Manning Insurance Services, LLC, a full-service Independent Insurance Agency based in Summerville, South Carolina, offers practical insurance advice for anyone living in the coastal region.


Summerville, SC, March 19, 2020 – Anyone who lives on the coast should consider adopting a holistic approach to ensuring their home and property. Manning Insurance Services, LLC, a coastal insurance company based in Summerville, offers advice to coastal residents based on twelve years of experience in the insurance industry in coastal South Carolina.

Manning Insurance Services, LLC advises coastal residents to start with homeowner’s insurance, which exists to protects what most likely is your most valuable asset: your home.

Through your homeowner’s policy, the experts at Manning Insurance Services, LLC can offer lots of other important protections. Dwelling coverage protects your home’s physical structure, providing for repair or replacement if it’s damaged or destroyed.

If there are other buildings on your property, such as a detached garage or shed, other structures coverage will provide repair or replacement. And personal property coverage offers protection to belongings, either in your home or elsewhere (Generally limited to only 10% of personal property coverage off-premises), that are damaged or destroyed. Loss of use coverage can provide additional living expenses in the event you can no longer use your main residence because of a covered claim.

Certainly, homeowner’s insurance is the first line of defense for coastal residents, but you may want to consider additional coverage if you live along the coast. Depending on your needs, coastal insurance can also include flood insurance, hurricane insurance, and wind and hail coverage.

It’s important to understand that a wind and hail deductible is not the same as a named storm deductible.  The wind and hail deductible will apply in the event of any covered loss caused by wind and hail during any storm, while a named storm deductible only applies to tropical storms or hurricanes that are named.  In general, the policy will have either a named storm deductible, or wind and hail deductible, but not both. 

No matter what the cause, whether it’s tropical storms, hurricanes, or heavy rainfall, homeowners insurance does not include flood damage, so coastal residents should consider getting flood insurance, which depending on your specific policy may reimburse for the costs associated with preparing your home for a flood, such as buying sandbags, moving furniture, and removing flood debris.

Your home can then be further protected by hurricane insurance if a named storm damages your home.

No matter what level of coverage you require, the experts at Manning Insurance Services, LLC have the knowledge and experience to help you identify the best options for protecting your most valuable asset with homeowners insurance South Carolina. And they offer a range of other insurance options, including car insurance South Carolina.  

About the Company: We are an independent insurance agency that specializes in coastal insurance. We have over 12 years of experience helping families and businesses protect themselves from the unexpected. We assist clients with putting together an individual plan to protect their assets when analyzing their exposers relating to auto, home, umbrella, flood, life, disability, and long-term care insurance. We also assist businesses with creating a plan to protect their business and employees when analyzing their exposures relating to general liability, workman compensation, and umbrella insurance.

Press Contact:

Name: Scott Manning

Address: 302-A Parkway Summerville, SC 29485

Phone: 843-771-0660