Personal Lines

Life

Eckert Insurance Agency sells a variety of Life Insurance Policies, from whole life to term life policies; we can structure your policy to meet the needs for your family and lifestyle.

Auto

The most important purpose of auto insurance is for your protection. Auto insurance gives financial protection against physical damage and/or bodily injury resulting from an automobile accident. Auto insurance also protects you against other drivers who may be driving illegally without insurance. Auto Insurance keeps you in good standings with the law as well. Not having auto insurance can lead to fees and/or penalitys as well potential license suspension and even possible jail time.

Home

Homeowners insurance is an elective combination of coverage's for the risks of owning a home. Eckert Insurance Agency professionals can help you determine the limits needed for your particular structure, belongings & liability limits. Policies can include coverage of losses resulting from fire, burglary, wind and hail, vandalism and liability. A percentage deductable is becoming more common for wind and hail damage. Homeowner's policies do not usually cover flood and earthquake. These risks should be reviewed as a part of your decision process.

Flood

All homeowners and renters in South Carolina communities involved in the National Flood Insurance Program (NFIP) can purchase flood insurance — regardless of their home's location. Grants from Federal disasters will not cover most losses. Repaying a disaster loan can cost significantly more than purchasing flood insurance.

Unfortunately, it's usually after a flood that homeowners discover their insurance policies do not cover flood damages. Approximately 15 percent of all flood damages occur in low risk zones, commonly described as being "outside the mapped flood zone, or areas of minimal flood risk. "*