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Downloadable Insurance Checklists

Free PDF checklists to guide your insurance decisions. Download, print, and use as your reference when reviewing coverage with your agent. Each checklist is tailored for South Carolina and Georgia residents.

Home Buying Insurance Checklist

Everything you need to know about insurance when purchasing a home in South Carolina or Georgia. Covers lender requirements, coverage types, and timelines.

Get homeowners insurance quotes at least 30 days before closing
Ensure dwelling coverage equals 100% replacement cost (not market value)
Verify your policy meets your mortgage lender's requirements
Add flood insurance if property is in or near a FEMA flood zone
Review personal property coverage limits (typically 50-70% of dwelling)
Set liability coverage at minimum $300,000 (recommend $500,000)

+ 6 more items in the full checklist

First-Time Homeowner Insurance Guide

A comprehensive guide for new homeowners in the CSRA. Understand what your policy covers, what it doesn't, and how to protect your investment.

Understand HO-3 (standard) vs HO-5 (comprehensive) policy differences
Learn what's NOT covered: floods, earthquakes, sewer backup (without riders)
Document all belongings with photos/video for claims purposes
Review Additional Living Expenses (ALE) coverage for temporary housing
Check if home-based business needs a separate endorsement
Inspect and document roof age and condition (affects premiums significantly)

+ 6 more items in the full checklist

Business Insurance Checklist

Essential coverage checklist for South Carolina and Georgia business owners. From general liability to workers' comp, ensure your business is properly protected.

General Liability Insurance — protects against third-party claims
Commercial Property Insurance — covers your building, equipment, inventory
Business Owner's Policy (BOP) — combines GL and property at a discount
Workers' Compensation — required in GA (3+ employees) and SC (4+ employees)
Professional Liability (E&O) — for service-based businesses
Commercial Auto Insurance — if employees drive for business purposes

+ 6 more items in the full checklist

Rental Property Insurance Checklist

Protect your investment properties in the CSRA. This checklist covers landlord insurance essentials, tenant requirements, and liability protection.

Landlord/Dwelling Fire policy (DP-3 form, not standard HO-3)
Dwelling coverage for full replacement cost of the structure
Loss of Rents coverage — income protection if property is uninhabitable
Liability coverage at minimum $300,000 per property
Require tenants to carry renter's insurance (minimum $100K liability)
Consider fair rental value endorsement for extended vacancy

+ 6 more items in the full checklist

Related Resources & Services

Home InsuranceAuto InsuranceBusiness InsuranceLandlord InsuranceCoverage ChecklistRisk Score ToolVA Loan GuideFHA Loan GuideNorth Augusta, SCAugusta, GAEvans, GACharleston, SC

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