the policies work and how this major asset they are purchasing will be protected. Over time, many of my first time home buyers have grown to become second, third, and fourth time home buyers. Many have gone on to purchase investment properties and second homes as well. As cheesy as it may sound, when they grow, it feels like I’m getting to grow with them.

Over the last 10 years, I’ve been fortunate to help over 1000 families insure their homes in Charleston. Reach out to me here to see if I can help you with your insurance needs too!

What is homeowner’s insurance?

We’ve all heard the term “homeowners insurance”, but what does that actually mean? To put it simply, homeowners insurance is a policy that protects your home, personal property, and personal liability.

Homeowners insurance, or hazard insurance as lenders call it, is broken into two sections. Section I coverages provide protection against damage that could be sustained by your home or personal property. Think damage from a fire, burst pipe, or wind/hail. One of the biggest exposures we have in the Charleston area is the risk of a hurricane or tropical storm. Every policy I write includes coverage for wind/hail, tornadoes, tropical storms, and hurricanes.

Section I coverages are subject to your policy deductible. Every carrier structures their deductibles differently, so it is important to carefully review that information with your trusted agent.

Section II coverages provide liability protection for you and your family. If someone slips and falls on your property or is bitten by your dog, liability coverage will pay the injured party for their bodily injury.

If you want me to review your current insurance or provide a proposal for your new home purchase, reach out to me at savannah@mappusinsurance. or fill out my contact form here.