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SR-22 insurance in South Carolina: requirements, costs and how to file

Wed, 08 Jul 2026 13:00:04 GMT

If you've been told you need SR-22 insurance in South Carolina, you're dealing with a specific legal requirement tied to your driver's license — not a separate type of insurance policy. Understanding exactly what it is, why you need it, what it costs, and how long you need to carry it makes the process significantly less stressful.

This guide covers everything specific to South Carolina's SR-22 requirements, including the filing process, cost ranges, the non-owner option, and how to work with a local agent to get back on the road as quickly as possible.

What is SR-22 insurance in SC

An SR-22 is not a type of insurance. It's a certificate of financial responsibility that your insurance company files with the South Carolina Department of Motor Vehicles (SCDMV) on your behalf. The certificate proves to the state that you carry at least the minimum required liability coverage — $25,000 per person, $50,000 per accident in bodily injury, and $25,000 in property damage.

When people refer to 'SR-22 insurance' they mean an auto insurance policy that includes this filing requirement. The SR-22 form is what your insurer submits to the SCDMV electronically — usually within 24 hours of your policy being bound. You carry your insurance ID card as normal; the SR-22 sits on file with the DMV through your insurer.

You cannot file an SR-22 yourself. Only a licensed insurance company authorized to write policies in South Carolina can submit it on your behalf.

Who needs SR-22 in South Carolina

South Carolina requires an SR-22 filing for drivers who have had certain serious violations or license actions. The most common triggers are:

DUI or DUAC conviction : A first DUI conviction in South Carolina results in license suspension and an SR-22 requirement upon reinstatement. South Carolina uses a tiered penalty system — drivers with a BAC of 0.16 or higher face enhanced penalties. Drivers who refuse a breathalyzer face automatic license suspension under South Carolina's implied consent law, which also triggers SR-22 requirements independently of any DUI conviction.

Driving without insurance : Being caught driving without the required minimum liability coverage results in a license suspension and SR-22 requirement. South Carolina is notable for requiring SR-22 even for failure to pay fines or satisfy financial judgments related to a violation.

Reckless driving conviction

At-fault accident while uninsured

License suspension or revocation from accumulated points or other serious violations.

Your SCDMV reinstatement letter will state the specific reason your SR-22 is required and the duration. If you're unsure whether you need one, contact the SCDMV directly before assuming you don't.

How much does SR-22 insurance cost in SC

There are two separate costs involved. The SR-22 filing fee itself is small — typically $15 to $25, paid one time to your insurer when the form is submitted. This is not where the significant cost lies.

The larger expense is the high-risk premium that comes with the underlying violation. Drivers with an SR-22 requirement are classified as high-risk, and their base auto insurance rate reflects that. On average, SR-22 insurance in South Carolina after a DUI costs about 61% more than a standard policy, according to Clearsurance's analysis of 2026 data. Insurance.com estimates the average South Carolina SR-22 annual premium at around $2,693, and Policygenius puts it closer to $3,108 — the difference reflecting the violation type, driving history, and individual carrier pricing.

A DUI conviction typically raises rates more than driving without insurance or a reckless driving charge. The more serious the conviction, the larger the surcharge, and the longer it takes for rates to normalize after the SR-22 period ends.

The single most important thing to know about SR-22 pricing in South Carolina: rates vary significantly between carriers for the same driver profile. Getting quotes from three to five insurers is essential — you can pay several hundred to over a thousand dollars less per year simply by finding the carrier that prices your specific history most competitively. Not all standard carriers write SR-22 policies, so working with an agency that has access to both standard and non-standard markets is the most efficient path.

How long do you need SR-22 in SC

South Carolina requires SR-22 filing for three years for most violations, including DUI. One critical detail that surprises many drivers: the three-year clock starts from the date your license is reinstated — not from the date of the original violation or arrest. Confirm your exact end date with the SCDMV before assuming the requirement has lapsed.

Throughout that three-year period, your SR-22-backed policy must remain continuously active. If your policy lapses — even for a single day — your insurer is legally required to notify the SCDMV immediately. The DMV will suspend your license again, and depending on the circumstances, your three-year clock may reset to zero. Setting up autopay the day you get your policy and never missing a payment is the single most important operational step during your SR-22 period.

If you move out of South Carolina during your SR-22 period, you must maintain coverage from a carrier authorized to write policies in South Carolina — SR-22 filings are state-specific, and your new state's insurance requirements don't automatically satisfy the SCDMV's requirement.

Non-owner SR-22 in South Carolina

Drivers who don't own a vehicle but still need to satisfy an SR-22 requirement have a specific option: a non-owner SR-22 policy. This is a liability-only policy that covers you when you drive vehicles you don't own — borrowed cars, rentals, car-shares. It provides the minimum required liability coverage and includes the SR-22 filing your license reinstatement requires.

Non-owner SR-22 policies are typically cheaper than standard SR-22 policies because there's no specific vehicle to insure. Monthly costs generally run $65 to $145 depending on your driving history, violation type, and the carrier. A non-owner policy fully satisfies South Carolina's SR-22 requirement as long as it meets the 25/50/25 minimum liability limits.

If you acquire a vehicle during your SR-22 period, you'll need to convert to a standard SR-22 policy that covers the owned vehicle — a non-owner policy doesn't extend to vehicles you own.

Find a local SR-22 agent in Myrtle Beach

LW Short Insurance Agency helps South Carolina drivers navigate SR-22 requirements efficiently. We work with both standard and non-standard carriers, file SR-22 certificates electronically with the SCDMV, and can often get you covered same-day. For a free quote on SR-22 insurance in South Carolina , call (866) 786-7484 or contact us online. We serve Myrtle Beach, North Myrtle Beach, Murrells Inlet, Conway, Surfside Beach, Pawleys Island, and all of Horry and Georgetown Counties.

BOP insurance for Myrtle Beach small businesses: is a business owner's policy right for you?

Tue, 07 Jul 2026 13:00:12 GMT

Most small business owners in Myrtle Beach need two foundational coverages: protection for the liability risks that come with operating a business, and protection for the physical property their business depends on. A Business Owner's Policy — commonly called a BOP — bundles both into a single package, typically at a lower cost than buying each coverage separately.

This guide explains what a BOP covers, what it doesn't, how it compares to buying standalone policies, which Myrtle Beach businesses are the best fit, and what it costs in South Carolina.

What is a Business Owner's Policy

A BOP combines three core coverages into one policy:

General liability insurance : Covers bodily injury claims from customers or visitors, property damage you cause to others, and personal and advertising injury (libel, slander, copyright claims). If a customer slips in your store, your GL coverage responds. If your employee damages a client's property on a job site, same.

Commercial property insurance : Covers your building (if you own it), your business equipment, inventory, furniture, and fixtures against fire, theft, vandalism, windstorm, and other covered perils. For Myrtle Beach businesses, wind and hail coverage in the property portion is particularly relevant given the area's hurricane and storm exposure.

Business interruption insurance : Pays your continuing business expenses — rent, payroll, utilities, loan payments — when a covered event forces a temporary closure. For Myrtle Beach businesses that depend on peak-season tourist traffic, the business interruption component is one of the most financially significant parts of a BOP. A hurricane or fire closing your doors for two months during summer is a very different financial event than a two-month closure in January.

What a Myrtle Beach BOP covers

In the context of Myrtle Beach's specific business environment, a BOP addresses several risks that are more prevalent here than in many other South Carolina markets:

Storm and wind damage to business property : Myrtle Beach's Atlantic coastal location means business property faces genuine hurricane and tropical storm exposure every year. The commercial property component of a BOP covers wind-related damage to your building, equipment, and inventory — though flood damage from storm surge requires a separate commercial flood policy.

Tourist-season liability exposure : The Grand Strand brings over 14 million visitors annually. Retail shops, restaurants, bars, entertainment venues, and service businesses all face higher foot traffic — and proportionally higher slip-and-fall, injury, and property damage liability exposure — during peak season than they would in a less tourist-dependent market.

Theft and vandalism : Myrtle Beach's property crime rate is one of the highest in South Carolina. Commercial property coverage within a BOP covers business equipment, inventory, and fixtures stolen from or vandalized at your business premises.

Business interruption from covered events : Whether it's a hurricane forcing an evacuation, a fire making your space uninhabitable, or a covered water event, business interruption coverage provides income replacement and ongoing expense coverage while you get back to operating.

BOP vs separate GL and property policies

The core advantage of a BOP is cost efficiency. Carriers package GL and commercial property together at a discount compared to writing each as a standalone policy. For a small business that needs both coverages — which describes most businesses with physical premises and customer-facing operations — a BOP is almost always the more cost-effective structure.

A standalone GL policy makes more sense when a business operates from a home office or exclusively at client locations and has little or no business property to insure. In that situation, the property component of a BOP adds premium for coverage that isn't needed.

The key is matching your coverage to your actual risk profile. A BOP is designed for businesses with defined premises and physical assets. If your operations are entirely mobile or virtual, a standalone GL policy may be a better fit.

Who is a BOP best for — Myrtle Beach industry examples

BOPs are specifically designed for businesses that meet certain size and risk criteria. Most standard BOPs are available to businesses with fewer than 100 employees, revenues under $5 million, and operations that don't involve unusually high hazard activities like heavy construction or hazardous materials handling.

Myrtle Beach businesses that are typically good fits for a BOP include:

Retail shops and boutiques : Both the liability exposure from customer foot traffic and the property coverage for merchandise and fixtures are addressed in a single policy.

Restaurants and cafes : Premises liability, food contamination exposure, equipment coverage, and business interruption — particularly relevant given Myrtle Beach's seasonal revenue patterns.

Service businesses with physical offices : Salons, spas, fitness studios, and professional service offices with customer-facing premises benefit from the combined structure.

Short-term rental property managers : Property managers handling vacation rentals in the Grand Strand area face both liability and property risks that a BOP can address, though the specific structure may vary depending on the number of properties and their ownership.

Small contractors and trade businesses : While higher-hazard contractors may need separate policies to get adequate limits, many small trade businesses in the Myrtle Beach market fit within BOP eligibility criteria.

How much does a BOP cost in South Carolina

BOP premiums in South Carolina vary significantly based on your industry, revenue, location, property values, and coverage limits. For a small Myrtle Beach retail or service business with $1 million in GL limits and $50,000 to $100,000 in commercial property coverage, annual BOP premiums typically run $500 to $1,500. Restaurants, bars, and higher-risk service businesses pay more, often in the $1,500 to $3,500 range depending on seat count, alcohol service, and revenue.

Because Myrtle Beach's coastal location and tourist-market characteristics make it a higher-risk market for commercial property, shopping rates across multiple carriers is more important here than in inland markets where carrier pricing tends to be more uniform.

Get a BOP quote from LW Short Insurance

LW Short Insurance Agency works with small businesses across Myrtle Beach and the Grand Strand to find business coverage that fits their operations and their budget. As an independent agency, we compare BOP and standalone policy options across multiple carriers to find the right structure for your business. Call (866) 786-7484 or contact us online for a free business insurance quote. We serve businesses throughout Myrtle Beach, North Myrtle Beach, Murrells Inlet, Conway, Surfside Beach, and Pawleys Island.

General liability insurance in South Carolina: a small business guide

Mon, 06 Jul 2026 13:00:47 GMT

General liability insurance is the starting point for almost every small business insurance conversation in South Carolina. It covers the risks that come with running a business in the physical world — injuries, property damage, and the legal costs that follow when claims are made against you. Without it, those costs come out of your business directly, and in many cases out of your personal finances.

This guide explains what general liability covers, who needs it in South Carolina, what it costs, how it compares to a Business Owner's Policy, and which industries face the most significant GL exposure.

What is general liability insurance

General liability insurance covers three core categories of business risk:

Bodily injury : If a customer, vendor, or visitor is injured on your premises or as a result of your operations, GL covers their medical costs, your legal defense expenses, and any damages you're found liable for up to your policy limit.

Property damage : If your business operations or your employees accidentally damage someone else's property, GL covers repair or replacement costs. A contractor whose crew breaks a client's window, a cleaning service that damages flooring, a landscaper who hits a sprinkler system — all of these fall under GL property damage coverage.

Personal and advertising injury : This covers claims of libel, slander, copyright infringement, and false advertising. Less common for most small businesses but included in every standard GL policy.

Critically, GL also covers your legal defense costs, regardless of whether the claim against you is legitimate. Attorney fees, court costs, and expert witness fees can run tens of thousands of dollars before a case ever reaches a verdict. GL coverage handles those costs up to your policy limit even when you ultimately win.

Who needs GL coverage in SC

Almost every South Carolina business with customers, a physical location, or employees doing work at client sites needs general liability insurance. Several categories face particularly direct exposure:

Contractors and construction trades : Most general contractors in South Carolina require subcontractors to carry at least $1,000,000 per occurrence in GL before allowing access to job sites. Without it, you're locked out of most commercial work regardless of your skills or experience.

Retail and hospitality businesses : Businesses that handle customer foot traffic face slip-and-fall claims, product liability exposure, and property damage risks daily. Most commercial landlords in South Carolina require proof of GL as a condition of signing any lease.

Restaurants and food service : Food contamination, slip-and-fall incidents, and equipment-related injuries are all covered under GL. In a coastal tourism market like Myrtle Beach, where high foot traffic is concentrated in restaurants and entertainment venues, GL exposure is elevated compared to lower-traffic markets.

Professional services and consultants : Even office-based businesses face premises liability for visitors and client property damage. Advertising injury claims — including accusations of copyright infringement or defamation — apply to service businesses too.

Event-based businesses : Photographers, caterers, event planners, and venues face concentrated liability exposure during events. Many venues in Myrtle Beach's active event market require vendors to show GL certificates before working on-site.

How much does GL cost in South Carolina

General liability insurance for South Carolina small businesses typically starts between $400 and $800 per year for low-risk operations — consultants, photographers, retail businesses with limited physical operations. Higher-risk businesses like contractors, roofers, or food service operations pay more, with premiums ranging from $1,500 to $5,000 or more depending on payroll, revenue, and claims history.

The primary factors that determine your GL premium in South Carolina include your industry and its associated risk level, your annual revenue, the number of employees and the nature of their work, the size and type of your physical premises, your location — coastal businesses in high-traffic areas like Myrtle Beach often price higher than inland equivalents — and your prior claims history.

The $25 CPC on 'south carolina general liability insurance' reflects real buyer intent. Businesses searching for GL coverage are ready to purchase, and the premium range above represents the annual cost of the protection they're shopping for.

GL vs BOP: which does your business need

A Business Owner's Policy (BOP) bundles general liability coverage with commercial property insurance into a single policy, typically at a lower combined cost than buying each separately. For most South Carolina small businesses that own or lease physical space and need both coverages, a BOP is worth considering.

The practical question is what you need. If you operate from a home office or client sites and have no significant business property to insure, standalone GL may be the more efficient choice. If you have physical premises, equipment, inventory, or business property worth protecting — along with the liability exposure that comes with operating a business — a BOP covers both categories in one policy.

In coastal markets like Myrtle Beach, a BOP can also include business interruption coverage, which pays your ongoing expenses when a covered event — a hurricane, a fire — forces a temporary closure. For Myrtle Beach businesses that depend on seasonal tourist traffic, an unexpected closure during peak season represents a significant revenue loss that business interruption coverage is designed to address.

Industries that require GL in SC

Certain South Carolina industries have GL requirements built into their licensing, contracting, or operating conditions. General contractors are the clearest example — SCLLLR licensing requirements reference insurance obligations for licensed contractors, and virtually all commercial project contracts specify GL minimums. Healthcare-adjacent businesses may face requirements tied to their facility agreements or professional licensing. Event venues and caterers routinely require vendor GL certificates. Businesses working with government agencies or large corporate clients typically face minimum GL requirements written into their contracts.

Even when it's not formally required, the practical reality is that operating without GL in South Carolina means taking on unlimited personal exposure for events that can and do happen — a customer injury, a property damage claim, a lawsuit over advertising content.

Get a business insurance quote in Myrtle Beach

LW Short Insurance Agency works with South Carolina businesses to find coverage that matches their operations. For a free quote on business and general liability insurance in Myrtle Beach and across South Carolina, call (866) 786-7484 or contact us online. We serve businesses throughout Myrtle Beach, Murrells Inlet, Conway, Surfside Beach, Pawleys Island, and the broader Grand Strand.

Auto insurance in Myrtle Beach SC: find the best rates with a local agent

Fri, 03 Jul 2026 13:00:09 GMT

Auto insurance in Myrtle Beach comes with a few local complications that drivers elsewhere in South Carolina don't face to the same degree. Over 14 million visitors arrive each year, seasonal traffic surges from spring break through the fall, and motorcycle rallies and car shows bring tens of thousands of additional vehicles onto already-congested roads. The combination of tourist traffic, a higher-than-average accident rate, and Myrtle Beach's above-average property crime numbers all factor into what local drivers pay for coverage.

This guide covers what South Carolina requires, what Myrtle Beach-specific risks are worth addressing, how rates compare, and how to find the most competitive quote for your situation.

Why auto insurance in Myrtle Beach is unique

Most drivers think of their ZIP code as a minor factor in their insurance rate. In Myrtle Beach, it's a significant one. The city's Horry County location, its high tourist traffic, and its proximity to the coast all push premiums above the state average.

Traffic density and accident frequency are the primary drivers. Myrtle Beach's road network — particularly Highway 17, Highway 501, and Ocean Boulevard — carries far more vehicles per mile than comparably sized inland cities. During peak tourist season, local driving conditions change materially. Insurers track accident frequency by ZIP code, and the data for Myrtle Beach reflects a higher claims environment than the state average.

Property crime is a second factor. Myrtle Beach consistently ranks among the higher-crime cities in South Carolina, and vehicle theft is part of that picture. Comprehensive coverage — which pays when your car is stolen or damaged by a non-collision event — is more relevant here than in lower-crime markets. Hurricane season adds a third dimension: hail, flooding, and storm debris all generate comprehensive claims that coastal drivers face at higher rates than those inland.

The result is that Myrtle Beach drivers pay more than the South Carolina state average of approximately $1,011 per year. Local agency averages for Myrtle Beach policies run roughly $1,250 to $2,300 per year depending on coverage level, driving record, and vehicle — with higher rates for newer vehicles, younger drivers, or anyone with recent violations.

South Carolina auto coverage requirements

South Carolina requires every registered vehicle to carry minimum liability coverage of 25/50/25:

$25,000 per person for bodily injury liability — what your policy pays toward one person's medical bills and related costs when you cause an accident.

$50,000 per accident for bodily injury liability — the combined limit across all injured parties in a single accident you cause.

$25,000 per accident for property damage liability — covers the other vehicle and any other property you damage.

South Carolina also requires uninsured motorist (UM) coverage at the same 25/50/25 minimums. You cannot waive it. This matters in Myrtle Beach, where tourist traffic means you're regularly sharing roads with out-of-state drivers — some from states with even higher uninsured rates than South Carolina's approximately 10%.

The minimums are a legal floor, not a financial plan. A serious multi-vehicle accident can generate medical costs well above $50,000 in total. For Myrtle Beach drivers with assets worth protecting, most insurance professionals recommend at least 100/300/100 in liability coverage. The premium difference is typically $20 to $40 per month — far less than the exposure created by minimum limits after a serious accident.

How to compare car insurance quotes in Myrtle Beach

The most reliable way to know whether you're getting a competitive rate is to compare identical coverage across multiple carriers at the same time. The same driver in the same ZIP code can receive quotes ranging several hundred dollars apart from different companies, because each carrier prices risk differently based on its own claims data and underwriting models.

When comparing quotes, make sure each one reflects the same coverage limits, deductibles, and add-ons — otherwise you're comparing different products, not different prices for the same protection. A liability-only quote looks much cheaper than full coverage, but those two options aren't comparable for a driver with a financed vehicle or one who can't afford to replace their car after an at-fault accident.

Factors that affect your Myrtle Beach auto rate include your driving record, your credit score (South Carolina allows credit-based insurance scoring), your vehicle's make, model, and age, your annual mileage, your ZIP code within the Myrtle Beach area, and the coverage level you choose.

Independent agent vs direct carrier

Buying insurance directly from one company — through their website or a captive agent — means you see that company's rate. You don't know how it compares to what three or four other carriers would charge for the same coverage. In a market where the spread between carriers can run $300 to $600 per year for the same driver profile, that comparison has direct financial value.

An independent agency works with multiple carriers and can run those comparisons for you. Beyond price, an independent agent can also help you navigate the claims process when something happens — a real consideration in Myrtle Beach, where hurricane season, tourist-related accidents, and higher theft rates mean claims are more likely over a multi-year period than in many other markets.

Auto and home bundle savings

Most South Carolina carriers offer multi-policy discounts of 10% to 20% when you bundle home and auto insurance. For a Myrtle Beach homeowner paying $3,000 per year for home insurance and $1,800 per year for auto, a 15% bundle discount saves roughly $720 annually. The discount applies to both policies and requires only that they're placed with the same carrier.

The bundle also simplifies the claims process. If a hurricane damages both your home and your vehicle — a realistic scenario in coastal South Carolina — having one insurer and one agent handling both claims avoids coordination issues that arise when separate companies are involved.

Get a free car insurance quote from a Myrtle Beach agent

LW Short Insurance Agency compares rates across multiple carriers for drivers throughout the Grand Strand. For a free quote on auto insurance in Myrtle Beach , call (866) 786-7484 or contact us online. We serve Myrtle Beach, North Myrtle Beach, Murrells Inlet, Conway, Surfside Beach, Pawleys Island, and surrounding Horry and Georgetown County communities.

Myrtle Beach home insurance: the complete local guide

Thu, 02 Jul 2026 13:00:19 GMT

Myrtle Beach homeowners pay significantly more for home insurance than most of the country, and the reasons go beyond just location. The combination of direct Atlantic Ocean exposure, hurricane and tropical storm risk, above-average property crime rates, and the complexities of coastal coverage options makes Myrtle Beach one of the more demanding home insurance markets in South Carolina.

This guide covers what drives those higher costs, what a Myrtle Beach home insurance policy actually covers, what it doesn't, and how working with a local independent agent helps you find the right coverage at a competitive price.

Why home insurance is different on the SC coast

A home insurance policy in Myrtle Beach faces risks that simply don't apply to properties inland. The Grand Strand's exposure to hurricanes and tropical storms is the most significant factor. South Carolina's 187-mile Atlantic coastline sits in a direct path for storm activity, and between 2020 and 2024 the state experienced 16 severe storms and 12 tropical cyclones, according to NOAA data. Every one of those events generates claims, and those claims are reflected in current premium levels.

The result: Myrtle Beach homeowners pay an average of $445 per month, or roughly $5,340 per year, for home insurance with $250,000 in dwelling coverage, according to MoneyGeek's 2026 analysis. That's about 72% higher than the South Carolina state average of $258 per month. Depending on the source and coverage level, estimates from local agencies that actively write Myrtle Beach policies put the average closer to $2,500 to $3,200 per year for typical primary homes — with coastal and beachfront properties running considerably higher.

A second factor is property crime. Myrtle Beach experiences over 2,000 residential burglaries annually, giving residents roughly a 1-in-12 chance of becoming a property crime victim. Insurers factor this into their base rates, which pushes premiums higher than comparable inland markets even when storm risk is set aside.

A third factor specific to coastal South Carolina is the availability gap. Some standard market carriers have reduced or stopped writing new policies in certain Myrtle Beach ZIP codes due to hurricane exposure. Properties that can't get wind coverage in the standard market may need the South Carolina Wind and Hail Underwriting Association (SCWHUA) for wind coverage alongside a separate homeowners policy — a two-policy arrangement that adds cost and complexity.

What Myrtle Beach home insurance covers

Dwelling coverage pays to repair or rebuild your home's structure after a covered loss — fire, wind damage, lightning, hail, and certain water events. Your dwelling limit should reflect the current cost to rebuild at today's construction prices, not your home's market value. In coastal South Carolina, where building codes require wind-resistant materials and construction techniques, rebuild costs are higher than in most markets.

Personal property coverage covers your belongings — furniture, electronics, clothing, appliances — after a covered loss. Most policies settle personal property claims at actual cash value by default, which means depreciation reduces your payout. A replacement cost value endorsement pays what items actually cost to replace new. For valuable items like jewelry or electronics above standard sub-limits, a scheduled personal property rider adds specific coverage.

Liability coverage pays if someone is injured on your property or you accidentally cause damage to someone else's property. Standard policies include $100,000 in liability coverage. Given the cost of medical claims and legal defense, most Myrtle Beach homeowners should carry at least $300,000 — and an umbrella policy adds an additional $1 million or more above that at a relatively low annual cost.

Additional living expenses (ALE) pays for temporary housing, meals, and extra costs when your home is uninhabitable after a covered loss. For coastal homeowners facing a significant hurricane repair, ALE coverage can mean the difference between managing the process calmly and watching savings drain into a hotel bill while waiting for contractors.

Wind, flood, and hurricane: what's included and what isn't

This is where Myrtle Beach homeowners need to pay close attention, because the most damaging coastal storm events involve multiple types of loss that are covered by different policies.

Wind damage is covered under a standard homeowners policy. Hurricane and tropical storm winds that damage your roof, windows, or siding fall under your dwelling coverage. However, most Myrtle Beach policies apply a separate named-storm or wind deductible — typically 1% to 5% of your dwelling coverage value — rather than your standard flat deductible. On a $400,000 home with a 2% wind deductible, that's $8,000 out of pocket before your policy pays on any wind claim. Confirm this number before binding any policy.

Flood damage is not covered by any standard homeowners policy. Storm surge from a hurricane, rising water from rainfall, and overflow from Myrtle Beach's waterways and drainage systems all require separate flood insurance. The National Flood Insurance Program (NFIP) is the primary source for flood coverage, with building coverage capped at $250,000. Private flood carriers offer alternatives with higher limits and sometimes shorter waiting periods. The standard NFIP waiting period is 30 days, which means purchasing flood insurance when a storm is already being tracked provides no protection from that event.

Roof settlement terms vary significantly between carriers. Some policies settle roof claims at replacement cost value — paying the full cost of a new roof regardless of age. Others settle at actual cash value, applying depreciation to an older roof. For a 12-year-old roof, an ACV settlement might pay 40% of the replacement cost. Confirming how your policy handles roof claims before a storm is one of the most important questions to ask.

How much does it cost in Myrtle Beach

Based on 2026 data from multiple sources, here's what Myrtle Beach homeowners can realistically expect to pay:

For a newer home (built 2000 or later) with $250,000 in dwelling coverage, updated systems, and a clean claims history, premiums typically range from $1,800 to $3,000 per year in the standard market. State Farm averages around $2,928 per year for this profile according to MoneyGeek's data. Heritage Insurance Holdings offers some of the most competitive rates at an average of $2,328 per year, or $194 per month.

For older homes, particularly those with roofs over 15 years old, pre-2000 construction, or properties closer to the shoreline, premiums frequently run $4,000 to $6,500 or more annually. The combination of outdated building materials, higher repair costs after storms, and beach proximity creates the upper end of the Myrtle Beach pricing range.

Credit score has a meaningful impact in South Carolina. A good credit profile can lower premiums by up to 25%, while poor credit significantly increases them. Roof condition, construction type, and distance from the coast are the other major variables that shift your rate within that range.

Comparing quotes with a local agent

Standard market availability in Myrtle Beach changes based on hurricane season history, individual carrier appetite, and neighborhood-level loss data. A carrier that wrote aggressively in a particular ZIP code two years ago may now be declining new policies in that same area. A carrier that wasn't competitive last year may have adjusted its coastal pricing and now offers the best rate for your profile.

An independent agency compares rates and coverage across multiple carriers simultaneously, identifies which ones currently write your property type, and explains the differences in deductible structures and settlement terms that matter most in this market.

LW Short Insurance Agency serves homeowners across Myrtle Beach, North Myrtle Beach, Murrells Inlet, Surfside Beach, Garden City, Pawleys Island, and the surrounding Grand Strand area. For a free quote on homeowners insurance in Myrtle Beach , call (866) 786-7484 or contact us online. We'll compare your options across multiple carriers and explain exactly what each policy covers.

Small Business Insurance 101: What You Actually Need

Mon, 18 May 2026 02:04:26 GMT

Essential Coverage Every Small Business Owner Should Understand

Starting and running a small business in South Carolina means juggling dozens of responsibilities. Between managing employees, serving customers, handling finances, and growing your company, insurance probably isn't the most exciting thing on your to-do list.

But here's the reality: one lawsuit, one fire, one data breach, or one serious accident can destroy everything you've built if you don't have the right coverage. Small business insurance isn't about checking a box. It's about protecting your livelihood, your assets, and your future.

The good news? You don't need to become an insurance expert. You just need to understand the core coverages that matter for businesses like yours, what they actually protect against, and how to avoid the expensive gaps that leave you vulnerable.

General Liability: Your Foundation Coverage

General liability insurance is the starting point for almost every small business. This coverage protects you when your business causes bodily injury or property damage to someone else, and when someone claims your advertising or services harmed them.

A customer trips over equipment in your office and breaks their wrist. A delivery you made damages a client's property. Someone claims your marketing materials infringed on their copyright. General liability covers the legal defense costs and any settlements or judgments against you.

Bodily injury coverage: Medical expenses, legal fees, and settlements when someone is injured on your business premises or because of your business operations.

Property damage coverage: Costs to repair or replace someone else's property that your business damages.

Personal and advertising injury: Protection against claims of libel, slander, copyright infringement, or invasion of privacy in your advertising.

The standard general liability policy also includes medical payments coverage, which pays small medical bills for customer injuries regardless of fault. This often resolves minor incidents before they become lawsuits.

General liability doesn't cover everything, though. It won't protect you against employee injuries (that's workers' compensation), damage to your own property (that's commercial property insurance), or professional mistakes (that's professional liability). But it's the foundation that every small business needs.

How Much General Liability Coverage Do You Need?

Most small businesses carry $1 million per occurrence and $2 million aggregate limits. This means the policy pays up to $1 million for any single incident and up to $2 million total for all claims during the policy period.

Some clients and contracts require higher limits. If you work with large corporations or government entities, they'll often require $2 million per occurrence or more. Your commercial insurance needs depend on your industry, revenue, and exposure to customer interaction.

Commercial Property Insurance: Protecting Your Physical Assets

If you own or lease business property, commercial property insurance protects your building, equipment, inventory, furniture, and supplies against fire, theft, vandalism, and certain natural disasters.

The replacement cost of your business property adds up quickly. Computers, tools, machinery, office furniture, signage, inventory, and specialized equipment can easily total tens or hundreds of thousands of dollars. After a fire or theft, you need to replace all of it to get back in business.

Building coverage: If you own your business building, this covers the structure itself and permanently installed fixtures and equipment.

Business personal property: Covers equipment, inventory, furniture, computers, tools, and supplies whether you own or lease your space.

Loss of income coverage: Pays your continuing business expenses and lost profits when property damage forces you to close temporarily.

A retail store owner we work with had a fire in their building that caused $40,000 in property damage and forced them to close for six weeks. Their commercial property insurance paid for the repairs, replaced damaged inventory, and covered their rent and payroll while they were closed. Without that loss of income coverage, six weeks without revenue would have bankrupted the business.

What Commercial Property Insurance Doesn't Cover

Standard commercial property policies exclude certain perils. Flood damage requires separate flood insurance, just like with homeowners policies. Earthquake damage is also typically excluded unless you add it as an endorsement.

Equipment breakdown is another common gap. If your HVAC system, refrigeration equipment, or machinery breaks down due to mechanical or electrical failure, standard property insurance won't cover it. You need equipment breakdown coverage added to your policy.

Pay attention to these exclusions. A restaurant with expensive refrigeration or a medical office with diagnostic equipment faces catastrophic losses if that equipment fails and they don't have the right coverage.

Workers' Compensation: Required in Most Cases

If you have employees in South Carolina, you're required by law to carry workers' compensation insurance. This coverage pays medical expenses and lost wages for employees who are injured or become ill because of their job.

Workers' compensation is a no-fault system. It pays benefits regardless of who caused the injury, and in exchange, employees generally can't sue you for workplace injuries. This protects both your employees and your business.

Medical benefits: Covers all reasonable medical treatment related to the workplace injury or illness.

Lost wage benefits: Pays a percentage of the employee's average wage while they're unable to work due to their injury.

Permanent disability benefits: Provides compensation for permanent impairments that result from workplace injuries.

Death benefits: Pays benefits to dependents if an employee dies from a workplace injury.

Workers' comp premiums are based on your payroll and the risk level of different job classifications. Office workers have low rates because they have low injury risk. Roofers and construction workers have much higher rates because of the dangerous nature of their work.

Are You Really Required to Have Workers' Comp?

South Carolina requires workers' compensation if you have four or more employees. However, there are exceptions and special rules depending on your industry and business structure.

Some contractors and sole proprietors can operate without workers' comp, but that's usually a mistake. If you're injured on the job and don't have coverage, you're paying your own medical bills and losing income with no benefits. Many clients also require proof of workers' comp before they'll hire you.

At L. W. Short Insurance Agency , we help business owners understand their workers' comp requirements and find competitive coverage that meets South Carolina regulations.

Professional Liability: For Service-Based Businesses

If your business provides professional advice or services, you need professional liability insurance (also called errors and omissions insurance). This coverage protects you when clients claim your work caused them financial harm.

General liability covers physical accidents. Professional liability covers your work product. If you're a consultant, accountant, real estate agent, architect, IT professional, or anyone who provides specialized advice or services, this coverage is critical.

A client claims your accounting error cost them money. A customer sues because your software recommendations didn't solve their problem. Someone alleges your consulting advice led to their business losses. Professional liability covers your legal defense and any settlements or judgments.

Defense costs: Legal representation when you're sued, even if the claim is groundless.

Settlement and judgments: Payment for damages you're found liable for, up to your policy limits.

Contractual requirements: Many client contracts require professional liability insurance before they'll engage your services.

Professional liability claims can be incredibly expensive to defend, even when you did nothing wrong. Legal fees alone can exceed $50,000 for a case that goes to trial. Without this coverage, defending yourself could bankrupt your business.

Who Really Needs Professional Liability?

Any business that provides advice, designs, recommendations, or professional services should carry professional liability insurance. This includes consultants, technology companies, marketing agencies, real estate professionals, insurance agents, accountants, architects, engineers, and many others.

Even if you're not in a traditionally "licensed profession," you can face professional liability claims. A marketing agency that fails to deliver promised results might be sued for wasted advertising spend. An IT consultant whose security recommendations prove inadequate might face liability for a client's data breach.

If clients pay you for your expertise and judgment, you need professional liability coverage. Learn more about essential small business protection in our post about why every small business needs a BOP policy .

Business Owner's Policy (BOP): Bundled Protection

A Business Owner's Policy bundles general liability, commercial property, and business interruption coverage into one package at a lower price than buying each separately. BOPs are designed specifically for small to medium-sized businesses with relatively low risk.

The BOP works particularly well for offices, retail stores, restaurants, and light manufacturing businesses. It provides comprehensive protection for your most common risks in a simplified, cost-effective package.

Included coverages: General liability, commercial property (building and contents), business interruption, and typically some additional coverages like sign coverage and outdoor property protection.

Cost savings: BOPs typically cost 15-30% less than purchasing general liability and property insurance separately.

Simplified coverage: One policy, one premium, one renewal date instead of managing multiple separate policies.

Not every business qualifies for a BOP. High-risk industries, very large businesses, and certain specialized operations need custom commercial packages instead. But for many small businesses, the BOP delivers excellent protection at the best value.

Commercial Auto Insurance: If You Use Vehicles

If you or your employees drive for business purposes, you need commercial auto insurance. Your personal auto policy won't cover business use of vehicles, and using personal vehicles for business creates a massive gap in your coverage.

Commercial auto covers vehicles owned by your business as well as hired vehicles and non-owned vehicles (employee cars used for business). The coverage is similar to personal auto insurance but designed for business exposures.

Liability coverage: Pays for injuries and property damage when your business vehicle causes an accident.

Physical damage: Covers damage to your business vehicles from collisions, theft, vandalism, and other perils.

Medical payments: Covers medical expenses for you and your passengers regardless of fault.

Uninsured motorist: Protects you when you're hit by a driver without adequate insurance.

A lot of small business owners don't realize their personal auto policy excludes business use. If you're driving to job sites, making deliveries, visiting clients, or using your vehicle for any business purpose beyond commuting, you need commercial auto coverage.

Hired and Non-Owned Auto Coverage

Even if your business doesn't own vehicles, you might still need commercial auto insurance. Hired and non-owned auto coverage protects you when employees drive their own vehicles for business errands or when you rent vehicles for business use.

If your employee causes an accident while running a business errand in their personal car, the injured party can sue both the employee and your business. Your employee's personal auto insurance is primary, but it might not be enough to cover all damages. Your hired and non-owned coverage kicks in above their policy limits and protects your business assets.

This coverage is inexpensive, often just a few hundred dollars annually, and it protects against potentially devastating liability.

Cyber Liability: Increasingly Essential

If your business collects customer information, processes credit cards, stores data digitally, or relies on computer systems to operate, cyber liability insurance has moved from "nice to have" to "essential."

Cyber attacks, data breaches, and ransomware incidents affect small businesses constantly. The idea that hackers only target large corporations is completely false. Small businesses are actually more attractive targets because they typically have weaker security.

Data breach response: Covers the cost of notifying affected customers, providing credit monitoring services, and managing public relations after a breach.

Cyber extortion: Pays ransom demands and negotiation costs when your systems are locked by ransomware.

Business interruption: Covers lost income when a cyber attack shuts down your operations.

Legal liability: Protects you when customers or partners sue because their information was compromised in your breach.

A small medical office had their computer systems encrypted by ransomware. The attackers demanded $15,000 to unlock the files. Their cyber liability insurance paid the ransom, covered the cost of IT security consultants who rebuilt their systems, and paid for patient notification and credit monitoring services. Total claim cost: $47,000. Without coverage, that would have come entirely from the business owner's pocket.

Do You Really Need Cyber Insurance?

If you answered yes to any of these questions, you need cyber liability coverage: Do you store customer data digitally? Do you accept credit card payments? Do you have a website? Do you use email for business? Do you rely on computers to operate?

That covers almost every business today. Cyber insurance isn't just for technology companies anymore. Retailers, healthcare providers, professional services, contractors, and virtually every other business type faces cyber risk now.

Putting Together Your Coverage Package

Small business insurance isn't one-size-fits-all. Your specific needs depend on your industry, size, revenue, number of employees, physical location, and dozens of other factors.

Most small businesses need at least these core coverages: general liability, commercial property (if you have business property), workers' compensation (if you have employees), and commercial auto (if you use vehicles for business). From there, you add professional liability, cyber liability, or other specialized coverages based on your specific risks.

The biggest mistake we see is business owners buying the bare minimum just to check a box, then discovering after a loss that they didn't have the coverage they needed. The second biggest mistake is overpaying for coverage you don't need because you didn't have an expert review your options.

Working with an Independent Agent for Business Coverage

Business insurance is complex enough that working with an independent agent who represents multiple carriers delivers significant value. Different insurance companies specialize in different industries and offer dramatically different rates for the same coverage.

We recently helped a contractor who was paying $12,000 annually for coverage through a single carrier. We found them better coverage with a company that specializes in contractors for $7,800. That's $4,200 in annual savings for superior protection.

Independent agents also help you avoid gaps in coverage. We review your operations, identify your exposures, and recommend coverage combinations that actually protect your business. Get started with a free business insurance consultation to see what coverage you need and what it should cost.

Common Coverage Gaps to Avoid

Even businesses with insurance often have dangerous gaps in their coverage. Here are the most common ones we encounter.

Employment practices liability: Standard policies don't cover employee lawsuits alleging discrimination, harassment, or wrongful termination. If you have employees, consider EPLI coverage.

Commercial umbrella: This provides additional liability limits above your general liability, auto, and other primary coverages. Relatively inexpensive for the protection it provides.

Inland marine: Covers tools, equipment, and inventory that travels off your business premises. Critical for contractors and businesses that work at customer locations.

Business income with extra expense: Make sure your property policy includes adequate business interruption coverage, including extra expense coverage for operating from a temporary location.

Many businesses also have inadequate limits. Carrying $1 million in general liability might sound like a lot, but a single serious injury claim can exceed that easily. Review your limits with your agent to make sure they're adequate for your actual exposure.

What Business Insurance Actually Costs

Business insurance costs vary dramatically based on your industry, revenue, number of employees, location, claims history, and coverage selections. But here are some general ranges for common small businesses.

A small office-based business with 3-5 employees might pay $1,500-$3,000 annually for a BOP and workers' comp. A retail store could pay $3,000-$6,000. A contractor might pay $5,000-$15,000 or more depending on the type of work, payroll, and revenue.

These are very rough estimates. The only way to know what your business insurance will cost is to get actual quotes based on your specific situation. That's where we come in.

At L. W. Short Insurance Agency, we compare multiple carriers to find you comprehensive protection at competitive prices. We work with insurance companies that specialize in your type of business, which often produces better coverage at lower costs than general-market carriers.

Check what our business clients say about our service and expertise on Google .

Getting the Right Coverage for Your Business

Small business insurance doesn't have to be complicated or overwhelming. You need the right coverages in adequate amounts, from financially strong carriers, at competitive prices. An experienced independent agent makes that happen.

Don't wait until after a lawsuit, fire, or accident to discover you don't have the coverage you thought you had. Call L. W. Short Insurance Agency or request a free business insurance quote today. We'll review your operations, explain your coverage options in plain language, and build a protection package that actually fits your business.

Frequently Asked Questions

How much does small business insurance typically cost?

Small business insurance costs vary widely based on your industry, revenue, number of employees, and coverage needs. Office-based businesses might pay $1,500-$3,000 annually for basic coverage, while contractors often pay $5,000-$15,000 or more due to higher risk. The best way to determine actual cost is to request quotes based on your specific business operations and coverage requirements.

What's the difference between a BOP and buying coverages separately?

A Business Owner's Policy (BOP) bundles general liability, commercial property, and business interruption into one package at a discounted price, typically 15-30% less than buying each coverage separately. BOPs work well for small to medium businesses with standard risks. High-risk industries or very large businesses may need custom packages with separate policies that provide more flexibility and higher limits.

Do I need commercial auto insurance if I use my personal vehicle for business?

Yes, if you use your personal vehicle for business purposes beyond just commuting, you need commercial auto coverage or a commercial auto endorsement on your personal policy. Personal auto insurance typically excludes business use, meaning you'd have no coverage if you're in an accident while running business errands, visiting job sites, or making deliveries. At minimum, your business should carry hired and non-owned auto coverage.

Is workers' compensation really required for small businesses in South Carolina?

South Carolina requires workers' compensation insurance if you have four or more employees, with some industry-specific exceptions. Even if you're not legally required to carry it, workers' comp protects you from devastating lawsuits if an employee is injured on the job. Many clients and general contractors also require proof of workers' comp coverage before they'll work with you, regardless of your employee count.

What happens if I'm sued and don't have adequate business insurance?

If you're sued without adequate insurance, you'll pay all legal defense costs and any settlement or judgment from your personal and business assets. Legal fees alone can exceed $50,000 even for cases you win. A significant judgment against your business can force bankruptcy, and in some cases, plaintiffs can pursue your personal assets including your home and savings. Adequate liability coverage is essential protection for everything you've built.

Why an Independent Agent Saves You More on Insurance

Mon, 18 May 2026 02:04:25 GMT

The Independent Agent Advantage You're Missing

You've probably seen the commercials. Big insurance companies with clever mascots promise you'll save hundreds by switching to them. But here's what they don't tell you: you're only getting quotes from one company with one set of rates and one underwriting appetite.

Independent insurance agents work completely differently. We represent multiple insurance carriers, which means we can shop your coverage across numerous companies to find you the best combination of price and protection.

If you're still buying insurance directly from a single carrier or through a captive agent who only represents one company, you're likely overpaying. Let's look at exactly why the independent agent model puts more money back in your pocket.

How Independent Agents Actually Work

An independent agent doesn't work for an insurance company. We work for you. L. W. Short Insurance Agency contracts with multiple insurance carriers, giving us access to dozens of different products, pricing structures, and coverage options.

When you ask for a quote, we're not limited to one company's rates. We submit your information to multiple carriers and compare what each one offers. Different insurance companies rate risk differently, which means the cheapest option for your neighbor might not be the cheapest option for you.

Multiple carrier access: Independent agents typically work with 10 to 20 or more insurance companies, each with different strengths, specialties, and pricing.

Unbiased recommendations: We're not incentivized to push one company's products over another. Our job is finding you the best value.

Ongoing market access: As your circumstances change or as insurance markets shift, we can move your coverage to a different carrier without you having to start over with a new agent.

A captive agent, by contrast, only sells policies from their parent company. If that company's rates increase or if their underwriting guidelines exclude you, the captive agent has nowhere else to go. You're stuck shopping around on your own.

Why One Company Can't Be Cheapest for Everyone

Insurance pricing is incredibly complex. Companies use different formulas to calculate risk, and they specialize in different types of customers. One carrier might offer fantastic rates for drivers with perfect records but charge a premium for anyone with a claim history. Another might be more forgiving of past claims but charge more for certain vehicle types.

Your age, credit score, claims history, home construction type, business industry, and dozens of other factors influence your rates. Each insurance company weighs these factors differently based on their own claims data and business strategy.

We've seen countless examples where someone paying $2,400 annually with one carrier drops to $1,600 with a different carrier for identical coverage. The difference isn't that one company is "better" overall. It's that the second company's rating formula favored that particular customer's profile.

Real-World Rate Variations

A 45-year-old driver with a clean record might get excellent rates from Company A, while Company B charges them 30% more. But that same Company B might offer the best rates for a 25-year-old driver, while Company A prices them out completely.

The same pattern applies to homeowners insurance. Homes with older roofs, certain dog breeds, trampolines, or swimming pools might be declined by some carriers while others offer competitive coverage. Business insurance shows even more variation based on industry, payroll, and revenue.

The only way to find your best rate is to check multiple companies. That's exactly what independent agents do every single day.

The Coverage Comparison Advantage

Price matters, but it's meaningless without adequate coverage. One of the biggest mistakes people make is comparing policies based solely on premium without understanding what they're actually buying.

Direct insurance companies and captive agents often meet your price expectations by reducing coverage in ways you won't discover until you file a claim. Lower liability limits, higher deductibles, excluded coverages, and reduced benefits all bring premiums down while leaving you exposed.

Independent agents compare coverage side by side across multiple carriers. We show you where policies differ, explain what various coverage options mean, and help you make informed decisions about what protection you actually need.

Coverage limits comparison: We ensure you're comparing equivalent liability limits, deductibles, and replacement cost coverage across all quotes.

Endorsement evaluation: We identify valuable endorsements one company includes standard that another charges extra for.

Claims service reputation: Some carriers are known for fast, fair claims handling while others make the process difficult. We know which companies our clients have good experiences with.

You might save $200 annually with a direct carrier, only to discover they don't cover water backup damage that your previous policy included. Or you might find out after an accident that your liability limits are half what you thought you had. Those "savings" evaporate pretty quickly when you're writing a check for uncovered damage.

Bundling and Discount Optimization Across Carriers

Everyone knows bundling your auto insurance and homeowners insurance saves money. But what most people don't realize is that the best bundle isn't always with the same company that offers your cheapest auto rate or your cheapest home rate.

Independent agents can model multiple scenarios. Sometimes you'll save the most by bundling both policies with Company A. Other times, you'll actually save more by keeping your auto insurance with Company B and your homeowners with Company C, even without a bundle discount.

We also maximize every available discount across all carriers. Different companies offer different discounts for the same factors. One carrier might give you 10% off for being claims-free for five years, while another gives you 15% for the same thing.

Available discount categories we check: Claims-free history, security systems, multi-policy, paid-in-full, automatic payments, paperless billing, defensive driving courses, safety features, professional associations, and more.

The discount combinations vary by carrier, and they sometimes stack in unexpected ways. An independent agent knows which companies offer the best discount structures for your specific situation.

Business Insurance: Where Independence Matters Most

If you own a business, working with an independent agent isn't just smart—it's essential. Commercial insurance is far more complex than personal lines, with massive pricing variations between carriers based on industry, location, payroll, revenue, and claims history.

No single insurance company excels at every type of business. Some carriers specialize in contractors, others in retail, others in professional services. Some won't touch certain industries at all, while others have programs specifically designed for them.

We work with one business owner who spent years with a single carrier paying $8,500 annually for general liability and property coverage. When they came to us, we found them equivalent coverage with a carrier specializing in their industry for $5,200. That's $3,300 in annual savings they left on the table for years because they didn't have access to multiple carriers.

Specialized Business Coverage Options

Different carriers offer different specialized coverages and endorsements for businesses. Equipment breakdown, cyber liability, employment practices liability, and hired/non-owned auto coverage vary dramatically in availability and cost.

An independent agent knows which carriers offer the specific coverages your business needs at competitive rates. We can also package coverages efficiently, sometimes combining multiple policies into a Business Owner's Policy (BOP) that costs less than buying each coverage separately.

The complexity of commercial insurance means the independent agent model delivers even more value than it does for personal insurance. Check out our post on why every small business needs a BOP policy to understand more about efficient business coverage.

The Service Difference When You Need It Most

Insurance isn't just about the price you pay. It's about the experience you have when something goes wrong and you need to file a claim.

Direct insurance companies route you through call centers. You'll talk to a different person every time you call, explain your situation repeatedly, and navigate automated phone systems. When you have a complex claim or coverage question, you're on your own to figure out the right department and the right person to talk to.

Independent agents provide a consistent point of contact. When you call our office, you're talking to someone who knows you, knows your policies, and can immediately advocate for you with the insurance carrier.

Claims advocacy: We contact the insurance company on your behalf, follow up on claim status, and push for fair settlements when needed.

Coverage questions answered quickly: No navigating phone trees or waiting for callbacks. We answer your questions or find the answer fast.

Policy changes made efficiently: Adding a vehicle, increasing coverage, or adjusting your policy happens with one phone call or email to us. We handle the carrier communication.

We've guided clients through complicated claims, helped them understand coverage denials, and connected them with adjusters when the process stalled. Direct carriers don't do that for you. You're just an account number in their system.

Market Changes Work in Your Favor

Insurance markets constantly shift. Carriers enter and exit states, change their appetite for certain risks, adjust pricing strategies, and modify underwriting guidelines. These changes happen whether you're paying attention or not.

When you work with a single carrier or captive agent, market changes can hurt you. Your company raises rates by 20%, and your only option is to accept it or start shopping from scratch with companies you know nothing about.

Independent agents monitor the market continuously. When one of your carriers implements a rate increase, we proactively shop your coverage with our other carriers to see if we can beat your renewal rate. You don't have to do anything. We handle it as part of our ongoing service.

This happened recently with several carriers in South Carolina raising homeowners insurance rates significantly. Clients who were with us didn't just receive a renewal notice with a big increase. They received options. We'd already shopped their coverage and could often move them to a different carrier at their previous rate or lower, with equal or better coverage.

Taking Advantage of Competitive Markets

When insurance markets are competitive and companies are aggressively pursuing new business, independent agents can leverage that competition on your behalf. We know which carriers are offering promotional rates, which ones are hungry for new business in specific lines, and which ones have recently improved their pricing models.

You benefit from market competition without having to request quotes from a dozen different companies yourself. We do that work behind the scenes and present you with the best options.

The Annual Review That Saves You Money

Here's what typically happens when you buy insurance directly from a carrier: you purchase the policy, and then nobody talks to you until renewal time. No one reviews whether your coverage still fits your needs. No one checks whether you qualify for new discounts. No one verifies that your coverage limits are still adequate.

Independent agents conduct annual policy reviews with clients. We look at what's changed in your life—new vehicle, home renovations, business growth, kids getting driver's licenses—and adjust your coverage accordingly. We also check for new discounts you've become eligible for and make sure you're still getting competitive rates.

Life changes that affect your insurance: Marriage, divorce, retirement, children, home improvements, new vehicles, business expansion, credit score improvements, moving, and more.

Discount eligibility updates: You might qualify for discounts now that you didn't qualify for when you first bought the policy.

Coverage adequacy: Home values and replacement costs increase. We make sure your dwelling coverage keeps pace so you're not underinsured.

These annual reviews consistently identify savings opportunities and coverage gaps that would otherwise go unnoticed for years. The relationship with an independent agent is ongoing, not transactional.

What About Online Comparison Sites?

You might wonder whether online insurance comparison sites offer the same advantages as an independent agent. After all, they show you quotes from multiple companies too.

The difference is depth of analysis and ongoing service. Online comparison tools show you price, but they don't explain coverage differences, optimize your discounts, or advocate for you during claims. They're designed to get you to purchase a policy, not to build a long-term relationship.

Online quotes also only reflect what you input. If you don't understand the coverage options and select inadequate limits or high deductibles to lower your price, the comparison tool won't stop you. An independent agent reviews your selections and alerts you to potential problems before you buy.

And once you purchase a policy through an online site, you're on your own. You won't have someone reviewing your coverage annually, shopping your renewal, or helping you through claims. The "savings" you see upfront often cost you more in the long run.

Making the Switch to an Independent Agent

Switching to an independent agent is straightforward. You don't have to wait until your current policy renews, though that's often the most convenient time to make the change since you'll avoid any potential cancellation fees.

Contact us with basic information about your current coverage, and we'll shop it across our carrier network. We'll show you comparable coverage options, explain the differences, and let you decide whether switching makes sense. There's no obligation and no pressure.

If we find you better coverage at a better price, we'll handle all the paperwork, coordinate the effective dates, and make sure there are no gaps in coverage. If your current coverage is already the best option available, we'll tell you that too.

At L. W. Short Insurance Agency, we've helped countless South Carolina residents and business owners discover that the independent agent model delivers better value, better coverage, and better service than they were getting before. See what our clients say about the experience on Google .

Call L. W. Short Insurance Agency or request a free insurance comparison today. Let us show you how much you could be saving with access to multiple carriers and an agent who works for you, not an insurance company.

Frequently Asked Questions

How do independent insurance agents get paid?

Independent agents receive a commission from the insurance carrier when you purchase a policy, similar to how captive agents and direct sales representatives are paid. The difference is that independent agents earn similar commission rates across all their carriers, so they're not financially motivated to recommend one company over another. Your premium is the same whether you buy directly from the carrier or through an independent agent.

Can independent agents really get lower rates than buying directly?

Yes, independent agents often find lower rates because they can compare multiple carriers that compete for your business. Direct carriers only show you their own rates, which may or may not be competitive for your specific risk profile. Independent agents also optimize discounts and bundle options across carriers in ways that often produce savings you can't access buying from a single company.

What happens if I need to file a claim with an independent agent?

When you file a claim, your independent agent serves as your advocate with the insurance carrier. They help you report the claim, explain the process, follow up on claim status, and intervene if problems arise. While the insurance company's adjuster still handles the claim directly, having an agent who knows your policy and can push for fair treatment often results in smoother, faster claim resolutions than navigating the process alone.

Do I have to switch all my insurance policies to work with an independent agent?

No, you can work with an independent agent for some policies while keeping others where they are. However, bundling multiple policies often produces the best savings, so many clients find it beneficial to consolidate their insurance with one independent agent who can manage everything. We can review each policy individually and recommend which ones would benefit from switching and which ones are already well-priced.

How often should I review my insurance coverage with an independent agent?

You should review your insurance coverage annually or whenever significant life changes occur. Annual reviews ensure your coverage limits remain adequate, verify you're receiving all available discounts, and provide an opportunity to shop your policies if rates have increased. Major life events like marriage, home purchases, new vehicles, or business changes warrant immediate reviews to adjust your coverage appropriately.

Hurricane Season in South Carolina: Are You Covered?

Mon, 18 May 2026 02:04:24 GMT

Understanding Hurricane Risk in the Palmetto State

South Carolina's beautiful coastline comes with a price. Every year from June through November, the Atlantic hurricane season brings the threat of devastating storms to our state. If you're like most homeowners and business owners in South Carolina, you've probably asked yourself whether your insurance will actually cover the damage if a major hurricane hits.

Here's the thing: standard homeowners and commercial property policies don't cover everything a hurricane can throw at you. Understanding what's covered and what's not could mean the difference between rebuilding quickly and facing financial disaster.

Let's break down exactly what you need to know about hurricane coverage in South Carolina, so you're not caught off guard when the next storm warning appears.

What Standard Homeowners Insurance Covers (And Doesn't)

Your typical homeowners insurance policy covers wind damage from hurricanes. That means if the storm rips off your roof, breaks your windows, or sends a tree crashing through your living room, you're covered under the windstorm portion of your policy.

But here's what trips people up: flood damage is excluded from standard homeowners policies. Always. No exceptions.

Wind damage: Covered under your standard policy's windstorm coverage, including roof damage, siding, windows, and interior damage from wind-driven rain after structural damage occurs.

Flood damage: Not covered. Requires separate flood insurance, which we'll discuss below.

Storm surge: This is considered flood damage, so it's excluded from standard policies even though it comes from the ocean.

Debris removal and temporary repairs: Typically covered under your standard policy to prevent further damage.

Many South Carolina homeowners don't realize that the water damage that destroys most coastal properties during hurricanes isn't covered by their regular policy. Wind might knock down walls, but storm surge and flooding do the most expensive damage.

The Hurricane Deductible You Need to Know About

South Carolina insurers use something called a hurricane deductible, and it works differently than your standard deductible. Instead of a flat dollar amount like $1,000 or $2,500, hurricane deductibles are calculated as a percentage of your home's insured value.

Most policies have hurricane deductibles ranging from 1% to 5% of your dwelling coverage. If your home is insured for $300,000 and you have a 2% hurricane deductible, you'll pay the first $6,000 out of pocket before insurance kicks in.

The hurricane deductible applies when the National Weather Service officially declares a hurricane watch or warning for your area. Once triggered, this higher deductible applies to all damage from that storm, not just the wind portion.

When Does the Hurricane Deductible Apply?

Your hurricane deductible activates based on official declarations from the National Weather Service, not just when there's bad weather. The specific trigger varies by insurance company, but it's typically when a hurricane watch or warning is issued for your county or a nearby coastal area.

This matters because you could face the higher deductible even if the storm doesn't make direct landfall in your area. A hurricane passing 50 miles offshore can still trigger the deductible if warnings were issued for your region.

Flood Insurance: Your Most Critical Hurricane Protection

The National Flood Insurance Program provides flood coverage for South Carolina homeowners and businesses. Even if you don't live directly on the coast, you should seriously consider flood insurance.

Hurricanes drop massive amounts of rain hundreds of miles inland. Florence in 2018 caused catastrophic flooding across the Midlands and Pee Dee regions, destroying homes that were nowhere near the ocean. Homeowners in Columbia, Myrtle Beach, and communities along the rivers learned the hard way that "not in a flood zone" doesn't mean "safe from flooding."

Coverage limits: Up to $250,000 for residential structures and $100,000 for contents through NFIP; higher limits available through private flood insurance.

Waiting period: 30 days from purchase until coverage takes effect, so don't wait until a storm is approaching.

Cost factors: Based on your flood zone designation, elevation, and coverage amount; properties in high-risk zones pay more.

About one-third of flood insurance claims come from properties outside high-risk flood zones. You don't need to live on the coast to need this coverage. Our team at L. W. Short Insurance Agency can help you evaluate your flood risk and find the right coverage for your situation.

Business Owners: Don't Overlook Commercial Hurricane Coverage

If you own a business in South Carolina, hurricane season poses risks that go beyond property damage. Your commercial insurance policy needs several components to fully protect you during hurricane season.

Business interruption coverage: Replaces lost income when hurricane damage forces you to close temporarily. This coverage pays your ongoing expenses like rent, payroll, and utilities while you're unable to operate.

Equipment breakdown: Protects expensive equipment damaged by power surges when electricity is restored after an outage.

Spoilage coverage: Critical for restaurants and retailers with inventory that requires refrigeration.

Extra expense coverage: Pays for the additional costs of operating from a temporary location while your building is being repaired.

A restaurant in Charleston that closes for three weeks after a hurricane doesn't just lose three weeks of revenue. You're still paying rent, insurance, some staff, and loan payments. Without business interruption coverage, that's all coming out of your pocket while you're earning nothing.

How to Prepare Your Coverage Before Hurricane Season

June 1st marks the official start of Atlantic hurricane season, but you need to review your coverage well before then. Here's what you should do now, not when a storm is forecast.

Review your dwelling coverage amount. Construction costs have jumped significantly in recent years. Make sure your coverage limit would actually rebuild your home at today's prices.

Document your property and belongings. Walk through your home or business with your phone, recording video of every room, expensive items, and the exterior. Store this documentation in cloud storage or email it to yourself.

Understand your deductibles. Know both your standard deductible and your hurricane deductible percentage. Calculate what that percentage means in actual dollars.

Check your flood insurance status. If you have it, verify your coverage limits and make sure the policy is current. If you don't have it, request a quote before you need it.

Review business continuity plans. Business owners should have updated emergency contact lists, off-site backup locations, and documented procedures for shutting down and reopening.

The worst time to discover gaps in your coverage is when you're filing a claim after the storm.

What Happens When a Hurricane Warning Is Issued

Once the National Weather Service issues a hurricane watch or warning for South Carolina, insurance companies stop writing new policies and making coverage changes. You can't increase your limits, add flood insurance, or even bind a new policy during this period.

Insurance companies typically implement a moratorium on policy changes when a named storm enters a specific geographic zone, often when it reaches the Gulf of Mexico or Caribbean. This moratorium remains in place until the storm passes and the threat is over.

That's why reviewing your coverage in April or May is so much smarter than waiting until August when a storm is spinning up in the Atlantic. Once that storm forms, your options disappear.

During the moratorium, you also can't cancel coverage. You're locked in with what you have until the threat passes. This protects insurers from people who try to add coverage only when a storm threatens, then cancel it immediately after.

Beyond Insurance: Physical Preparation Makes a Difference

Your insurance is your financial safety net, but physical preparation reduces the damage in the first place. South Carolina building codes require hurricane straps and reinforced connections in newer construction, but older homes often lack these features.

Consider these protective measures that can also lower your insurance premiums. Many insurers offer discounts for hurricane shutters, impact-resistant windows, reinforced roofing, and secondary water resistance barriers.

Trim trees near your home before hurricane season starts. Clear gutters and downspouts to handle heavy rain. Know where your water shut-off valve is located. Move important documents, medications, and irreplaceable items to upper floors if you're in a flood-prone area.

These preparations won't just protect your property. They demonstrate to insurers that you're a lower risk, which can translate into premium savings.

After the Storm: Filing Your Hurricane Claim

When the storm passes and you're assessing damage, document everything before making repairs. Take photos and videos of all damage from multiple angles. Make temporary repairs to prevent further damage, like tarping a damaged roof, but don't make permanent repairs until the insurance adjuster has seen the damage.

Keep receipts for everything. Temporary repairs, hotel stays if you're displaced, meals if you can't use your kitchen—your policy may reimburse these expenses, but only if you can prove them.

Your insurance company should respond quickly after a major hurricane, but adjusters get overwhelmed when a storm hits a large area. Be persistent but patient. Having an independent agent means you have an advocate working with the insurance company on your behalf.

Report your claim immediately, even if you're still evacuated. The sooner your claim is in the system, the sooner an adjuster will be assigned. Check what our clients say about us on Google to see how we help clients through the claims process.

Getting the Right Coverage for South Carolina Hurricane Season

Hurricane coverage isn't optional in South Carolina. It's a fundamental part of protecting your home, business, and financial security. The question isn't whether you need coverage, but whether your current coverage is adequate.

At L. W. Short Insurance Agency, we work with multiple carriers to find comprehensive hurricane protection at competitive rates. We'll review your current policies, identify gaps, and make sure you understand exactly what's covered before the next storm threatens our coast.

Don't wait until hurricane season is underway to discover you're underinsured. Call L. W. Short Insurance Agency or request a free insurance review today to make sure you're fully protected before the next hurricane warning.

Frequently Asked Questions

Does homeowners insurance cover hurricane damage in South Carolina?

Homeowners insurance covers wind damage from hurricanes, including roof damage, broken windows, and destroyed structures. However, it does not cover flood damage or storm surge, which require separate flood insurance policies. Most South Carolina policies also include a percentage-based hurricane deductible that's higher than your standard deductible.

When should I buy flood insurance for hurricane protection?

Buy flood insurance well before hurricane season begins in June, as policies have a 30-day waiting period before coverage takes effect. Once a hurricane watch or warning is issued, insurance companies stop writing new policies until the threat passes. The ideal time to purchase flood insurance is in early spring, giving you coverage before the peak hurricane months of August through October.

What is a hurricane deductible and how much will I pay?

A hurricane deductible is calculated as a percentage of your home's insured value, typically ranging from 1% to 5%. For a home insured at $300,000 with a 2% hurricane deductible, you'll pay the first $6,000 of damage out of pocket. This deductible applies when the National Weather Service issues a hurricane watch or warning for your area, regardless of whether the storm makes direct landfall near you.

Can I add hurricane coverage after a storm is predicted?

No, insurance companies implement a coverage moratorium when a named storm enters a specific zone, typically when it reaches the Gulf of Mexico or Caribbean. During this moratorium, you cannot purchase new policies, increase coverage limits, add flood insurance, or make any coverage changes. The moratorium remains in place until the storm threat passes, which is why early preparation is essential.

Do I need flood insurance if I don't live on the coast?

Yes, you should strongly consider flood insurance even if you're inland. Hurricanes drop massive amounts of rain hundreds of miles from the coast, causing catastrophic flooding in areas far from the ocean. About one-third of all flood insurance claims come from properties outside high-risk flood zones. Rivers, creeks, and poor drainage can cause devastating flooding during hurricanes regardless of your distance from the beach.

Auto Insurance Coverage Tips for Teens and New Drivers

Tue, 07 Apr 2026 12:00:00 GMT

Insuring a teen or new driver in South Carolina can be costly, but the right coverage and discounts make it more affordable. Car insurance is a legal requirement and a safety net for families. At LW Short Insurance Agency, our local agents help families choose policies that balance protection and cost, keeping new drivers and their vehicles covered.

Understanding South Carolina's Insurance Requirements for Teen Drivers

South Carolina law requires drivers to have minimum liability coverage, but these minimums often aren’t enough for most families. Liability insurance only pays for damage or injuries you cause to other people or their property. It doesn’t cover your own injuries, your vehicle, or accidents caused by uninsured drivers.

Why Many Families Choose Higher Limits

Minimum liability in South Carolina provides $25,000 per person for bodily injury, $50,000 for all persons injured in one accident, and $25,000 for all property damage in one accident. Medical costs and vehicle repairs can quickly exceed minimums, leaving families paying out of pocket. Higher limits not only offer peace of mind, but they also protect family assets.

Adding a Teen to an Existing Policy vs Separate Coverage

Adding your teen to your insurance policy is usually the cheapest choice because it lets you use discounts for multiple drivers or cars. But it’s not always the best option. A separate policy might make more sense if your teen has a history of risky driving, lives elsewhere, or wants to start their own insurance record. The team at LW Short Agency can help your family understand the options and pick the one that works best.

Choosing the Right Coverage for Safety and Financial Protection

Liability Coverage

Liability coverage is the foundation of any auto insurance policy. It's legally required in South Carolina and covers injuries or damage caused to others.

Collision & Comprehensive

Collision and comprehensive coverage are the two policies that come with full-coverage car insurance, alongside liability. Collision insurance pays for damage to your vehicle from a crash, while comprehensive insurance protects against non-collision events such as theft, weather damage, animal strikes, and vandalism.

Medical Payments & Additional Protections

Optional coverage options are also a valuable choice for many young drivers. For example, medical payments coverage helps cover medical expenses, regardless of who caused an accident.

How to Lower Insurance Costs for Teen and New Drivers

From insurer-provided discounts to carefully selected policies, and even the vehicle you choose, there are ways to lower insurance premiums.

Safe Driving Discounts

Safe driving discounts are awarded to drivers with a clean driving history with no accidents or traffic violations. To help new drivers establish a record, the program might use telematics or usage-based insurance options. Discounts may also be awarded to drivers who take a defensive driving course.

Good Student Discounts

High school or college students who meet specific academic requirements can often get insurance discounts. These discounts often provide significant savings for qualifying teens.

Vehicle Choice Matters

Safer, moderately priced vehicles cost less to insure because they reduce the risks of injury and cost less to repair. High-performance models are usually discouraged for younger drivers because they increase risk and are often more expensive to repair.

Policy Structure Savings

How your insurance policies are structured also plays a role in costs. Adding a teen or new driver to a family policy can allow you to lower costs with multi-vehicle discounts. Bundling your home and auto insurance from the same provider can also offer substantial discounts. Regardless of how you bundle and structure policies, a higher deductible will allow you to save on monthly premiums. However, it comes with the trade-off of paying more out of pocket when an accident occurs.

Get Personalized Coverage Guidance for Your Teen Driver Today

When it comes to putting new drivers on the road, every family's situation is different. Personalized advice from an experienced insurance professional ensures the best balance of protection and affordability. Our friendly, educational approach at LW Short Insurance Agency supports the needs of first-time insurance buyers and ensures you fully understand all your insurance options. Reach out today to learn more about insurance options for new drivers in South Carolina!

Image Credit: Lopolo // Shutterstock

How Safety Features Can Reduce Your Car Insurance Rates

Tue, 24 Mar 2026 12:00:00 GMT

Modern safety features make driving a much easier and more enjoyable task. From safety features to awareness alerts to anti-theft and more, South Carolina drivers have tons of tools in their arsenal to make it safely from point A to point B. Not only that, but they can even leverage these assets to save on car insurance. Find out how that works to make the best decision for your future vehicle purchases.

Advanced safety features can lower your insurance costs.
Airbags, anti-theft systems, and more are some of the best for lower rates.
South Carolina even incentivizes these features with insurance discounts.

Car Safety Features and How They Affect Insurance

Car safety features significantly enhance protection for drivers and passengers, potentially leading to lower insurance premiums. These technologies are designed to prevent accidents and lessen injury severity during collisions. South Carolina drivers who choose vehicles with advanced safety systems can benefit from notable insurance savings.

Insurance companies evaluate the risk of insuring a vehicle by examining the likelihood of accidents and potential claim costs. Cars equipped with comprehensive safety features are often seen as lower risk, which translates to reduced insurance premiums. These features help prevent accidents or minimize damage, leading to fewer claims and lower costs for insurers.

Many insurance providers offer incentives to encourage the use of vehicles with advanced safety features. These incentives often include premium discounts, making it financially advantageous to opt for safer vehicles.

Safety Features That Can Lower Your Insurance Rates

Choosing a car with the right safety features can lead to noticeable savings on your insurance. These features not only protect you and your passengers but also reduce the likelihood of accidents and theft, which insurers reward with lower premiums. You still need to know what features to look for, so try to find a vehicle with at least some of these options:

Airbags and Insurance

Airbags are one of your best assets for minimizing injuries during collisions. By cushioning the impact, they help reduce the severity of injuries and fatalities. Insurance companies often offer lower premiums for vehicles with modern airbag systems, recognizing the added safety they provide. South Carolina drivers can benefit from these savings by ensuring their vehicles have the latest airbag technology, including front, rear, and side airbags.

Collision Avoidance Systems

Collision avoidance systems are designed to prevent accidents by using sensors and cameras to detect potential hazards. They can automatically apply brakes or alert drivers to take action, reducing both the frequency and severity of accidents. Insurers appreciate the reduced risk these systems offer and often provide discounts for vehicles equipped with this technology.

Anti-Theft Devices and Insurance Savings

Cars with anti-theft devices are less likely to be stolen, which can lead to lower insurance costs. Alarms, immobilizers, and tracking systems deter theft and improve the chances of recovering a stolen vehicle. Insurance companies typically offer discounts to policyholders who install these devices, as they lower the risk of theft-related claims.

Special Considerations for South Carolina Drivers

South Carolina offers specific incentives for drivers who prioritize vehicle safety. The state encourages the use of safety features by providing auto insurance discounts or tax credits for electric or green vehicles; these models are typically equipped with advanced systems. Additionally, some insurers offer special programs that reward safe driving behaviors, further reducing premiums for responsible drivers. It's important for South Carolina drivers to ask about these local discounts and programs to maximize their insurance savings.

Tips for Maximizing Insurance Savings with Safety Features

To get the best rates, consider these tips:

Regularly Update Safety Features: Keep your vehicle's safety systems up to date to maintain eligibility for discounts.
Communicate with Your Insurance Provider: Inform your insurer about any new safety features or devices added to your vehicle to ensure you receive applicable discounts.
Shop Around: Compare quotes from different insurers to find the best rates for vehicles with advanced safety features.
Consider Usage-Based Insurance: Some insurers offer discounts for safe driving habits monitored through telematics devices.

Drive Safer for Less Today

Investing in car safety features not only enhances your protection on the road but also offers financial benefits through reduced insurance premiums. South Carolina drivers can take advantage of these savings by choosing vehicles with advanced safety systems while staying informed about local discounts and incentives.

For more personalized advice on vehicle safety and coverage options, consult with LW Short Insurance Agency. Get in touch today for the best coverage that helps to keep you on the road for less.

Image Credit: Dima Plotnikov / Shutterstock

How Weather Can Impact Your Home and Auto Insurance Rates in South Carolina

Tue, 17 Feb 2026 12:00:00 GMT

In the Palmetto State, our relationship with the weather is central to life. From the humid summer afternoons to the height of hurricane season, South Carolinians are well-acquainted with the power of nature. However, many residents are surprised to learn how significantly these weather patterns influence their insurance premiums.

Why Extreme Weather Plays a Role in Insurance Rates

South Carolina is uniquely vulnerable to a variety of severe weather events, including hurricanes, tropical storms, inland flooding, and severe wind. When insurers determine rates, they evaluate the regional exposure and historical claims data of a specific area. It is important to understand that these adjustments are rarely about individual fault; rather, they reflect the overall cost of doing business in a high-risk geographic zone.

As repair and rebuilding costs rise, often fueled by increased demand for labor and materials following a major storm, insurance companies must adjust their pricing to ensure they remain financially stable and ready to pay future claims.

Weather-Related Factors That Can Affect Home and Auto Coverage

Different types of weather impact your policies in various ways. It is essential to review your specific policy details, as coverage terms and deductibles often vary based on your home's proximity to the coast or its flood zone designation.

Wind and Hurricane Damage: Most standard homeowners policies in South Carolina include coverage for wind damage , but many, especially in coastal counties, feature a separate "Hurricane" or "Named Storm" deductible. This is often a percentage of your home's total insured value, rather than a flat dollar amount.
Flooding and Storm Surge: A common misconception is that standard homeowners' insurance covers flood damage. In reality, damage from rising water or storm surge typically requires a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier.
Auto Insurance and Catastrophes: For your vehicle, weather events like hail, falling trees, or flooding are generally covered under the comprehensive portion of your auto insurance. If you only carry liability coverage, your vehicle may not be protected against these natural perils.

Practical Steps South Carolina Residents Can Take to Reduce Weather-Related Risk

While no one can eliminate the risk of a natural disaster, taking proactive steps can help mitigate potential damage to your property. Consider the following as part of your home and auto maintenance:

Maintain Your Roof and Drainage: Ensure shingles are secure and gutters are clear to prevent water intrusion during heavy South Carolina downpours.
Secure Outdoor Items: Before a storm, move patio furniture, potted plants, and decorations inside so they do not become dangerous projectiles in high winds.
Review Flood Maps: Even if you live inland, flooding can occur. Check your current flood zone designation and consider a separate flood policy even in low-risk areas.
Protect Your Vehicles: If severe weather or hail is forecast, park vehicles in a garage or under a sturdy carport whenever possible.

How an Insurance Agent Can Help You Prepare for South Carolina Weather

Navigating the complexities of storm coverage and deductibles can be overwhelming. This is where the value of a dedicated insurance specialist becomes clear. At LW Short Insurance Agency , we take pride in our service-first philosophy.

As an independent agency with over 20 years of experience, we represent several leading insurance companies. This allows us to monitor the marketplace and compare options across multiple carriers to find the coverage structure that best fits your needs. Our agents are here to help you review your policy before storm season begins, ensuring you understand exactly how your coverage works when it matters most. Ready to learn more about how we can help? Contact us today .

Image credit: // Shutterstock // Arif7871

Flood Insurance Essentials Every South Carolina Homeowner Should Know

Mon, 26 Jan 2026 12:00:00 GMT

Flooding is one of the most common and costly natural disasters in South Carolina, and major flooding events have increased over the last 50 years , especially since 2016. Whether the water comes from coastal storms or inland flash flooding, water damage can affect homes far beyond designated flood zones.

Yet, many South Carolina homeowners learn the hard way that standard homeowners' insurance does not cover flood-related losses. Knowing how flood insurance works and what goes into picking the right coverage can help you protect your property and financial stability.

Why Flood Insurance Matters in South Carolina

South Carolina's geography and climate make flooding a persistent risk. Coastal storms and hurricanes can push storm surge inland, while prolonged rainfall can overwhelm drainage systems and cause rivers and creeks to overflow. For instance, during Hurricane Florence in 2018, large parts of the state experienced historic rainfall, leading to widespread flooding far from the coast. Communities along the Pee Dee and Waccamaw Rivers saw neighborhoods inundated for days, including many homes outside officially designated high-risk flood zones.

Nearly one-third of flood insurance claims nationwide come from properties located outside high-risk flood areas. Events like Florence illustrate how easily homeowners can be caught off guard, especially when repairs, cleanup, and temporary housing costs begin to add up.

Flood insurance helps protect against these unexpected expenses. Rather than relying on disaster assistance, which is often limited and not guaranteed, a flood policy provides a defined level of financial protection. For South Carolina homeowners, that protection can be the difference between recovering quickly and facing long-term financial strain.

Understanding Flood Insurance Coverage

Flood insurance policies typically fall into two main categories: building coverage and personal property coverage. Building coverage helps pay for damage to your home's structure and systems, including its foundation, electrical and plumbing systems, HVAC equipment, and major appliances. Meanwhile, personal property coverage covers the belongings inside your home, such as furniture, clothing, and electronics.

Standard flood policies usually cover damage caused by rising water from storms, heavy rainfall, or overflow of inland or tidal waters. However, there are exclusions to be aware of. Items stored in basements, outdoor property, and certain improvements may have limited or no coverage, depending on the policy.

Policy Requirements and Local Regulations

Homes situated in high-risk flood areas with federally backed mortgages are often required to carry flood insurance through the National Flood Insurance Program. Even when it isn't mandatory, many homeowners who live in flood zones choose coverage based on risk rather than on requirements. Flood policies typically have a waiting period before coverage begins, so you'll want to get it sooner rather than later. You'll also need to renew your policy every year, and changes in flood maps or property use can affect coverage needs over time.

Local building codes and ordinances in South Carolina can also influence how claims are handled and what repairs are required after a flood. Working with an experienced insurance professional helps ensure your policy aligns with both state regulations and local requirements.

How to Protect Your Home and Get the Right Policy

Choosing the right flood insurance policy starts with understanding your risk. Review the most recent flood maps, evaluate past weather patterns, and document your home and belongings to help support better coverage decisions.

Coverage limits should reflect current rebuilding costs and the value of personal property, not just the purchase price of your home. An annual policy review is also a smart way to account for renovations, new belongings, or changes in flood risk.

Flood insurance is not one-size-fits-all. Taking the time to plan now can help protect your home and give you confidence when severe weather strikes. Contact LW Short Insurance Agency for a personalized flood insurance review, quote, and personalized guidance tailored to your property and location.

Image Credit // Shutterstock // PeopleImages

Common Car Insurance Mistakes to Avoid in South Carolina

Fri, 23 Jan 2026 12:00:00 GMT

Car owners in South Carolina face unique challenges when choosing the right coverage, and even small mistakes can lead to higher premiums or gaps that leave you unprotected. At LW Short Insurance Agency, we help you understand the most common car insurance errors in SC so you can make confident choices that safeguard both your wallet and your vehicle. Learn about the pitfalls that often catch drivers off guard and discover how our expertise can help you avoid costly surprises.

Understanding Car Insurance Coverage in South Carolina

South Carolina requires every driver to carry liability insurance, but meeting the minimum requirements doesn’t always provide sufficient protection. When you explore your options under South Carolina auto insurance, you see how different coverage limits and add-ons shape your financial security after an accident. Understanding these choices helps you avoid becoming one of the many underinsured drivers in the state and ensures your policy supports you when you need it most.

Common Car Insurance Mistakes SC Drivers Make

Many drivers are unaware of how minor oversights can lead to costly car insurance mistakes, resulting in denied claims, higher premiums, or gaps in coverage. When you know what to avoid, you protect your wallet and strengthen your policy. These are some of the most frequent insurance policy pitfalls that South Carolina drivers face, along with tips on how to avoid them.

Overlooking Underinsured Motorist Coverage

Given the high number of underinsured drivers in South Carolina, forgoing underinsured motorist protection is a major financial risk. Underinsured Motorist Coverage steps in when an at-fault driver's insurance is insufficient to pay for your repairs and medical costs. Without it, you are personally responsible for the significant expenses the other driver cannot cover.

Not Comparing Insurance Quotes

Relying on a single carrier limits your options and may result in higher premiums. Shopping around helps you avoid high premiums and find better coverage. Independent agencies like L.W. Short Insurance compare multiple carriers for you, giving you the flexibility to choose competitive pricing without sacrificing protection.

Ignoring Safe Driver Discounts

Many insurers offer safe driver discounts to individuals with clean driving records, those who have completed defensive driving courses, or those with low-mileage habits. Overlooking these opportunities means you pay more than you need to. Maintaining consistent, responsible driving not only protects you on the road but also lowers long-term costs.

One potentially significant discount customer often declines is a telematics program (like Progressive's Snapshot or Travelers' IntelliDrive). Telematics collects data directly from the insured driver on characteristics like speed, braking, and acceleration, allowing companies to rate the policy based on individual driving habits. While some people decline due to privacy concerns, this is a method to receive a more tailored rate, potentially saving up to 30%. On the downside, if your driving habits are not what the insurer is looking for, it can negatively impact your premium.

Misjudging Coverage Needs for Teen Drivers

Adding a teenager to your policy affects pricing, but reducing coverage to offset the increase may create significant gaps. For teen driver insurance in SC, pairing liability protection with collision and comprehensive coverage keeps young drivers protected while minimizing out-of-pocket expenses after an accident.

Failing to Review and Update Policies Regularly

Life changes like buying a new car, moving, or upgrading your home can affect your insurance needs. LW Short Insurance Agency, can help you review your policy regularly to make sure your coverage keeps pace with your life. Staying up to date ensures you have the right limits and protections in place to safeguard your family and your assets.

Tips to Keep Your Premiums Low and Coverage Solid

Simple habits help you strengthen your protection and avoid high premiums. When you stay proactive, you reduce gaps, improve your coverage, and keep your policy working for you. A knowledgeable agent makes the process even easier by helping you compare options and spot problems before they lead to claim issues.

You can stay protected with driver insurance tips:

Reviewing your policy at least once a year
Asking about available discounts
Updating coverage after significant life changes
Comparing quotes with an independent agency
Keeping a clean driving record

Protect Your Finances with Smart Coverage

Avoiding common mistakes with the help of LW Short Insurance Agency helps you save money, strengthen your protection, and feel confident behind the wheel. This SC car insurance guide provides the clarity to choose coverage that supports your needs today and adapts as your life changes. L.W. Short Insurance Agency offers guidance, comparison options, and trusted support from a local team that puts you first. If you want professional help reviewing your policy, contact L.W. Short Insurance Agency .

Image Credit: Take Production Studios // Shutterstock

How to Lower Your Home Insurance Premium in South Carolina

Thu, 18 Dec 2025 12:00:00 GMT

The average $300,000 home in South Carolina has a $2,611 annual home insurance bill, adding over $200 to your monthly mortgage payment. These prices are also on the rise as South Carolina homeowners face increased risks from tropical storms and flooding. But there are several strategies you can use to lower your home insurance premiums without compromising on protection and peace of mind. At LW Short Insurance Agency, we work with each of our clients to find the right home insurance premium in SC, and we know what tactics can lead to lower insurance costs. Read this quick guide and contact us to get started.

Steps You Can Take to Lower Your Home Insurance Premium

If your goal is to lower your monthly premium, there are different changes you can make to your policy while still maintaining enough home safety insurance to satisfy your mortgage company and your own requirements. Consider these steps:

Consult with LW SHORT INSURANCE. They can streamline the process by comparing multiple policy options and quotes from different providers to find the best premium for your needs.
Increase your deductible. A higher deductible will lower your premium, but you'll have more to pay out-of-pocket if you file a claim. For handy homeowners or homeowners okay with risk, this can be a great strategy. (Conversely, you can reduce your insurance deductible if you'd rather have a higher monthly fee but lower upfront costs in an emergency.)
Home maintenance can prevent claims that would increase your premium. In addition to routine care, certain home improvements can make your property safer—and may even qualify you for discounts on your policy. Features like a monitored home security system, hurricane shutters, or a newer, more durable roof can reduce risk, strengthen your home's protection, and potentially lower your insurance costs over time.

These changes can have a direct impact and lower insurance costs.

Discounts Available for Homeowners in South Carolina

Many insurance providers also offer insurance discounts that you may qualify for. For example, you might qualify for loyalty discounts or discounts due to years without making claims. But when you're considering switching to a new provider, you can't access those discounts yet. Instead, ask if you receive a lower premium if you bundle home and auto insurance. Also, ask if additional policies, like hurricane insurance in SC, can lower your home insurance policy costs or give you a discount for signing up for more robust coverage.

Home Maintenance Actions That Can Lower Home Insurance Premiums

If you're looking for budget-friendly SC home insurance tips, home maintenance can play a significant role in keeping your insurance premiums lower. Keeping your gutters clean, checking your plumbing every season, and cleaning out your dryer vent all reduce the risk of you having to make a claim for a new roof, water damage, or a fire. Keeping your home low-risk is one of the most effective ways to see a lower home insurance premium in SC over time.

Effective Policy Bundling for Lower Home Insurance Premiums

Bundling your insurance policies with a single provider offers several benefits. You can lower insurance costs by getting a discount for choosing home insurance and car insurance from the same company. This also offers benefits like easier bill paying and simplified claims management because all of the details are in one place.

In some instances, bundling can save you money, but in some cases, shopping with multiple providers separately can be beneficial. An Agency, like LW Short Insurance, can do both and look at it multiple ways to get you the best deal. The benefits of using an independent agency are that they can shop multiple providers, where they can look at all your options to get you the best price.

Get a Quote Today

At LW Short Insurance Agency, you can help simplify the insurance comparison process. Our agents can put together quotes from different providers and with different policy options, including different coverage types, different coverage levels, and different deductibles, to see what works best. Contact us today to get a quote and start exploring your options.

Featured Image: Prostock-studio / Shutterstock

Five Easy Ways to Prepare Your Home For the Holidays

Wed, 10 Dec 2025 12:00:00 GMT

As soon as the clock strikes midnight on November 1, it's as if there's a sudden change. Pumpkins and cornstalks yield the floor to evergreen trees and inflatable reindeer. Candy corn and creepy gummies seem to magically turn into candy canes and fancy chocolates. Mariah Carey breaks forth from the ice and takes over Adult Contemporary radio with her Christmas list.

All of these hallmarks can only mean one thing: the Holiday season is upon us. With it, a sudden realization sets in - this is your year to host the family for both Thanksgiving and Christmas festivities!

It may seem overwhelming, the need to prep. However, there's no need to panic. Below, you'll find a seamless five-point plan to help you get your home ready for the Holidays as quickly and as painlessly as possible.

1: Clean and Clear Out the Clutter - This is one of the most frustrating parts of getting your home ready for company. At least, it feels that way sometimes. In reality, it doesn't have to be so hard. Make cleaning and decluttering easier by taking things step by step. Declutter first, going through things that can be donated, sold, or simply tossed out. Once your home is free of clutter, give your home a good, thorough cleaning. That could simply mean going around with a vacuum once or twice, or giving the entire place a strong deep clean.

2: Stock Up On the Essentials - Hosting means you're probably going to have guests come in from out of town. Some of those guests may have accommodations elsewhere, while others may opt to stay with you. Make those guests staying with you feel as welcome as possible by stocking up on clean bedding, fresh towels, hygiene products, food, and beverages.

3: Pile On the Holiday Cheer - So, you've cleaned up. Stocked up on the essentials. Yet, your house doesn't quite feel as full of Holiday cheer as you'd like. This means it's time to start decorating! Your decor can be as simple or as elaborate as you'd like it to be. For some, it's as simple as a nice table setting and a few lit evergreens placed tastefully around the house. For others, it's turning the house into a true winter wonderland, with fake snow and reindeer, and perhaps a vision of jolly old Saint Nick himself...

4: Deck the Halls With Scents of the Holidays - Smells make up a great percentage of the atmosphere in your home. If you have Christmas trees and decorations set up all around, but the scent wafting around is making guests think of palm trees and Bahama breezes, it's not going to feel so Holiday-cozy. Utilizing seasonal scents, such as cinnamon and freshly-cut evergreen, will make your house feel like a living embodiment of the Holiday season.

5: Utilize the Sounds of the Holidays - For a nice final touch, get your guests in the spirit of the season by playing Holiday music. This can be anything from lovely choral Christmas hymns to more modern Christmas classics. Create a playlist of one, the other, or a mix of both!

2025 Holiday Events in Myrtle Beach

Wed, 10 Dec 2025 12:00:00 GMT

We've reached the end of November, which means the Holidays are in full swing around here. Myrtle Beach always offers plenty for families to do during the season - this year is no different! Let's take a look at some of the Holiday goings-on in Myrtle Beach for 2025.

EVENTS AND FESTIVALS:

NOVEMBER 28 - JANUARY 4: Winter Wonderland at the Beach, Burroughs & Chapin Pavilion Place

DATES TBD: Nights of a Thousand Candles, Brookgreen Gardens, Murrells Inlet

NOVEMBER 25 - DECEMBER 30: The Great Christmas Light Show, North Myrtle Beach Park & Sports Complex

DECEMBER 6, 7, 13, & 20: A Rivertown Christmas, Downtown Conway

DECEMBER 31, : A Southern Times Square, The Market Common

TREE LIGHTING CELEBRATIONS:

NOVEMBER 29, 5:30PM: Ripley's Aquarium Festival of Trees Lighting Ceremony

DECEMBER 2, 6PM: North Myrtle Beach Christmas Tree Lighting

DECEMBER 4, 6PM: City of Conway Tree Lighting

DECEMBER 4, 4PM - 7PM: Town of Surfside Beach Christmas Tree Lighting

DECEMBER 6, 4PM - 6PM: Murrells Inlet Christmas Tree Lighting

HOLIDAY PARADES:

NOVEMBER 30, 5PM: Intracoastal Christmas Regatta, Intracoastal Waterway, Little River

DECEMBER 5, 6PM: Loris Christmas Parade, Downtown Loris

DECEMBER 6, 11AM: A Very Broadway Christmas Parade, Broadway At the Beach

DECEMBER 6, 5:30PM: North Myrtle Beach Christmas Parade, Main Street, North Myrtle Beach

DECEMBER 7, 3PM: Holiday Golf Cart Parade at Barefoot Landing, Barefoot Landing, North Myrtle Beach

DECEMBER 13, 2PM: Surfside Beach Christmas Parade

DECEMBER 13, 10AM: City of Conway Christmas Parade

DECEMBER 14, 3PM: Murrells Inlet Christmas Parade

Putting Your Disaster Preparedness Kit Together

Wed, 15 Oct 2025 12:00:00 GMT

In the event of a disaster, it's important to have enough supplies to get you through, at the very least, the first 72 hours of the event. Those first 72 hours are often the worst, especially when it comes to emergency crews navigating damage to restore crucial resources, such as power. You could honestly go without those crucial resources for longer than 72 hours. For this reason, it's very important to have enough resources in any Disaster Preparedness kit to last a week, if not a little longer.

Below, you'll find some of the most important items to put in any Disaster Preparedness kit.

DISASTER PREPAREDNESS MUST-HAVES:

Water, two gallons of water per person per day for at least three days, for drinking and sanitation
Food, at least a three-day supply of non-perishable food
Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
Flashlight and extra batteries
First aid kit
Whistle to signal for help
Moist towelettes, garbage bags and plastic ties for personal sanitation
Wrench or pliers to turn off utilities
Manual can opener for food (if kit contains canned food)
Local maps
Cell phone with chargers
Prescription medications and glasses
Infant formula and diapers
Pet food and extra water for your pet
Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container
Family emergency contact information
Cash or traveler's checks and change

Some additional items to consider include sleeping bags, warm blankets, fire extinguishers, matches in waterproof containers, and a multi-purpose tool.

SC's Hands-Free/Distracted Driving Law: The Basics

Tue, 07 Oct 2025 12:00:00 GMT

A "distraction" is listed as anything that takes your attention away from the road while driving. This could be anything from a backseat argument to feeling the need to answer a text message. In fact, mobile device use presents the highest risk for getting into an accident while driving than most other distractions today.

To help prevent accidents related to drivers being distracted by their mobile devices, South Carolina has introduced a new Hands-Free/Distracted Driving Law. The law goes into effect on September 1, 2025.

Under this new law, drivers are no longer allowed to:

Hold or support a mobile device with any part of their body*.
Use a mobile device to read, compose, or transmit texts, emails, app interactions, or website information.
Watch motion on a mobile device, including a video, movie, mobile game, or video call.

Violations of this new law could lead to fines and points being taken off of your license. As harsh as that sounds, the state is leaving some room for leniency for the first 180 days the law is in effect. During that time, law enforcement will be able to issue warnings, as opposed to handing out tickets immediately.

That doesn't mean you're free to just use your mobile device behind the wheel for the first three months the law is in effect. Use this time to practice safe driving habits. Keep your phone out of your hands and your eyes on the road - we'll all be better off for it!

Top Road Trip Destinations in South Carolina

Tue, 22 Jul 2025 12:00:00 GMT

Some of the best vacations you'll ever take over summer break will be in your own home state, without a doubt. From the mountains to the coast, there's something for everyone here in South Carolina! Let's take a look at some of the top road trip destinations here in our own backyard.

Hilton Head Island: Hilton Head is one of the top beach destinations in the country, and it happens to be closer to you than you think! The island is full of parks and trails to explore for nature lovers. There's also plenty of sand and surf to enjoy, dolphin watch tours, and opportunities to check out the panoramic views offered by the iconic Harbour Town Lighthouse.

Charleston: This quaint oceanfront town is a top destination for history buffs. Charleston is chock full of historic homes and buildings to admire and explore. Civil War historians will find plenty to see at Fort Sumter and beyond. More into the scary side of things? Local ghost tours take you through eerie landmarks, such as battlefields and pirate forts. No matter what you do, you'll need to make sure you take time to explore the City Market and enjoy some excellent local cuisine at one of many Charleston hot spots.

Myrtle Beach: This is the first spot everyone thinks of when it comes to planning a road trip in SC. Myrtle Beach has plenty of fun things to see and do for all members of the family. Theme parks, haunted houses, beaches, gardens, a zoo, and even a castle(!) are all waiting for you here. For the big kids, there's plenty of vibrant night life to take in.

Greenville: Looking for a getaway to the mountains? Greenville is the place you're looking for. This beautiful city features a route to part of the Blue Ridge in the Northeast, giving you access to waterfalls and trails. After a full day of exploring the natural wonders Greenville has to offer, there are plenty of breweries and restaurants - excellent places to kick back and relax!

The Easiest Ways to Keep Your Vehicle Cool This Summer

Thu, 17 Jul 2025 12:00:00 GMT

One of the hottest places you can be in the middle of the day isn't on the sand or on the pavement, it's in your car. The longer the sun beats down on your ride, the more the inside of it becomes an oven. There's good news, though: you can prevent this from happening! Here are a few ways you can cool your car down on the hottest days.

Stay in the Shade: This is one of the most cost-effective ways to keep the inside of your car from becoming a broiler. If you can find a place in the shade to park your vehicle, it'll make a big difference in your car's temperature. For the best result, make sure your windshield and most of the glass on your vehicle are in the shade.

Crack Your Windows: Cracking your windows even the slightest bit can keep heat from getting trapped in your car. We offer this tip with a bit of caution, though. Keeping your windows cracked can be an open invitation for thieves to take the valuables in your vehicle, or your vehicle itself. Only crack your windows if you know the area and you feel that it's safe to do so.

Crank the A/C: While not the most cost-effective way to keep your vehicle cool, it's probably the easiest. Starting your vehicle up and letting the A/C run for a bit won't miraculously turn it into an icebox, but it will make a slight difference. If you have a vehicle with remote start, it makes this step much easier!

Get a Sunshade or a Car Cover: Honestly, you really couldn't go wrong with buying both! Sunshades, window shades, and car covers can all help keep your vehicle cool inside as the temperatures rise outside. Mylar shades and fitted car covers yield the best results, but any kind of shield from the sun's rays is better than none.

Easy Ways to Save Energy This Summer

Thu, 17 Jul 2025 12:00:00 GMT

Energy bills tend to skyrocket during the summer. HVAC and air conditioner usage plays a major role in those rising costs, but there are other factors driving energy bills up as well. Below, you'll find our top ten tips to help you conserve energy - and save big on energy bills - this summer.

1: Buy and install a Smart thermometer to help precool your home.

2: Use a dehumidifier in your home to help reduce summertime humidity.

3: Treat your windows to help keep heat out.

4: Run dishwashers, washers, and dryers outside of peak hours

(usually 2-6pm)

5: Give your central air system or air conditioner a tune up.

6: Replace your heat pump filters at least once per quarter.

7: Consider investing in Energy Star-rated appliances.

8: Use power strips and smart plugs.

9: Use LED lights to help reduce energy usage and extra heat in the home.

Five Tips For Creating the Best South Carolina Garden this Spring

Thu, 22 May 2025 12:00:00 GMT

Gardening is both an art and a science. It takes creativity, an eye for detail, and an innate awareness of the conditions in your area to yield proper crops and plants. In South Carolina, especially here on the coast, a little help goes a long way toward helping your garden grow. Let's take a look at five top tips for creating a beautiful South Carolina garden.

1: Don't Ignore the Power of Proper Watering Growing plants, especially vegetables, need all the water they can get. Many of the plants in your garden need up to an inch of water per week to thrive. They also want you to water as deep as you can, right at the base at least twice a week to allow the roots to drink up as much water as possible. A daily spritz of the leaves of your plants does your garden no good.

2: Drop Some Mulch and Compost Mulch is very beneficial to the plants in your garden. It retains moisture and keeps the soil cool, which is crucial as our weather begins to heat up this time of year. Mulch also keeps weeds at bay and helps prevent plant disease. Composting is just as beneficial, as it gives your plants the nutrients they need to thrive. Mulching and composting together can make a huge difference for your garden!

3: Know When to Fertilize Fertilizer can be great for many plants. It can also be detrimental to the growth of others. Read up on which plants need fertilizer to thrive and which plants can go without it, as knowing will help you keep your garden healthy.

4: Add Some Flowers to Your Garden Flowers are a beautiful addition to any garden, as we all know. However, did you know that they also have their ways of keeping flowers safe from insects that will destroy them? Certain flowers draw pollinating insects that eat intrusive pests. All the more reason to add those zinnias you've been eyeing at the nursery!

5: Know When to Plant Proper plant growth depends heavily on when you begin planting your seeds. Clusters of states are divided into zones, all of which give "deadlines" of sorts for planting your garden. In Horry County, we're in Zone 8B, which means we were able to start planting many of our crops indoors as early as mid-February. In order to know when to start your garden for best results, search for more information on Zone 8B to discover optimal time ranges.

Advice From the Almanac

Thu, 22 May 2025 12:00:00 GMT

There are few better sources for gardening info than the Almanac! Here are a few quick suggestions for creating a great garden from this time-tested source.

Use safe insect control measures to protect your garden from pests.
Mow your lawn to recommended heights by grass type.
Finish pruning spring-flowering trees and shrubs shortly after they bloom.
Lay plenty of mulch to help retain moisture during dry spells.
Prepare thoroughly for hurricane season.
Lay mulch between your garden rows to help control soil temperature and moisture levels.
Check plants regularly for diseases and insects and treat when necessary.
Water your plants early in the morning (optimally before sunrise), and make sure to water deep.
Maintain a healthy lawn by mowing, watering, and fertilizing it regularly. It's best to fertilize with control-released nitrogen.

Keep Pollen From Clinging to Your Car

Fri, 18 Apr 2025 12:00:00 GMT

Cars are pollen magnets. No matter where you park it, pollen finds a way. Let's take a look at how you can keep pollen from clinging to your car.

1: Wash Pollen Away ASAP In our neck of the woods, pollen latching onto our cars is an everyday thing. Essentially, you're going to want to wash your car as often as possible. Whether you spray it down or run it through a car wash, washing your car as soon as pollen begins to build up keeps the spiky substance from latching in. Refuse the urge to brush it off with your hand, as pollen can scratch your paint job when brushed away while dry.

2: Wax On, Wax Off Giving your car a coat of wax while washing can reduce pollen's chances of hanging on to your car for the ride. It also reduces pollen's chances of scratching your car as it blows away. If you run your car through an automated car wash, many cleaning packages will take care of this step for you!

3: Use Windshield Water Repellent Windshield water repellents serve many purposes. One of those purposes happens to be making your windshield too slick for pollen to stick around. Much like waxing your car, applying water repellent to your windshield as you're washing your car can save you a lot of headaches (literally) in the long run.

Don't Let Pollen Invade Your House

Fri, 18 Apr 2025 12:00:00 GMT

Pollen is incredibly sneaky. It sticks very well to anything that touches it, and that includes, well, you. Once it's in your home, pollen mingles with other allergens to make life unbearable for anyone in its path. Below, we've compiled a list of ways to help you keep pollen out of your home.

- Wash your bedding on a regular basis.

- Put allergen-resistant covers on pillows and mattresses.

- Take off shoes, coats, and other outerwear before entering your home.

- Place doormats inside and outside of your home.

- Shower and change as soon as you get inside.

- Pick a vacuum cleaner with a HEPA filter.

- Vacuum frequently, emptying bagless vacuums outside.

- Dust regularly, starting high and working your way down.

- Keep blinds, curtains, and ceiling fans clean.

- Bathe your pets often.

- Keep your windows closed during peak pollen season.

- Replace your AC filters with HEPA filters.

- If you have a garage, park in it as often as possible.

- Keep outdoor furniture clean and pollen-free.

Resolve to Handle the Basics

Tue, 18 Feb 2025 12:00:00 GMT

We always want to jump into the deep end of the pool head first. The key to keeping our resolutions, however, is starting small. Sticking a toe in the shallow end, as they say. Below, you'll find five basic "smaller" resolutions that'll ensure your bigger resolution to take care of your home gets off on the right foot.

1: Resolve to Assess Your Home Before you can improve your home, you should know what it needs. To discover what it needs, you'll need to assess your home's overall condition. Kick off your home assessment by creating specific needs lists by type: mechanical and structural, cosmetic, and other. Then, take those lists and go room to room. Look for issues, and document the needs of your home.

2: Resolve to Build an Emergency Fund It's easy to be caught off guard by sudden issues that arise with your home. Pipes spring leaks. HVAC systems stop working. These things sound like nightmares, but they don't have to be. Resolve to build an emergency fund for your home that you contribute a little to each payday. By doing so, you ensure that sudden repairs won't catch you by surprise!

3: Resolve to Maintain Your HVAC System Your HVAC system is what keeps your home feeling nice and cozy, no matter the temperature. It can be a real pain when your HVAC system goes out beyond the realm of repair, forcing you to cover the cost of a new one. From changing your air filters to calling a pro to tune it for each season, resolving to properly maintain your HVAC system will keep it running like new.

4: Resolve to Test Your Alarms This goes for both smoke and carbon monoxide detectors! Your smoke alarms are probably the best line of defense you have at detecting potential house fires, just as carbon monoxide detectors keep you safe from dangerous poisoning. Alarms with fading batteries, or alarms that are failing in general, put your family in serious danger. Make sure to swap out the batteries in your alarms as needed, or if your alarms have aged out and no longer work properly, switch them for new ones.

5: Resolve to Clean Your Gutters Sure, cleaning your gutters can be a pain. To be honest, it seems like cleaning them really serves no purpose, right? That kind of thinking can be harmful to your home. Clear gutters keep the drainage system of your home performing efficiently. If your gutters are clogged, they can't drain properly, which can lead to serious water damage. As much of a pain as the task can be, resolve to clean your gutters at least once every three months. It makes a difference!

Three Extra New Year's Resolutions to Make For Your Home

Tue, 18 Feb 2025 12:00:00 GMT

Once you've covered the basics, you can get to the cosmetic stuff. Here are a few extra New Year's resolutions you can make to improve the look and feel of your home.

Streamline and Declutter Extra clutter can make your home feel claustrophobic and, well, not cozy. Those old shoes you don't wear anymore? The old clothes that no longer fit your kids? Dusty books you haven't read in years? Resolve to make them part of a streamlining and decluttering process. This gives you a great opportunity to donate the things you no longer use to charities that can help people get back on their feet.

Develop a Weekly Cleaning System Let's face it: busy lives make it tough to keep your homes as clean as you'd like. While you try to stay on top of it, sometimes handling the routine tasks necessary to clean your house can fall to the wayside. Resolve to develop a weekly cleaning routine that'll help you stay on top of things. Break things down into daily must-dos, such as washing dishes and clothes, to weekly needs, such as cleaning your house top to bottom, to make cleaning easier!

Prep Your Home for Entertaining Has hosting more dinners and get-togethers for friends and family been a longtime resolution on your list? Before you can make that happen, resolve to prep your home for entertaining! Plan to invest in things that make your home feel more inviting, like houseplants or vibrant decor. Sometimes, all it takes is a fresh coat of paint on your walls to make a big change!

Nine Ways to Protect Your Home From Winter Weather

Tue, 18 Feb 2025 12:00:00 GMT

Snow-covered lawns and cool winter weather can be nice when watching from the confines of a warm, cozy house. It can turn ugly in a hurry, though, when it causes serious damage to your home and property! Let's take a look at a few ways to shield your home from the damage winter weather can cause.

1: Take Care of Roof Leaks and Tree Branches The pain a leaky roof can cause speaks for itself, especially during the winter! Melting - or fresh - snow dripping in can cause severe water damage to your house. Tree branches can snap and damage your roof, or take out powerlines. Make handling roof leaks and tree branches a priority before any winter weather floats in!

2: Have Your Chimney Cleaned and Inspected Been a while since you used your chimney? Take some time to get it inspected and cleaned, because you never know when you'll need it during the season. Ideally, you should have your chimney cleaned and inspected every year to remove excess soot, dust, and creosote buildup.

3: Check Your Smoke and Carbon Monoxide Detectors This one goes hand in hand with having your chimney cleaned. A fire in the fireplace can keep your house nice and cozy, but it can turn dangerous if left unattended. Mistakes happen, and your smoke and carbon monoxide detectors can protect you in case they do. Keep your detectors in working order by replacing batteries when needed and checking to, well, make sure they're working!

4: Protect Your Pipes Any time temperatures fall below freezing, the risk for frozen pipes rises. Frozen pipes can be inconvenient in many ways, not to mention very expensive if they burst. Check to make sure your pipes are properly insulated before severe cold temperatures arrive. Also, when they do arrive, drip your faucets during the night to better prevent your pipes freezing.

5: Make Sure Your Home is Properly Insulated A home that isn't insulated well can lead to higher energy costs during the winter. Windows and doors that aren't insulated allow drafts to enter your home. Drafts force you to keep your heat going longer, which keeps that energy meter ticking at a faster pace than you'd probably like. There are many ways you can work to eliminate drafts in your home, including installing storm windows and sealing window and door sills with weather stripping.

6: Invest in a Generator or Wood-Burning Stove Harsh winter weather can cause power outages. This means that, if you rely on HVAC or electric heat completely, when the power goes, so does your heat. Keep your family safe and warm in the event of a power outage by purchasing and installing a backup generator or a wood-burning stove. You can't go wrong with either one!

7: Stock Up on Heating Fuel If you don't rely on electric heat, you're using fuel of some sort to heat your home. Don't let cold temperatures catch you off guard: stock up on whatever kind of fuel you use to make sure your house stays warm.

8: Winterize Other Structures on Your Property Do you raise livestock or grow plants year-round? Do you have a guesthouse or other structure on your property that hosts family members or other company on a regular basis? If so, take the time to winterize those structures as well. Barns, sheds, greenhouses, guesthouses - make sure they're all properly insulated to seal in the heat and keep out the cold!

9: Keep Emergency Preparedness Kits on Hand Weather-related power outages or issues can last for some time if they occur. For this reason, it's crucial to keep emergency preparedness kits that include non-perishable foods, bottled water, tissues, flashlights, batteries, and more on hand to get through them safely. For good measure, keep one in your home and one in your car.

3 Overlooked Ways to Beef Up Home Security

Thu, 19 Dec 2024 12:00:00 GMT

You probably know the most obvious ways to keep your property secure while you're away for an extended period of time. There are three expert tips you may not have considered when it comes to keeping your home safe during the holidays.

Keep a Car in Your Driveway A car in the driveway goes a long way toward making others believe you're home when you're not. If you're not traveling to your destination by car, leaving your car in your driveway while you're out is a great way to beef up security. If you are traveling by car, ask a friend or neighbor if they'd be willing to sit a car in your driveway while you're gone. Sweeten the pot by offering them a free car wash for their efforts when you get back!

Mind Your Curtains and Blinds You may believe that closing curtains and blinds while you're out on vacation will keep burglars away because they can't look into your home. In reality, it's a loud signal to thieves that you're not there. If you typically keep your blinds or curtains closed while you're home, keep them closed. However, if you open them during the day, make sure they're open during those times, even while you're not there. A house sitter or a friend can come by if available to open and close them as needed.

Get a Decoy Security System Home security systems can be incredibly expensive. If you don't have the means to purchase one, decoy systems can be just as effective, and often for far less of a cost. Putting up fake cameras, protection stickers, and decoy security signs can be enough to scare burglars away from your unoccupied property. If you want to beef this method up even more, placing a real hidden camera or two with the false ones can be a cost-effective way to keep an eye on your house.

7 Crucial Tips for Property Protection During the Holidays

Wed, 18 Dec 2024 12:00:00 GMT

The holiday season is just as busy for burglars as it is for travelers. Many homeowners make the mistake of making it obvious that their homes are unoccupied, making their homes easy targets. Don't allow your property to be an easy target for burglars - follow these seven tips to protect your property.

1: Install a Security System Modern home security systems make it easier than ever to see what's going on at home when you're not there. Most of them give you the option to watch your property in real time on your smart phone! Advanced camera, alarm, and communication technologies put the power in your hands when it comes to thwarting burglaries, so investing in a security system is a great idea.

2: Set Up Security Lighting Bright lights are a major deterrent for burglars. Timed smart lights inside and out, programmed to come on at different times of the day, fool burglars into thinking you're home when you're not. Pair modern smart lights with a strong security system to keep the bad guys away from your property while you're gone.

3: Pause All Deliveries Like moths are drawn to light, burglars are drawn to the sight of overflowing mailboxes and unattended packages. Same with daily newspapers piling up on the front porch. It's very easy to pause all of your deliveries so burglars see little reason to be drawn to your home. If you don't want to pause deliveries, have a friend you trust come by while you're away to pick them up as they arrive.

4: Keep Your Yard Maintained While there's very little yardwork to actually be done in the winter, it's still a necessity. Burglars can tell when someone's away for a while by looking for tell-tale signs in an unmaintained lawn. If you hire a lawn service, make sure they come out during regularly scheduled times. If you don't usually hire a lawn service, it's a good idea to do so while you're away from home.

5: Utilize the Power of Smart Timers Smart technology puts the power in the hands of homeowners to keep homes safe by providing the illusion of occupancy. You can purchase smart timers for everything from lights to televisions, setting them for random times throughout the day to trick burglars into thinking you're home when you're not.

6: Resist the Urge to Overshare Social media has made us all extremely comfortable with sharing our lives with others minute to minute. This can be fun and exciting, but it can also be dangerous. Burglars watch social media sites to see when individuals in their area are going to be away from home. Resisting the urge to overshare on social media while you're on vacation can protect your property more than you realize.

7: Find a House Sitter This is probably one of the strongest tips you'll see here! Timers, cameras, lights, and alarms are great. They're no match for a good human deterrent, though. If possible, ask someone you trust to stay at your place while you're away. This can be a friend, or a professional house sitter found through an agency or a forum.

7 Holiday Home Updates You Can Tackle Today

Tue, 19 Nov 2024 12:00:00 GMT

If you're hosting family from near and far for the holidays, it's never too early to get your home in order for upcoming gatherings. Read on to discover 7 ways you can update your home for the holidays, starting, well, today!

1: Clear Out the Clutter It may feel like those holiday gatherings are still a ways off. As we all know, though, they come up quicker than you think. If you're hosting this year's festivities for your family and friends, clearing up some clutter is a perfect way to begin prepping your home for the good times ahead. Scrap, recycle, or donate things you no longer need, and put what you want to keep away in proper places. If space still feels limited, this is a perfect time to rethink the way you organize your belongings.

2: Breathe New Life Into Your Walls Few things can make your home look better than giving your walls a fresh coat of paint, or even simply cleaning them! If you've been meaning to paint your walls, there's no better day than today. Touch them up with the same hue, or switch up the colors if you really want things to feel different. If you don't want to bother with painting your walls, just give them a good scrubbing. You'll be amazed at the difference.

3: Brighten Your Lights It's easy to overlook how much the lighting in your home lends to its beauty. Replacing older lighting fixtures and adding dimmers are simple fixes, but the warmth and functionality they add to your home is immeasurable. Changing out older bulbs and updating exterior lighting fixtures with sconces or lanterns will make your home feel cozier and more inviting, perfect for setting the holiday mood.

4: Tackle Common Problem Areas Is your dining room rug starting to look a little worn out? What about that wobbly coffee table in your living room? These problem areas can make you feel self-conscious about the look and feel of your home. Before you have guests over for the holidays, take some time to address areas you feel are problematic. Some may just need a quick repair, while others may call for a replacement of the fixture. No matter which fix is needed, you'll feel better about the presentation of your home in the end.

5: Freshen Up Your Guest Rooms It's inevitable that visiting family members may want to stay over at your home, especially if they've travelled a long way to see you. Giving your guest room, or rooms, a refresh is a great way to make them feel comfortable. This can be as simple as adding a table lamp or some new curtains, or as detailed as giving the room a complete overhaul. Any touch you make will help your guests feel warm, wanted, and welcome.

6: Spruce Up Your Entryway Your entryway is the first impression the inside of your home makes on your guests. For this reason, you want it to look as put-together and tidy as possible. A coat rack will give your guests a place to hang up their coats and purses, while a shoe rack will help guests who want to kick off their shoes keep them in an easy-to-find place. Adding additional small touches, such as benches, rugs, and seasonal decor, will make your home's first impression on your guests one to remember for all the right reasons.

7: Wrap Up Your To-Do List Currently remodeling your kitchen? Been meaning to update your bathroom sinks? Make sure you get these things taken care of before hosting season comes around. Not only will they make your home feel complete, they'll remove a lot of unnecessary stress and worry. Trust us - the last thing you want while you're hosting guests is to have to manage extensive ongoing home improvement projects!

Make Getting Your Home Ready For the Holidays Easier

Tue, 19 Nov 2024 12:00:00 GMT

Are you one who loves hosting holiday parties, but doesn't care for all the tidying up involved beforehand? Here are a few tips to help you make getting your home ready for the holidays easier than ever before!

Tackle the Task ASAP Never put that winter cleaning off until the last minute! You may tell yourself you're going to wait until a week or so before Thanksgiving, but the weeks between Halloween and turkey day fly by. Make the job less stressful by handling it as soon as you can. This may mean breaking down cleaning into one small task each day, and that's fine! Getting it all done is what counts.

Make a To-Do List Making the task of cleaning a routine will help you a great deal. How do you turn winter and holiday cleaning into a routine? You write up a to-do list! Breaking a big job down into smaller tasks will make cleaning and decluttering easier on you, mentally and physically.

Clear Out the Clutter Clutter can make a house that's relatively clean feel much more cramped and dirty than it actually is. If there's clutter in your house that you've been meaning to get rid of, this is the time to do it. We know, decluttering is usually seen as a spring cleaning type of thing, but it's never too early to tackle. Besides, it's much easier to keep a cleaner house when there's less stuff around!

Get By With a Little Help From Your Friends Sometimes, an extensive winter cleaning can feel like a tough task for one person. Enlisting folks to help you clean and declutter makes the task easier, and it helps the process move faster. In most cases, friends and family will be more than willing to come in and give you a helping hand. It also doesn't hurt to hire a cleaning and/or decluttering professional!

Five Essential Steps to Proper Fall Home Prep

Fri, 11 Oct 2024 12:00:00 GMT

Fall is essentially a dress rehearsal for the Winter season to come. Cooler temps and changes in weather patterns can pose plenty of challenges for your home if you're not prepared. Keep reading for our 5 essential steps to proper Fall home prep!

1: Check - and Tune Up - Your Heating and Cooling Systems Making sure your heating system is in proper working order is a must. Trust us - you don't want to wait until the middle of November to discover your heater is having issues! Give your heating system a test run as soon as possible to make sure it's working right. This will give you plenty of time to call a tech for a tune up, or replace a malfunctioning system, if needed.

2: Change Your Air Filters Ideally, you should be changing your HVAC air filters every 90 days. This means the start of each season is an ideal time to switch them out! Clogged filters can strain your system just as much as improperly sealed windows or doors. If your air filters haven't been changed in a while, set aside some time to change them. Your HVAC system will thank you

3: Give Your Gutters a Thorough Cleaning As Fall rolls in, falling leaves and other debris can clog your gutter system big time. Clogged gutters are an eyesore, but the issues they cause don't end there. They can also cause serious water damage to the foundation of your home if left untreated. Get ahead of all that gnarly mess and give your gutters a good cleaning at least twice during the season.

4: Rake Up Fallen Leaves Clusters of colorful fallen leaves scattered through the yard can be pretty to look at. Leave them too long, or let them pile up, and you're inviting unwelcome guests into your home. Bugs, snakes, and other creepy crawlies love hiding in leaves. Raking leaves and making sure they're properly disposed of keeps your yard looking nice, and it helps keep pests out of your home!

5: Seal Your Doors and Windows Drafty doors and windows can be a big problem when colder air begins rolling in. Chilly drafts completely negate the effects of your heating system, but that's not the only issue. They also raise the cost of your energy bill considerably and put strain on your HVAC system, as it must now work harder to pump out more heat to counter the cold air seeping in. Avoid drafts - caulk or weatherstrip any doors or windows that need the attention. It helps more than you know!

What Happens if I Break the SC School Bus Law?

Fri, 30 Aug 2024 12:00:00 GMT

Breaking South Carolina's school bus law puts you, the children on the bus, and other drivers and pedestrians at high risk. Because of this, breaking South Carolina's school bus law carries stiff penalties. Even if you break the law by accident and get some leniency, there's still a major price to pay for doing so.

The first time you break the SC school bus law, you may receive a fine of no less than $1,000 but up to $2,000, as well as up to 20 days of community service. A second offense drives up the severity considerably. If you're convicted a second time of breaking the SC school bus law, you'll be hit with a fine of $2,000 to $5,000 dollars or imprisonment of anywhere from 30 to 60 days. Subsequent offenses could cost you your driver's license.

The risk of harming a pedestrian goes up when you try to get past a stopped bus. If a pedestrian is harmed in any way, you could face a fine of up to $10,000 and up to a year in prison. Depending on the severity, it's possible you could face a far steeper penalty than this.

Yes, school buses can cut into commute time a great deal. However, passing a school bus because you're in a rush isn't worth the trouble it causes. Stopping for a stopped school bus shouldn't just be about following a law. It's about keeping our streets, our children, and other drivers safe. We're all better off when we follow this law!

School Bus Law in SC: A Quick Primer

Thu, 29 Aug 2024 12:00:00 GMT

School buses are designed to get our children from home to school and back again in the safest manner possible. Those of us sharing the road with school buses must do our part to keep children safe as well. To make sure children make it from Point A to Point B safe and sound, there is a particular law we have to follow when we encounter a school bus.

Not following these law to the letter can carry stiff consequences. It could also lead to a major increase in the cost of your insurance.

Your vehicle must come to a complete stop once a school bus is preparing to stop, or has come to a stop. Once you see those red and yellow lights flashing and the stop arm extending, you must stop your vehicle. Only when the stop arm has retracted may you proceed. Even then, you'll need to move slowly and cautiously, watching for children crossing the area.

Stopping for a school bus is required by law in the following situations:

When driving on a two-way highway.
When following a school bus on a four-lane or multi-lane highway.
When trying to pass a school bus that has red or amber lights flashing.

There are specific instances in which you do not have to stop for a school bus. These instances include:

When the school bus is in a passenger loading zone away from main travel lanes and pedestrian zones.
When traveling in the opposite direction of a school bus on a multi-lane highway or private road.

In any instance requiring you to stop behind a school bus, you cannot proceed until the amber or red signals have stopped flashing and the stop arm has completely retracted. Not waiting for these things could get you in some serious trouble!

The Best Ways to Keep Your Pets Cool

Wed, 28 Aug 2024 12:00:00 GMT

To avoid heatstroke altogether, it's very important to keep your pets cool during scorching summer days. Below, you'll find a few of the best ways to keep your pets cool as summer temps continue to rise!

Bring Them Inside: As much as they'll dislike it, limiting your pet's exposure to the outdoors is the best way to keep them cool. It's important to keep them inside between the hours of 11AM and 2PM, which is the the hottest period of the day. If your pet needs to go outside, be sure to give them access to plenty of shade.

Don't Leave Them in Cars: This is a no-brainer. Being left in a hot car is a common cause of heat-related fatalities in pets during the summer. Your vehicle can reach 108 degrees in around 10 minutes on a 90-degree day. Unless your pet can go wherever you're going, it's best to let them stay home. A hot car can become dangerous for your pet in mere minutes.

Give Them Plenty of Water: Pets need to stay hydrated, just like we do! Give your pets lots of drinking water in nice, clean bowls. They'll appreciate it more than you know.

Avoid Hot Pavement and Asphalt: Walking on hot pavement or asphalt can cause a great deal of damage to your pet's paws. When temperatures are above 70 degrees, the ground can heat up quickly. Before taking your pet on a walk, touch the palm of your hand to the pavement. If the pavement is too hot for your bare hand, it's too hot for your pet to walk on.

Groom Them Regularly: This is especially important for pets who grow thick coats and don't shed much. Your pet's coat does a great job of keeping them warm when it's cold, but it can make summer temps unbearably hot for them. Keeping your pet groomed to rid them of excess hair is a great way to ensure that your pet stays cool on hot days!

Learn the Signs of Heatstroke in Pets

Tue, 27 Aug 2024 12:00:00 GMT

Extreme temperatures pose many different threats for pets. One of the biggest, and most common, is heatstroke. Heatstroke occurs when a pet's body rises above 103 degrees, and can pose serious - and fatal - issues if not treated right away.

Symptoms of heatstroke in pets include: heightened anxiety or restlessness, excessive panting or drooling, vomiting, diarrhea, abnormal gum and tongue color, unsteadiness, or collapsing. Open-mouth breathing is a common sign of heatstroke in cats.

If you witness any of the above, vets suggest that you take your pet's temperature rectally. If their temperature is 105 degrees or above, you need to cool them down until their temperature reaches 103. Some of the ways you can help cool your pet down include:

Getting them to a cool, shady place to rest
Run cool water over them with a hose
Apply ice packs or cool towels to their head, neck, and chest
Let them lick ice cubes

You'll want to exercise caution in helping your pets cool down. Cooling an animal that's suffering from heatstroke too quickly causes their blood vessels to constrict. This prevents them from cooling down adequately. Using cool water in your efforts to aid your pet in cooling down, and not cold water, is crucial.

Even after helping your pet cool down, experts recommend getting a pet who is suffering from heatstroke to a vet as soon as possible. This is especially important if their symptoms have not improved despite your efforts.

You Don't Have to Go Far to Have Fun

Wed, 24 Jul 2024 12:00:00 GMT

Living in the Myrtle Beach area, it's easy to find something to do. From the legendary Family Kingdom amusement park to the abundance of activities on the Strand, family fun is all around. What if, however, you want to escape the hustle and bustle of the city for new experiences? You're in luck, because there are plenty of excellent day trips you can take to do just that! Below, we've listed 3 fun day trip ideas - all less than an hour from Myrtle Beach.

Myrtle Beach State Park: Drive around 10 minutes outside the City of Myrtle Beach, and you'll find 312 acres of beautiful woodland and other natural wonders. Myrtle Beach State Park provides you with many opportunities to learn more about the area's natural habitat. There's even a mile-long beach to explore if you're craving sand and surf.

Conway, SC: Sometimes, the best way to get away from the busy life of the city is to immerse yourself in the atmosphere of a quaint small town. Just around a half-hour's drive from Myrtle Beach, you'll find Conway. While the town of Conway may be relatively small compared to Myrtle Beach, there's plenty to do and see here, including the Horry County Museum and the Coastal Carolina University Arboretum.

Brookgreen Gardens: Also around a half-hour out from the City of Myrtle Beach, you'll find 9,000 acres of true natural beauty. Brookgreen Gardens, located in Murrells Inlet, offers the chance to immerse yourself in the beauty of plant life and stunning sculptures. There's even a zoo on the property for animal lovers and adventurers young at heart!

Here at LW Short Insurance Agency , we've got you covered! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

Don't Invite Pests to Your Summer Parties!

Wed, 24 Jul 2024 12:00:00 GMT

Bugs are always on the lookout for cool spaces to hide from the summer heat. Hey, critters need to chill, too! Unfortunately, they tend to enjoy the comfort of our homes. Especially if they know that they can find plenty of food and water lying around. Below, we've listed a few ways to keep bugs and other pests from crashing your summer parties!

Seal Gaps, Cracks, and Crevices: Bugs take any opening they can to find their way into your home. Gaps around windows and doors make it very easy for them to get in. To help prevent infestation, take some time to seal any gaps and cracks around windows, doors, and utilities. This method isn't always foolproof, but it helps a great deal.

Tidy Up the Kitchen: Food and garbage are very enticing to ants, flies, and other pests. Make a point to keep your kitchen clean, store your food securely, and take out trash on a regular basis.

Get Rid of Stagnant Water: Mosquitoes love long-standing stagnant water. If stagnant puddles are close to your home, mosquitoes will hang out right there with them. Your first step in keeping these annoying little pests at bay is to get rid of any stagnant water sources surrounding your home.

Call the Pros: If you're unsure of how to keep pests from bugging you this summer in a safe way, pest control pros are always ready to help. Give your local pest control professionals a call to help you control current infestations and to keep future infestations from happening.

Here at LW Short Insurance Agency , we've got you covered! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

Beat the Heat - Keep Your HVAC Unit in Great Shape

Wed, 24 Jul 2024 12:00:00 GMT

Summers in South Carolina tend to get hot! Keeping your family cool in the sweltering heat is a major priority. To keep your family cool, you want to make sure that your HVAC unit is in the best possible shape. Here are a few tips to keep your HVAC unit running in the heat of the summer.

Change Your Air Filters: Dirty air filters can take a massive toll on the overall health of your HVAC system. They stifle the flow of air, and they put a massive strain on your HVAC system's ability to run. To keep your system running at its best, change your air filters every 1 to 3 months. Your HVAC system - and your family - will thank you!

Keep the Outdoor Unit Clean: Overgrowth, accumulated dirt, and mold can keep your HVAC system from functioning properly. Before the summer season is in full swing, take some time to clean your outdoor HVAC unit and clear away any debris or overgrowth. Even during summer's peak, maintain a routine cleaning schedule to keep your HVAC system running.

Schedule Some Pre-Summer Maintenance: This may be the most important thing you can do for your HVAC system! Give a licensed tech a call to perform a comprehensive inspection and tune-up. Doing so can help you prevent costly issues with your HVAC system down the road.

Here at LW Short Insurance Agency , we've got you covered! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

5 Fun Summer Activities That Won't Break the Bank

Wed, 24 Jul 2024 12:00:00 GMT

Having fun during the summer doesn't have to be expensive. In fact, it doesn't necessarily have to cost anything at all! Below, we've listed 5 fun summer activities that won't break the bank. Give them a try - we're confident that you'll enjoy them!

1) Spend a day fishing . This is a beautiful excuse to spend a day out on the water! Whether you're casting your reel to pond, river, lake, or sea, there's nothing better than catching some tasty fish and getting fresh air. Besides, this one isn't about how much you catch - it's the quality of the time you get with your loved ones that counts.

2) Visit your local farmer's market. Why spend time cooped up in a grocery store when you can enjoy an open air market? Taking a trip to your local farmer's market helps you get plenty of sun while you support local farmers and artisans. It's a win-win idea.

3) Have a family picnic. This time of year, who wants to stay inside? Planning a picnic for lunch or dinner gives you a chance to enjoy a meal with family and friends in the great outdoors. Along our beautiful South Carolina coast, we have plenty of local parks and oceanfront areas that are perfect for picnicking!

4) Explore your local trails and greenways. This is a great way to get in some daily exercise and see the sights in town. Whether you opt for the bustle of the strand or the tranquility of local parks and beaches, there's nothing like walking a local trail or greenway.

5) Have a water balloon fight. This one is pretty self-explanatory! We see our share of hot days here on the South Carolina coast. If the beaches are too crowded and you don't feel like leaving the house, nothing helps cool you down faster than a water balloon fight. Packs of water balloons are relatively inexpensive, and they can provide hours of fun on a hot summer day.

Here at LW Short Insurance Agency , we've got you covered! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

Spring Landscaping Tips: The Do's and Don'ts of Lawnscaping

Wed, 15 May 2024 12:00:00 GMT

The Do's and Don'ts of Lawnscaping

Image of landscaped yard.

What you plant is important. So is how you plant it. There are a few "do's" and "don'ts" to follow when it comes to shaping the perfect lawn. Let's take a look at some of them!

THE DO'S AND DON'TS OF LAWNSCAPING

DO : Think about the design of your home. If you live in a more traditional-style home, such as a Colonial or Tudor home, you'll want to opt for a more traditional, symmetrical design. If you live in a more modern-style home, you can go for more casual designs.

DON'T : Plant large trees close to foundations or driveways. Trees with large root systems can cause some serious damage to both. In turn, this can cause damage to your home or your vehicle.

DO : Make your lawn - and by extension, your home - look inviting! A bare walkway can make your home seem a little unwelcome. Dress up the surrounding area with bold plants and interesting colors to make your home feel, well, more like home!

DON'T : Overcrowd your plants. Overcrowding your plants leaves less room for them to grow. Overcrowding also reduces air circulation, which can invite pests and diseases to destroy your plants.

Here at LW Short Insurance Agency , we've got you covered! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

Spring Gardening Tips: Plants That'll Help You Keep The Pests At Bay

Thu, 09 May 2024 12:00:00 GMT

Plants That'll Help You Keep the Pests at Bay

Image of man and child tending garden.

When you've tended a perfect garden, it can be a pain to find evidence that pests have been munching on your plants. This begs the question: how do you get rid of pests without causing further harm to your plants? The answer may lie in the following things that you can plant to naturally repel them.

Below, you'll find five plants that are great at keeping pests out of your garden!

GARLIC : This tasty dish accent isn't a favorite of many critters that can uproot your gardening plans. Planting garlic can ward off aphids, carrot root flies, Japanese beetles, and more.

CHIVES : You love them on your baked potatoes. The insects that attack your garden? Not so much. The strong, onion-like scent particularly tends to scare off Japanese beetles.

BASIL : Can't stand mosquitoes? Honestly, none of us can! If you're nervous about using pest repellents to keep them away, grow some basil. This super-useful herb has a naturally-repellent effect on many insects, including those little vampire mosquitoes!

CITRONELLA GRASS : One of the top defenses against mosquitoes may be growing in your own backyard! Citronella grass can be found plenty here in South Carolina. Grow some of this fast-growing plant in a planter (or several planters) and keep it near outdoor gathering spaces. Mosquitoes will stay away, and you won't have to worry about buying expensive candles!

LAVENDER : Ticks can be incredibly hard to get rid of in your yard. Once they're there, they'll hang around forever, and they're waiting to hang on to you. Reduce the threat of tick bites by growing some lavender. This lovely, wonderful-smelling plant serves as a natural defense to keep your yard safe from ticks.

Whether you need gardening tips or insurance, we've got you covered here at L.W. Short Insurance ! It's our pleasure to be able to serve your insurance needs.

If you have any questions about your insurance or need assistance, feel free to reach out to us! Just give us a call at 843-357-7493 and we'll be glad to help!

Spring Insurance Tips: It's Time for Spring Cleaning!

Wed, 28 Feb 2024 12:00:00 GMT

Spring Insurance Tips: It's Time for Spring Cleaning!

Spring - it's the season of renewal! Folks everywhere are engaging in the seasonal ritual of spring cleaning. Not only does spring cleaning make your surroundings look better, it makes them safer as well! Clean, safe homes and cars can help you keep those insurance rates from spiking.

Unsure how to get started on spring cleaning for your house and car? We're here to help! The LW Short Insurance team is here to give you a few tips on how to kick off spring cleaning season.

Refreshing Your Car: The Big 5

Giving your car a nice cleaning is about more than keeping it looking good. It also keeps your car running the way it should. Here are five big ways you can give your car a nice spring refresh.

Check Your Tires: Winter cold and certain outside elements, such as road salt, can do a number on your wheels. For example, element-related dry rot could be eating at your tires, and you might not even know it! Give your tires a good checkup before you take them any further. It may be time to rotate them, or change them completely.

Clean the Insides of Your Windows: Your windows can be as bright and shiny as possible on the outside. If they're dirty on the inside, you're not going to have the best view of the road. This could cause serious issues. Use a proper non-abrasive cleaner to give your windows plenty of sheen, and yourself a clear view.

Keep a Maintenance Schedule: Your engine has filters that keep the oil and fuel running through them clean and debris-free. That doesn't mean gunk won't build up over time. Dirty oil, or a lack of oil, can irreparably damage your engine. Same with brake fluid or transmission fluid. Keep your car running the way it should by scheduling a maintenance service ASAP.

Inspect Your Wiper Blades: Worn wiper blades can be more harmful to your windshield than no wiper blades at all! Over time, loose or exposed blades can scratch or mar the glass. Keep your windshield water-free - and streak-free - by replacing your wiper blades as needed.

Let's Go to the Car Wash: You wouldn't believe the wonders that a good wash, wax, and vacuum can do for your vehicle. A trip to the car wash is a necessity for kicking off spring cleaning season for your car. Take a ride to your closest one today!

This House is Clean

Spring cleaning is a perfect way to get your house in order. Here are a few ways you can give your house a thorough cleaning as the season of renewal begins.

Bust That Dust: It doesn't take much for dust bunnies to cling to the furthest corners of your home. Don't let them make a permanent home. Take the duster of your choice and send them packing. You'll be amazed at how much of a difference a simple dusting can make.

Time to Reorganize: Canned food taking up space in your pantry? Donate it to your local food bank. Got clothes in your closet you don't wear anymore? Sell 'em or give 'em away. Reorganizing what you want to keep and getting rid of what you don't can give your home a greater sense of space and openness.

Unleash the Disinfectant: Winter is a time when illnesses have thrived, pesky bacteria latching on to any and everything it can. Get rid of all those accumulated germs by breaking out the disinfectant and giving exposed surfaces a good scrubbing.

Inspect Your Smoke Detector: Hearing an obnoxious beeping in your house? There's a good chance the batteries in your smoke detector are wearing out. That beeping can be annoying, but it's an early warning that your detectors need attention. Keep your smoke detectors working the way they should by swapping out batteries as necessary.

Here at LW Short Insurance Agency , we're mighty fond of each and every one of you! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

Winter Insurance Tips: Show Some Love to Your Home and Car!

Wed, 31 Jan 2024 12:00:00 GMT

We've officially crossed the threshold into a new year. January's almost over. February's on its way in, and love is in the air! As Valentine's Day approaches, we think about ways to show our affection to those we love. This doesn't always branch to our homes or our cars, but perhaps it should!

Not sure how to show your home and your car that you love them? We're here to help! The LW Short Insurance team is here to give you a few tips on showing some love to your shelter and transportation.

3 Ways to Care For Your Home

We all love our living spaces, but sometimes, we're not sure how to show it! Here are three ways you can show your home some TLC.

Keep Spaces Clear and Uncluttered: Keeping our homes clean and free of clutter can feel like a massive chore. Honestly, we're looking at this duty the wrong way. Keeping all spaces in your house clear and uncluttered is a major show of affection for your living space. It can start with a task as simple as making your bed each day!

Bring the Outdoors Indoors: There's a reason many of us love being outside so much. There's an air of freedom and a sense of being one with nature. Plus, it's just plain nice. Believe it or not, your home feels better when you bring a little bit of the outdoors indoors, too. That's right: your home enjoys being given flowers and plants, just like you. Plants and flowers can go a long way toward sprucing up any living space.

Let the Light Shine In: Sunshine is a good thing for all of us. It's warm, inviting, and it flat-out just makes you feel good! Your home also enjoys it when you let the sun shine through its windows. All that natural light can create an overall pleasant mood, making you feel more at home within your home. Isn't that all your home is really asking for, anyway?

I'm In Love With My Car

When you turn 16, your car is, quite honestly, your true first love. Think of all the hours spent caring for it. All the long, luxurious car washes. Those refreshing oil changes and tune-ups. Keeping the inside clean and uncluttered. As we grow older, our cars simply become conveniences. Unfortunately, they're conveniences we often take for granted.

It's time you fell in love with your car again. Here are five ways to show your car that you still love it just as much as the day you got it.

Get Your Oil Changed: Oil is the lifeforce that keeps your car's engine running. Make sure you keep your oil - and oil filter - changed on a regular basis to keep your car performing at an optimal level. Without regular oil changes, your car loses its ability to help your engine keep up with the stresses of regular travel. This means not changing your oil or oil filter can ultimately ruin your engine, and stop your car for good.

Give Your Car a Good Wash: This time of year, road salt, slush, and other messy components can do a number on your car's paint job. Keep that beautiful sheen intact by giving your car regular washings to remove all the salt and other gunk.

Take a Look at the Battery: A functioning battery is crucial to keeping your car on the road. If you're noticing a lot of corrosion buildup around the contacts, take some time to clear it up. Corrosion at or around your battery's contact points reduce your battery's ability to adequately power your vehicle. If the battery's over two years old, it may be time to replace it.

Maintain Your Brakes: The brakes on your car are crucial to staying safe on the road. They're also one of the most sensitive parts of your car. Brake fluid tends to absorb moisture, and that moisture can cause heavy damage to your braking system. Have the brake fluid checked and changed regularly to minimize wear and tear on the system. Also, keep an eye on your brake pads. If they're starting to screech or squeal, or your car feels like it's having trouble braking, it may be time to replace them.

Swap Air Filters: A clean air filter means a clean and healthy engine. Your air filter keeps your car's engine running by filtering out all the nasty stuff in the air that makes its way under the car's hood. Switching out a dirty air filter for a clean one keeps your car performing long and strong, the way it should.

Here at LW Short Insurance Agency , we're mighty fond of each and every one of you! It's our pleasure to serve your insurance needs.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

All the best!

– The LW Short Insurance Team

Winter Insurance Tips: Have You Winterized Your Home?

Wed, 20 Dec 2023 12:00:00 GMT

Making sure your house is prepared for winter's chill is important, especially as we prepare to mark the official start of the season! Winterizing your home helps you keep it warm, save on energy costs, and avoid potential disasters, such as busted pipes.

If you're looking to winterize your home, but you're not sure where to start, fear not! The LW Short Insurance team is here to give you a few tips on getting your home ready to ride out the winter.

5 Tips For Winterizing Your Home

Winterizing your home can feel like a daunting task, no matter whether you've handled it before or not. There's a lot involved in making sure your pipes are safe, that your house is insulated, or even that you have the tools you need to take care of these things!

If it all sounds like too much, take a breath and relax. We're here with 5 tips that can go a long way in making the process of winterizing your home a little easier.

Insulate Your Pipes: Extreme cold can put a lot of strain on pipes. It can freeze your pipes, which can lead to bursting and extensive water damage. Protect your pipes from the effects of the cold by covering them with pipe insulators. This will keep your pipes from freezing up, allowing water to flow like normal.

Caulk Drafty Spots in Your Windows: Feeling drafty spots near your windows? This could mean that the caulk you've applied in the past around the perimeters has dried up and cracked off, or it could mean you need to apply your first strips. Caulking around your windows can minimize or eliminate drafty spots, helping your home stay nice and warm.

Reverse Your Ceiling Fans: Heat rises, cold falls. If your ceiling fans are running like normal, they're pulling all the warm air floating around your home to the ceiling. This means that cold air is circulating, turning your house into a giant cooler. Bring that warm air down by reversing your ceiling fan. All it takes is the flip of a switch, and your ceiling fan can help you and the family keep warm and toasty!

Clear Out Your Gutters: Look, no one likes cleaning their gutters. It's a boring, dirty task that feels like it drags on and on. However, if you just let gunk pile up through the year, any ice and snow will pile on top of it. This could lead to broken gutters and other damage. Before winter finally settles in, take a moment to get outside and clean your gutters. When all is said and done, you'll be glad you did.

Check the State of Your Insulation: This is a step you may need to call an expert out for, but it's vital to home winterization. Your insulation could be fine, but you never know unless you check. Outdated, worn-out insulation will turn your house from warm to chilly in no time flat. If your insulation isn't up to par, and isn't doing much to help regulate the temps in your home, it's time to replace it.

Is It Time to Renew Your Policy?

As the first of the year rolls around, you may have gotten a Notice of Rate Increase , or a Policy Renewal Reminder . If you've received either of these, it's time to give us a call. Give us a call today at 843-357-7493, and our agents will give you the help you need to keep your policy rolling! We look forward to working with you in 2024 and the years to come!

Winter Insurance Tips: 'Tis the Season to Be Traveling!

Wed, 29 Nov 2023 12:00:00 GMT

The holidays are in full swing, and that means you've likely made plans to travel and be with family! At LW Short Insurance , we want to make sure that your sleighs get from Point A to Point B as safely as possible. That's why we're sharing some valuable tips to help you avoid common winter insurance claims. Let's dash (safely) through the snow!

Map Your Path to Grandma's House

Planning to travel when winter weather is in the forecast? One of the most crucial things you can do before leaving is plan your route. Consider holiday travel times and harsh weather before you set out, and map alternate routes in case of potential delays.

Also, let loved ones know the route you're taking and your estimated arrival time. This way, they'll know when to expect you, and when to get in touch if you haven't arrived when expected

Prep Your Tires for Snow and Ice

Bad tires and icy roads are a terrible combination. If you're planning to travel in wintry weather, make sure your tires are in good shape. It's a good idea to get winter tires made specifically to handle the elements.

Going with all-season tires instead? Be sure to check the treads. Tires with tread measurements of 2/32" or below raise your risk of an accident, and you should replace them as soon as possible before traveling.

Don't Put Your Sleigh in Cruise Control

We all know that cruise control can make a long trip easier, giving your driving foot some much-needed rest on long stretches of road. Unfortunately, using cruise control when driving in icy weather can cause you to hydroplane, which can lead to an accident.

If you're planning on cruising your sleigh to your destination, rethink that. It's tempting, but try not to use cruise control if you're traveling in winter weather. It's best for you, your passengers, and those you share the road with this holiday season!

What Would Kevin McAlister Do?

Remember the scene in Home Alone when Kevin throws a fake party (complete with cardboard standees as puppets) to thwart the Wet Bandits? You don't have to go that far, but it's a good idea to make potential burglars think you're home when you're not.

Classic light timers and smart home technology make it easier than ever to turn your lights on when you're away. Combine the two, and it's a breeze to make your house look occupied when it isn't. No puppeteering required!

Home Security You Can Control

Modern technology has made it easier than ever to keep an eye on your home while you're away. This is especially crucial during the holidays. Smart home security systems let you keep an eye on your home, no matter where you are.

These systems allow you to utilize specialized floodlight, porch, and even doorbell cameras to monitor your house. Some even offer intercom tech to help you scare thieves away before they can enter your home!

The LW Short Insurance Agency team wishes you the happiest of holidays, and safe travels this season!

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

Happy Holidays!

– The LW Short Insurance Team

'Tis the Season: Tips For Having Safe and Festive Holidays

Tue, 24 Oct 2023 12:00:00 GMT

As October comes to an end, we begin our march toward the most wonderful time of the year! As soon as the 31st rolls into the 1st, holiday magic seems to take over all aspects of everyday life. Stores begin setting up holiday displays, homeowners start turning their homes into holiday wonderlands, and many radio stations transition their formats to play those warm, familiar holiday songs that we all know and love - many 24/7!

If you're reading this, you're likely one of many homeowners who will be hosting social festivities over the season. While you're eating, drinking, and being merry, it's important to keep the safety of your home and your guests in mind. This month, we've compiled a few tips to help you keep your holiday season safe and festive!

Frying a Turkey

Want to try frying your holiday turkey this year? You'll need to take a few precautions to keep your home and loved ones safe. Place your fryer at least 10 feet from your home on even ground, and make sure the bird is completely thawed and dry before frying. Watch the temperature at all times, and keep a multipurpose dry-powder fire extinguisher handy in case of sudden ignition or combustion.

Flameless LED Candles

Candles are a traditional and beautiful part of any holiday display. However, open-flame candles can lead to house fires if they aren't constantly monitored. Opting for battery-operated flameless LED candles will give you the same warm glow without the risk of a fire.

Be Wary of Cords

Using extension cords to power lit holiday displays can pose many risks. Cords can be major trip hazards, so be sure to place them in low-traffic areas. Never overload your outlets or extension cords, and make sure to unplug your lights when not in use to avoid the risk of electrical fires.

Give Your Tree Something to Drink!

If you're opting for real Christmas trees, you should know they're always thirsty! Evergreens dry out quick once removed from nature, so you should constantly keep them watered. A dry tree is a dangerous tree, as it poses a huge fire hazard, especially if placed close to a source of heat (which is not advised).

Choose Fire-Resistant Decorations

Vintage heirloom decorations passed down for generations are likely a part of your holiday home displays. If they're made from paper, lace, or fabric, they can be a fire hazard. Opt to use modern fire-resistant decor as often as possible. If you prefer to use vintage decorations, keep them as far from heat sources as possible to avoid the potential for combustion.

Double-Check your Decorative Lights

Do you know why guys like Clark Griswold obsess over the bulbs in their Christmas light strands? No, it's not just to avoid the in-laws! Cracked lights, lights with frayed wires, and sockets missing bulbs increase the risk of electrical fires if you opt to use them. Check your lights as you're building your home holiday displays, and double-check for good measure! If your strands are damaged, replace them with new ones.

By following these tips, you can safely ensure that your home is the most festive on the block this holiday season! Celebrating the holidays in style should never come at the expense of the safety of your loved ones or your property. Remember, many mishaps can be avoided with proper planning and plenty of vigilance.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

Happy Holidays!

– The LW Short Insurance Team

Preparing Your Home For Autumn: 8 Essentials

Thu, 28 Sep 2023 12:00:00 GMT

As the leaves begin to fall and the crispness of autumn fills the air, October presents the ideal opportunity to prepare your home for the colder months ahead. This is also a great time to revisit your family's fire safety plan in honor of Fire Prevention Awareness Month. To help you get organized and ensure your home is warm, safe, and clutter-free, here are eight essential home maintenance tasks for your October to-do list.

Cold Weather Ready

Prepare your home for the colder months:

Regularly replace your furnace filter every 4–6 weeks during winter to maintain efficient heating.
Turn off and drain outdoor water faucets to avoid pipe damage from freezing temperatures.
Protect outdoor furniture by storing it indoors or covering it to prevent wear and tear.

Fire Safety

In honor of Fire Prevention Awareness Month, make sure your home is ready to handle a fire emergency:

Check your fire extinguisher's pressure gauge to ensure it's still functional. Teach your family how to use it in case of an emergency.
Develop a fire escape plan with your family and download guidelines from organizations like the National Fire Protection Association (NFPA) .

Get Organized

After months of accumulating various odds and ends, it's time to tackle the clutter in your junk drawer and cupboards. Streamline your storage by decluttering items like old papers, Tupperware, and plastic bags. Organize and retain essential items such as batteries, flashlights, and first aid supplies for easy access when needed.

Deep Clean Your Bathrooms

A fresh and clean bathroom is a welcoming sight. Regular cleaning helps prevent mold growth, especially in areas like vents, baseboards, and walls, in addition to the shower and toilet.

Test Smoke and CO Detector Batteries

Ensure the safety of your home by regularly testing and changing the batteries in your smoke and carbon monoxide detectors. Maintain these vital safety devices to keep your family safe from potential threats.

Mow & Mulch Leaves

When the fall foliage is at its peak, leaves start to fall. Instead of raking and bagging them, consider mowing the leaves to break them up and leave the chopped bits on the lawn. This method can help improve your lawn's health.

Tune Up Heating Systems

Schedule a tune-up for your heating system, whether it's oil, gas, electric, or wood-burning. Clean or replace filters, check chimney gaskets, and vacuum out lint from electric baseboard or wall heaters.

Clean the Dryer Vent

To prevent a fire hazard, clean the dryer vent, even if you clean the filter regularly. Disconnect the vent pipe and vacuum out lint. If your piping is plastic, replace it with metal to enhance safety.

By tackling these essential home maintenance tasks in October, you'll ensure your home is ready for the colder months and the holiday season ahead. Keep your home warm, safe, and in great condition all year round.

As always, if you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

Happy Fall!

– The LW Short Insurance Team

Protect Your Car: Halloween Tips for a Spook-Free Ride

Wed, 27 Sep 2023 12:00:00 GMT

Halloween is just around the corner, and while it's a time for costumes and candy, it's also a time for mischievous tricks that can leave your car looking like it's been through a haunted car wash. Eggs, silly string, smashed pumpkins... these are just a few surprises that might greet you and your car on Halloween night. But fear not! With a little prep and some know-how, you can keep your car safe from these ghoulish pranks.

The best protection for your car is to park in the garage on Halloween night or invest in a soft, breathable car cover. Waxing your vehicle about a week before Halloween is another great way to protect paint from potential damage. And in case your car falls victim to pranks, act swiftly!

Now, let's dive into some specific tips on dealing with common Halloween pranks:

Pumpkin Stains

Pumpkin flesh, despite its tough outer shell, is generally not harmful to your car's paint unless left for an extended period. If you notice dried pumpkin flesh and liquid on your car, you can clean it off with water pressure and a soft-wash mitt. For small surface abrasions from pumpkin shells, use a high-quality soap and paintwork cleaning lotion to thoroughly clean the area.

Eggs & Eggshells

Eggs might seem harmless, but they can cause significant damage to your car's paint surface, including scratches, chips, and peeling. To remove eggshells and stains, use a hose to carefully remove dried egg, and inspect the area for any damage. Depending on the severity, you may need to repaint the affected area.

Shaving Cream

To remove dried shaving cream, moisten it for easy rinsing. Apply adequate water pressure to clean the car's surface. Use a gentle all-in-one wash to clear any remaining residue. Preferably, employ a soft wash mitt or microfiber towel to avoid potential leftover hardened cream. Fragrances and dyes in shaving cream can damage your paint, so make sure to remove it completely.

Candy & Wrappers

Sticky candies and wrappers can be a mess to deal with. If candy has melted and stuck to your car, use a hairdryer on a warm setting to soften it, then gently remove it with a plastic scraper. Wash the area with mild dish soap and water.

Silly String

Silly string, while it hardens, is generally not harmful to your car's surface. To remove silly string, ensure your driveway has proper drainage, and use water pressure to clear the surface. For any stubborn spots, consider using finer tools like cotton swabs, but always use soft, smooth-surfaced tools to avoid scratching the paint.

Toilet Paper

Wet toilet paper is relatively harmless but can be a hassle to remove. Begin by moistening the toilet paper to rinse it away without causing damage. Use high-pressure water to clear the surface, and be cautious of any paper fragments. A thorough cleaning can be postponed since wet toilet paper poses no immediate threat.

Remember to stay safe, enjoy the holiday, and keep the spirit of Halloween fun and lighthearted. Happy Halloween!

Your End-of-Summer Garden To-Do List

Fri, 25 Aug 2023 12:00:00 GMT

Your End-of-Summer Garden To-Do List

As the summer starts to wane, it's time to start wrapping up this growing season and moving into fall planting. While the end of summer might feel bittersweet, it's also an opportunity to ensure the health of your garden in the months to come. Here are some helpful tips for your end-of-summer garden to-do list!

Weeding & Deadheading

August can be a challenging time for gardeners. Weeds thrive in late summer's warm, humid conditions, so stay vigilant in your weeding efforts to prevent them from taking over. Removing weeds now reduces their chances of reseeding and causing more future problems. Don't forget to also dedicate some time to deadheading! Removing spent flowers will encourage new growth and keep your garden looking its best.

Harvest & Clear Space

For vegetable gardeners, August is a time of abundance. As you enjoy the fruits of your labor, continue to pick vegetables regularly. This encourages more flowering and growth. As the month progresses, clear out dying or spent plants to minimize the cleanup needed later. By maintaining your garden's appearance now, you'll be better prepared for the changing seasons.

Preserve Your Bounty

Make the most of your harvest by saving seeds from successful plants. Preserving vegetables and fruits through canning or making jams ensures that nothing goes to waste. Harvest any remaining herbs and consider drying them for use throughout the year.

Plan For Fall

Now is the time to start planning for fall. Begin sowing fall seeds for crops like kale, lettuce, and spinach. These cooler-loving vegetables will thrive as temperatures drop. Beets, radishes, and broccoli are also great additions to your garden for a fall harvest. Consider planting cover crops to keep the soil healthy and nutrient-rich.

Mulch & Compost

Start building your compost pile using organic materials like plant scraps and leaves. This will yield nutrient-rich compost that you can spread across your garden beds. Mulching with compost enriches the soil and prepares it for next year's planting season!

Care For Shrubs & Trees

Give your shrubs, trees, and perennials some attention before the cold months arrive. Prune any dead or unwanted growth and provide deep waterings to ensure their health during the upcoming winter.

At LW Short Insurance, we're committed to helping you make the most of every season. Whether it's protecting your home or family, we're here to provide the support and coverage you need.

If you have any questions about your insurance or need assistance, feel free to reach out to us. Just give us a call at 843-357-7493 and we'll be glad to help.

We hope both your family & garden thrive as summer transitions to fall!

– The LW Short Insurance Team

Helping Kids Get Back Into the School Routine

Fri, 18 Aug 2023 12:00:00 GMT

Helping Kids Back Into the School Routine

The end of summer means it's time to gear up for school routines once again. As beach days turn into classroom hours, we know that transitioning from relaxation to education can be a challenge for all families. At LW Short Insurance, we're here to offer you some tips to help smooth out the back-to-school process for both you and your child!

Validation & Empathy

It's completely natural for your child to feel a mix of nerves and excitement as the school year starts. Acknowledge their emotions and let them know that many kids (and even adults!) feel the same way. Take time to check in with your child, listen to their concerns, and validate their feelings to help them feel understood and supported during this transition.

Bedtime Adjustments

Shifting from summer bedtime to school bedtime can be a struggle. It's important to implement a consistent nighttime routine with clear steps to wind down. Visual cues and time limits on activities before bedtime can help ease this transition and make for more restful mornings!

Tackle Morning Routines

Before the first day, sit down with your child and discuss your upcoming morning routine. Provide clear expectations and create a step-by-step schedule together. A simple visual aid, like a schedule with pictures, can make sticking to a new routine more engaging and easier to follow. Celebrate accomplishments as they complete each step. Positive reinforcement goes a long way!

Navigating homework

Here we go again... homework! It's nobody's favorite part of going back to school, but getting into a groove of tackling homework immediately after school during daylight hours is easiest. Establish a routine and expectations now, offer your assistance when needed, and provide healthy snacks to keep their energy levels up during study time.

Setting up a successful school routine requires identifying areas where you struggle and creating a plan to overcome obstacles. Make gradual adjustments and offer positive encouragement to make a smooth transition into the new school year.

Remember that nobody is perfect and this is a big change for your entire family! Simply do the best you can each day and lead with empathy – when we're all on the same team, everyone wins.

10 Ways To Cool Your Home & Car In The Sweltering Heat

Mon, 31 Jul 2023 12:00:00 GMT

10 Ways To Cool Your Home & Car In The Sweltering Heat

Are you feeling the heat? You're definitely not alone. As the summer temperatures & humidity hit peak levels, we want to make sure that you and your family stay cool and safe, both on the road and at home.

Extreme heat can not only make your daily commutes uncomfortable, they also pose big risks to your health and property. That's why we're sharing some tips today on cooling down your car and home during this scorching summer season. Keep reading below to see some simple ways to lower temps & enjoy a cooler environment in the high heat.

�� Car Cooling Tips

1. Crack the Windows

When your car is parked or when you first get into a sweltering car, open the windows slightly to allow hot air to escape and reduce the temperature inside your car.

2. Use Sun Shades

Invest in sun shades to reflect sunlight and prevent your car's interior from turning into an oven when it's sitting outside parked. Reflecting that extra light will keep temps much, much comfier.

3. Cover Your Seats & Dashboard

Suffer from hot seats in the summer? Use beach towels or cloth seat covers to shield your seats (and also the dashboard) from the sun's intense heat. It'll keep you from cooking your legs and prevent some extra heat build-up in your car's interior.

4. Cool Your Car Quickly

It may look a little funny, but you can use your car door as a fan to quickly funnel extra heat out of your car before getting inside. Here's how to do it: Before getting in, open the driver-side door, roll down the passenger window and fan the driver's door several times to circulate hot air out.

�� Home Cooling Tips

1. Use a Dehumidifier

Humid air is able to carry more heat and makes for even more uncomfortable surroundings. Reduce humidity levels inn your home to create a cooler and more comfortable indoor space.

2. Switch to Energy-Efficient Light Bulbs

Opt for CFL or LED bulbs to lower your power bill and reduce the heat generated by traditional bulbs. Traditional bulbs give off more heat than you think!

3. Unplug Appliances

It's a good idea to unplug appliances when not in use to minimize heat emissions and maintain a cooler home.

4. Block Out the Sun

Keep blinds and shades closed during the hottest hours of the day and consider using tinted window film or blackout shades to block out a good chunk of the sun's heat.

5. Join The Fan Club

Set your ceiling fan to run counter-clockwise during summer to cool the room effectively. You can also use a personal fan to circulate cool air in your immediate surroundings.

6. Programmable Thermostat

Air conditioners with a programmable thermostat cool your home efficiently while saving on energy costs. If you've been on the fence about getting one – now's a great time!

We are hoping you and your family please stay safe in the hot weather this summer!

High temperatures can really pose a serious health hazard, so remember to stay cool, keep an eye on the heat, drink plenty of water, and take some of these easy steps to stay comfy inn your home and vehicle.

As always, if you have any questions about your insurance policy or coverage, LW Short Insurance is always here to help you! We are available to review policy options, offer coverage that may be a better fit for your needs, or find you ways to save. Just give us a call at 843-357-7493 and we'll be glad to help!

Stay cool and have a great summer!

– The LW Short Insurance Team

Keep Cool & Beat The Heat!

Fri, 23 Jun 2023 12:00:00 GMT

Keep Cool & Beat The Heat!

As summer temperatures rise, it's crucial to take precautions to beat the heat and keep yourself and loved ones safe. Extreme heat can be dangerous, especially for children, older adults, outdoor workers, and people with disabilities.

In this message, we're sharing tips on how to stay cool and prevent heat-related illness in the coming hot summer weather!

Key points to keep in mind:

Stay hydrated by drinking plenty of water. Avoid sugary beverages, as they can make dehydration worse.
Look for air-conditioned areas to cool down frequently.
Wear lightweight, light-colored, loose-fitting clothing.
Never leave children or pets in cars during hot weather, because temperatures can rapidly rise to life-threatening levels.

Keep An Eye On The Heat

Stay aware of heat watches, warnings, and advisories that indicate high heat levels and when they are expected to occur. Additionally, make sure to stay hydrated and take breaks in cool areas to prevent heat-related illnesses.

Be Safe In The City

Urban areas can experience more significant effects during prolonged heatwaves. People working outside and in city centers should be particularly cautious and look for air conditioned places to frequently escape the heat.

Stay Out Of The Sun

Heat-related illnesses often occur due to overexposure to heat or over-exertion, and sunburn can impair the skin's ability to release excess heat. Additionally, staying hydrated and seeking shade can help prevent these types of illnesses.

Plan Activities Early

Schedule your outdoor activities early in the day when it's cooler outside. This is particularly important for sports and strenuous activities to avoid the peak hours of heat and humidity. Start activities slowly, and monitor your teammates and friends for signs of overheating.

More On How To Keep Cool:

To learn more about protecting yourself during extreme temperatures, check out additional the information provided by the Centers for Disease Control and Prevention (CDC) here: https://www.cdc.gov/disasters/extremeheat/

We are hoping you stay cool this summer and have a safe, fun, and enjoyable season!

If you have any questions about your insurance policy or coverage, know that the team at LW Short Insurance is always here to help you review options, offer coverage that may be a better fit for your needs, or find you ways to save!

Just give us a call at 843-357-7493 and we'll be glad to help.

Cheers!

– The LW Short Insurance Team

Summer Insurance Tips: Protect Your Fun in the Sun!

Wed, 31 May 2023 12:00:00 GMT

Summer Insurance Tips: Protect Your Fun in the Sun!

Summer is almost here, and we hope you're ready for some fun in the sun! At LW Short Insurance , we want to ensure that you enjoy your summer activities and also stay protected from potential risks. That's why we're sharing some valuable tips to help you avoid common summer insurance claims. Let's dive in!

Outdoor Fires: Sizzle Safely

There's nothing like having a fun backyard barbecue or gathering around a fire pit on a warm summer evening. However, it's crucial to exercise caution to prevent accidents. According to a 2020 report from the National Fire Protection Association, an average of 10,600 home fires are started each year by grills – with gas grills being the primary culprit.

This summer, ensure your grill is in good working order with no leaks or breaks. It should be kept a safe distance away from flammable materials and never left unattended while in use. Double-check your liability and personal property coverage to stay protected.

Car Accidents: Drive Smart, Arrive Safe

The summer driving season is about to be in full swing! But for teens, the time between Memorial Day and Labor Day is also known as the "100 Deadliest Days" because fatal teen crashes increase on average by 14% in the summer months.

Before your teen driver hits the road this summer, be sure to discuss safe driving practices – including avoiding distractions like cell phone use and limiting the number of passengers. (And don't forget to review your auto insurance coverage to ensure you have adequate protection for summer road trips!)

Drownings: Stay Water Wise

With the heat rising, swimming becomes even more of a popular activity! And if you have a pool, make sure it's properly secured with a locked gate to prevent accidental drowning and unauthorized use.

Drowning incidents can have devastating consequences, especially for young children. The CDC reports that on average, there are over 4,000 unintentional drowning deaths each year . Drowning is the second-leading cause of unintentional death for children between ages 1 and 14, with children under 4 having the highest drowning rate.

If that isn't reason enough to keep your pool secured, whether your pool is fenced can affect insurance rates and coverage depending on where you live! (If you're wondering about regulations and the insurance impact of your pool, we can help! Just call our agents. )

Boating Accidents: Float Responsibly

If you're planning a day on the water, boating safety should be a top priority. Take a boating safety course, maintain your boat regularly, and ensure everyone on board wears a life jacket. These simple precautions can go a long way in preventing accidents. Verify that your boat insurance coverage is up to date and provides adequate protection.

Home Burglaries: Secure Your Peace of Mind

While you're enjoying your summer vacation or spending time outdoors, it's essential to keep your home protected from burglaries. Investing in a security alarm system and installing motion detection lights can keep your property safe and may even earn you a discount on your insurance premiums!

If you're going out of town, ask a trusted neighbor to collect your mail and packages to deter burglars and potentially reduce your insurance risk.

Remember, at LW Short Insurance, we're here to help you navigate any insurance concerns or questions you may have. Don't hesitate to reach out to our knowledgeable agents for a personalized insurance review or to update your coverage based on your summer plans!

Stay safe, have a fantastic summer, and let us take care of your insurance needs!

Best regards, The LW Short Insurance Team

Summer Car Care Tips to Keep Your Car Running Smoothly

Wed, 26 Apr 2023 12:00:00 GMT

Summer Car Care Tips to Keep Your Car Running Smoothly

Summer is nearly here, which means it's time to hit the road and enjoy some much-needed sunshine! But before you set off on your next adventure, it's essential to make sure your car is ready for the heat. Here are some summer car care tips to help protect your vehicle and keep it running smoothly.

Protect Your Car From The Sun & Heat

Summer sun and heat can cause serious damage to your car's exterior and interior. UV rays can fade your car's paint and cause the dashboard to crack, while extreme heat can damage batteries and tires. To protect your car, park in a shaded area or use a car cover when possible. You can also use a UV protectant on your dashboard and apply tire shine to keep your tires from drying out and cracking.

Keep Fluids Topped Off

Rising heat will cause your car's fluids to evaporate more quickly, so check your oil, transmission fluid, brake fluid, and coolant regularly. Low fluid levels can damage your car's engine and transmission, so be sure to top them off as needed.

Clean Your Car Inside & Out

Summer is a great time to show off your car's shine, but it's also a time when dirt and debris can accumulate quickly. Wash your car often to remove dirt, salt, and other debris that damage your car's exterior. You should also keep your car's interior vacuumed and clean to prevent debris from getting into the air conditioning system.

Check Your Battery

Heat can cause car batteries to lose power more quickly, so it's important to check your battery periodically. Use a battery tester to check your charge level. If it's low, consider replacing the battery before it fails unexpectedly.

Check Tires For Damage

Hot pavement and high temperatures encourage tires to expand, which can lead to blowouts. Check tire pressure regularly and make sure that tires are inflated to the manufacturer's recommended level.

Service Your Air Conditioning

Before the temperature rises, have your air conditioning system serviced by a professional to ensure it's running properly. This includes checking the refrigerant level, cleaning the condenser, and replacing the cabin air filter.

With these summer car care tips, you can keep your car running smoothly and protect it from the damaging effects of sun and heat. Remember, regular maintenance and care can save you money in the long run by preventing costly repairs.

From your friends at the LW short Insurance Agency, we hope you and your family a safe summer and happy travels!

Savings Ahead: Navigating Home Insurance in 2023

Tue, 28 Mar 2023 12:00:00 GMT

Savings Ahead: Navigating Home Insurance in 2023

Inflation is a hot topic these days, and it's no exception here at LW Short Insurance Agency. Homeowners who want to keep their insurance rates low need to stay informed about the factors currently impacting insurance costs. Fortunately, we're here to help!

As claim and repair costs rise, it's important to have options for keeping your family protected without breaking the bank. Here's what you need to know about home insurance this spring and how we can assist you:

What's Driving Home Insurance Costs in 2023:

The home construction and service industries have been facing a lot of challenges lately. From supply chain disruptions to more frequent and severe weather events, the cost of building and repairing homes has been going up. In addition, the shortage of workers has made labor more expensive.

Despite these challenges, we're prepared to customize your coverage and help you manage your costs.

More Ways to Lower Your Home Insurance Premiums

As an independent agency, we have access to a wide range of insurance carriers to offer you more choices for customized protection. You can scale up or down your coverage, add or remove options, and supplement with specialty offerings to fit your specific needs and budget.

Our agents do the heavy lifting for you by comparing different policies and packages so you can choose the one that's best for you. We also offer discounts for bundling policies, installing safety features, upgrading your home, and more!

Count on our knowledgeable insurance professionals to help you find the coverage you need and keep your bill under control.

Visit our website or call us at 866-786-7484 to request a policy review or quote! We're committed to providing our homeowners and clients with the best experience and the right insurance plans for each family's needs.

Spring Cleaning Tips For Home, Car & RV

Tue, 21 Feb 2023 12:00:00 GMT

Spring Cleaning Tips �� For Home, Car & RV

Spring is in the air, and with it comes the urge to do some much-needed cleaning. After a long winter, it's a great time to clean out your home, garage, car & RV! Not only will a good spring cleaning make your living space more comfortable and organized, but it can also help you identify potential hazards and prevent insurance claims. As your local insurance company, we've put together some spring cleaning tips to help you get started. Follow these guidelines, and you'll be able to enjoy a cleaner, safer, and more organized home!

Clean out your gutters

Gutters play an important role in protecting your home from water damage. However, they can get clogged with leaves, branches, and other debris, especially during the fall and winter. It's essential to clean your gutters in the spring to prevent water damage to your home's foundation and roof.

Inspect your roof

While you're up there cleaning the gutters, take a few extra minutes to inspect your roof. Look for signs of damage or wear, such as missing shingles, cracked tiles, or rusty flashing. Catching roof issues early can save you money and prevent more significant damage.

Clean HVAC filters

Your heating and cooling system's filters can become clogged with dust, pollen, and other particles over time. This can reduce the system's efficiency and increase your energy bills. Clean or replace your filters in the spring to keep your HVAC system running smoothly.

Check smoke detectors

Smoke detectors can save lives in the event of a fire, but they won't work correctly if they're not functioning correctly. Test your smoke detectors and replace batteries if necessary. Also, consider upgrading to smart smoke detectors that can send alerts to your phone in case of an emergency.

Declutter your home

Clutter can make your home feel chaotic and stressful. Take some time to declutter your home and get rid of items you no longer need or use. Donate or sell them to free up space in your home!

Clean & organize the garage

The garage can become a dumping ground for all sorts of items, from tools and sports equipment to old clothes and boxes. Use your spring to clean to organize your garage so you can easily find what you need and park your car inside.

Detail your car

Don't forget about your vehicles! Give them a good spring cleaning, inside and out. Wash and wax the exterior, vacuum and clean the interior, and replace worn-out wiper blades.

Get your RV road-trip-ready

RVs need a little extra love to get them ready for camping season. Open the windows to let your interior breathe, shake out cushions and pillows, and give the interior a good cleaning. Pay special attention to appliances, kitchen areas, electronics & bathrooms that accumulate bacteria and grime. Your RV tires can lose two or more psi a month sitting in storage. Check the tire pressure using a quality tire inflation gauge and adjust the inflation pressure to the manufacturer’s recommended inflation pressure based on the load.

At LW Short Insurance Agency, we know that a clean and organized home can prevent accidents and insurance claims. We hope these spring cleaning tips help you create a safer, more comfortable living space. Happy cleaning!

Show Your House & Car Some Love This Valentine's Day!

Thu, 26 Jan 2023 12:00:00 GMT

Show Your House & Car Some Love This Valentine's Day!

Valentine's Day is when we show loved ones how much we care about them. But cars and homes are important members of the family, too! This Valentine's day, don't forget to let your house and car feel the love. All the extra attention will keep them looking their best and also save you time and money in the long run. Here are some easy ways to pamper your home and car this Valentine's Day!

Schedule Car Service

Preventative maintenance is essential for keeping your car in good condition. Not only will it save you money in the present, but it will also prevent expensive issues from occurring in the future. Whether your vehicle just needs a quick oil change or larger scheduled maintenance, talk to your technician to get an appointment and keep your car running in top shape.

Invest In New Tires

Getting new tires is a smart way to ensure the safety and drivability of your car. When you notice signs of aging on your current tires, such as cracks, bulges, or balding treads, it's time to replace them. If your tires are looking great, keep checking tire pressure often and schedule regular rotations and balances to extend their life.

Check The Brakes

Well-functioning brakes are your car's most important safety feature! Worn pads are a big driving hazard, but they are easy for a technician to check and replace. The next time you take your car for service, ask them to check your brakes, too!

Clean The Kitchen

Think about areas in your home that don't receive love very often... like your garbage disposal. That little champ sees its fair share of messes, so let's celebrate all its hard work! Unplug your disposal and give the inside a good wipe. Deodorize afterward by grinding a few handfuls of ice and a bit of vinegar. Keep it freshened up year-round by giving it a few citrus peels to munch on weekly.

Love Your Safety Equipment

Nothing tells your home "I love you" like making sure it's protected from fires! Keep a couple of fire extinguishers handy, especially in the kitchen. Learn how to use it and check the gauge to make sure it has enough charge to work in an emergency. Smoke alarms should also be tested regularly, and if it's been over 10 years since they were purchased, consider getting new ones.

Change Air Filters

Is that love in the air? ...Or is it just dust? HVAC filters should be changed every few months, so go ahead and replace the filters in your home. You'll breathe easier going into the spring and it only takes a few minutes!

Clean Out The Medicine Cabinet

Crush the clutter and keep your family safe by getting rid of old or expired medications. The Food and Drug Administration (FDA) has different recommendations for disposing of unused medications. Some you can flush or throw away, and others are best returned to a "take-back" location. Check the following for information on how to dispose of your unused medications:

Get A Head Start On The Garden!

It's still a little chilly out, but February is actually a great time to start planting! Besides bulbs and hardy flowers, lots of veggies (like peppers, tomatoes, lettuce, and cauliflower) can be planted now or have seeds started indoors. Check out this guide to see what kinds of veggies can be planted when in your part of South Carolina!

We hope you are able to show your home and car some extra love this Valentine's day! Now it's our turn to say how much we love being part of your family and providing you with exceptional insurance. Thank you for trusting the LW Short Insurance Agency for your insurance needs, and please reach out to our agents if you'd like to go over your policy options, change coverage, or just to see what's new with your coverage! Call us any time at 866-786-7484.

Best Car Picks For Teens & New Drivers

Thu, 29 Dec 2022 12:00:00 GMT

If you have a teen (or soon-to-be driver) at home, it's time to start thinking about a good first vehicle. From safety features and price to reliability and insurance, there's a lot to consider. But don't worry! We're here to help start your search with top safety picks and recommendations from the pros.

Safety Really Is #1!

No matter how long you've been on the road, driving comes with risks. For new drivers (and especially teens), safety really is the first priority. Here are some numbers to think about from the CDC & the Insurance Institute for Highway Safety (IIHS):

Only older people drive more than teens, but the risk of a crash is higher among teens 16-19 than any other age group.
Teens 16-19 have a fatal crash rate almost three times as high as drivers over the age of 20 per mile driven.
Crash risk is particularly high during the first months of licensure.
In 2020, car crashes were one of the leading causes of death in teens 13-19.

While there's no one best car for everyone, safety, reliability, and affordability should be at the forefront of any search.

What To Avoid

While your new driver will likely have their own ideas about what makes an ideal vehicle, make sure to steer clear of super-tiny cars that will get flattened by full-size vehicles, as well as huge trucks and SUVs that are harder to handle and use more gas.

Sports cars and high-horsepower vehicles are also on the "skip" list, because they are easy for inexperienced drivers to crash and much more expensive to insure.

Look For 2013 & Newer Models

The general rule is that newer cars have better safety features. Starting in 2013, vehicles must have the "Big Three" safety features: anti-lock brakes, traction control , and stability control . If your budget allows, look for 2018 or later vehicles. This is when vehicles were mandated to have rearview cameras (although you can find them in some cars before then).

Check The Trim & Safety Specs

It's important to remember that not all safety features available come standard with every model or trim level.

When you're researching makes and models, review the different trim levels to ensure the vehicle you're eyeing comes with the exact safety features you want.

Car Buying In Today's Market

If you have even thought about shopping for cars right now, you already know how challenging it can be to get exactly what you want. Supply issues and rising costs make it hard to find exactly what you're looking for in your budget. Things like color may need to be an afterthought in order to get the features you want. And when you do find a reliable, affordable vehicle, move fast... it may not be on the lot for very long.

And Now... Car Recommendations!

The good news is that there are a lot of makes and models of used cars that come highly recommended. Kelly Blue Book and Insurance Institute for Highway Safety have lists that break out different budgets, model years, features, and body styles.

Here are our selections that take top prizes for reliability, safety, and affordability. (And be sure to check KBB & IIHS out for more picks!)

Honda Accord

The Honda Accord is one of the most widely recommended & safest used car options for beginners. Featuring a sleek look, the Honda Accord marries parental concerns and a teen’s desire for an attractive ride. The Accord is a frequent winner of KBB’s Best Buy Award in the Midsize Sedan category, plus it’s been an IIHS top safety pick every year since 2013.

Mazda 3

With an estimated 35 mpg on the highway and excellent scores in every crash test from IIHS and NHTSA, it's tough to beat the Mazda 3. This vehicle boasts a wide range of safety features, plus sleek and sporty styling in both sedan and hatchback body types.

Toyota RAV4

The Toyota RAV4 is a domestic bestseller that you’ll see on just about every road. Why? Because it’s one of the safest cars out there. It gets great gas mileage, has a roomy interior, and includes responsive handling, especially around corners. The RAV4 consistently earns the top safety marks from the IIHS.

Honda CR-V

The Honda CR-V has a reputation for being a reliable starter vehicle with easy handling. A favorite among compact SUVs, the CR-V is economical with gas and comes with a host of advanced safety features. The CR-V has earned IIHS safety awards since 2015. With seating for 5 and tons of cargo space, this is a great pick for teens!

Mazda CX-5

The Mazda CX-5 has built up a winning reputation for responsive handling, steadiness on the road, overall reliability, and decent fuel economy. The Touring trim comes loaded with advanced safety and driver-assist features. In 2014, the Mazda CX-5 was one of the IIHS’s top safety picks, so those earlier models are still some of the safest used cars out there.

Toyota Corolla

The Toyota Corolla is a mainstay in the compact car segment. This sedan is known for great durability and reliability and is a Top Safety Pick. It's comfortable and easy to drive, and Toyota has packed the Corolla with loads of standard equipment including even more features on higher trim packages.

More Faves From KBB & IIHS:

Chevrolet Equinox
Chevrolet Volt
Ford C-Max Hybrid
Ford Fusion
Ford Taurus
Honda Civic
Honda Element
Honda Insight
Honda Pilot
Hyundai Genesis

Hyundai Kona
Kia Soul
Kia Sportage
Lincoln MKZ
Mazda 6
Mazda CX-3

Nissan Altima
Nissan Rogue
Subaru Crosstek
Subaru Impreza

Subaru Legacy
Subaru Outback
Toyota Avalon
Toyota Camry
Toyota Highlander
Toyota Prius
Volkswagen Jetta
Volkswagen Passat
Volvo S60
Volvo XC60

See KBB Recommendations

See IIHS Recommendations

We are wishing you and your family a safe and happy New Year! If you have a new driver to add in near future, we encourage you to reach out as soon as possible so we can help you plan and find the best rates.

LW Short Agents can help advise you on the best policies to consider, discounts and bundles, and also provide some car-shopping tips to lower the rates for your new driver. Call our office at 843-357-7493 or visit us online at homeautoinsurancesc.com !

Holiday Travel Tips

Mon, 21 Nov 2022 12:00:00 GMT

Holiday Travel Tips

Are you planning to travel during the holidays? If so, you're not alone! Almost half of us (47%) intend to spend the holidays away from home this year , driving and flying to see family and enjoy vacations. With many more people on the roads and in the air, it's certain to be a busy time. But don't worry! To help make your trip smooth and stress-free, we put together some tips that will help you get through holiday travel without incident.

Traveling by Air?

About half of travelers this year will get to their destinations by air , so airports are sure to be bustling.

Check-in early if possible. This will give you more time to go through security and relax ahead of your flight with fewer crowds at the airport. If your flight is delayed or cancelled, you always want to be prepared! Having extra time will give you the wiggle room to get where you need to be without rushing or extra stress.

Pack Light

Packing light is the easiest way to save money while traveling. Checked bags can cost up to $100 extra on some airlines, so packing light is essential if you want to avoid that expense. Plus, carrying your own luggage makes for less waiting around at airport terminals!

Book Rental Cars Now

With so many people traveling, you'll want to make sure your rental car is ready and waiting when you get to your destination. Book ahead online if you can so you won't have to wait when you get there!

Maximize Your Carry On

Your carry on bag is your best friend. Bring necessary items like airplane-ready food, medications and reading material in your bag if there are delays. Important gifts and an extra change of clothes is also important, just in case your luggage doesn't make it at the same time you do.

Bring Unwrapped Gifts ...Or Ship Ahead!

If you're traveling with gifts, leave them unwrapped. When inspecting bags and luggage, TSA may unwrap gifts if they need to inspect your bag, so it's best to wrap presents later after you arrive. You could also consider shipping gifts ahead of time to avoid the hassle altogether.

Traveling By Car?

With so many people on the roads this holiday, it's best to take it slow and prepare for drives to take a little longer than expected. As long as you make it from point A to point B safely, that's what matters most.

Consider leaving early or late in the day to avoid heavy traffic around Thanksgiving and Christmas. Comfy seats, extra water and snacks, and plenty of entertainment are a must if you run into delays or unexpected road trouble.

Tune Up Your Vehicle

Driving in winter can be just as stressful as flying. With potential bad weather and all the extra drivers on the road, you'll want to be prepared to make the drive as easy as possible. Get a quick tune-up before you hit the road so you know your vehicle is in good working order to manage the drive. And if you have roadside assistance or AAA, keep those numbers handy just in case you need to use them!

Get Your Apps Ready!

The best thing about driving in the 21st century? All the apps! From planning the best routes and places to get gas, to weather alerts and entertainment, there are so many apps to keep your family going strong the whole trip long! Download books, movies, playlists, and travel apps now so you can be prepared and entertained on the road without worrying about data.

Wrap Gifts Carefully

Squashed bows, crumpled boxes, torn paper... oh my! If you're wrapping gifts before you leave, think about how they will fit in the car with all your extra luggage. The last thing you'll want to do is re-wrap everything or give damaged presents. Wrap and pack carefully to keep your gifts beautiful – or wait until you get there to put on the finishing touches.

Safety Above All Else

Nothing ruins a holiday like an accident. Driving safely and defensively is the most important part of getting there, even if it takes a little extra time. Accept that it's the busiest time of the year and one of the most stressful to drive. Being well-rested, patient, and careful on your trip will help you get there in one piece so you can all enjoy the holidays together.

We wish you a very happy holiday and a peaceful, pleasant trip! If you want to review your auto coverage before you hit the road, LW Short Insurance agents are happy to help. Just call our office at 843-357-7493 or visit us online at homeautoinsurancesc.com . Safe travels, from our family to yours!

What Kind Of Insurance Do You Need For A Classic Car, RV, Or Hot Rod?

Thu, 27 Oct 2022 12:00:00 GMT

What Kind Of Insurance Do You Need For A Classic Car, RV, Or Hot Rod?

When insuring a classic car , hot rod , or RV , it's important to make sure you have the right kind of coverage. These vehicles are not like everyday cars, and they often require specialized insurance.

There are a few things to keep in mind when choosing insurance, including the insurance type, value, features needed, and how often you drive your vehicle.

What is a classic, antique, or collector car?

The exact definition of a classic car varies, but a collectible vehicle is generally at least 20 years old and used primarily for pleasure (rather than everyday driving). Classic cars can be anything from a vintage Mercedes-Benz to a Ford Mustang! These cars are also considered to be collectible because they have enough historical significance to make them worth preserving and restoring. Unlike today's cars, their value can appreciate over time.

In the insurance world, collector's cars are:

Used only occasionally for pleasure driving, shows, clubs, or parades.
Restored, maintained, preserved, or actively being restored to keep it in excellent condition.
Stored and protected in an enclosed building.

Why do I need insurance for my classic car?

Even if you don't regularly drive your classic vehicle , insurance is still important. Perhaps the most important reason to insure your collectible car is to protect your investment. These vehicles can be quite valuable, and if something were to happen, you could be left with a substantial financial loss.

Insurance also helps protect you from liability. If you are involved in an accident, you could be held responsible for damage or injuries that occur. If you don't have insurance, you could be on the hook for all of the costs.

So, if you own a classic car, be sure to get it insured! It could save you a lot of trouble and heartache down the road.

What does classic car insurance cover?

Classic car insurance policies are designed to protect your investment while assuming the vehicle will only be driven occasionally. There are different types of classic car insurance, but most policies will cover the following:

Physical damage to your vehicle
Liability coverage in case you cause injury or property damage to someone else
Medical payments for you and your passengers
Uninsured/underinsured motorist coverage in case you're hit by another driver who doesn't have insurance

You may also choose to insure the vehicle for its agreed value (the amount you and your insurer agree the vehicle is worth) or its market value (the amount it would sell for on the open market). The option you choose will depend on a number of factors, including how much coverage you need and how much you're willing to pay.

Next, you'll decide if you want liability only or comprehensive and collision coverage. Liability only covers damages caused to another vehicle or property. Comprehensive & collision coverage covers damages to your vehicle and other incidents like damage or loss due to weather or theft.

Most classic car insurance policies will also come with additional perks, like roadside assistance and trip interruption coverage. Every policy is different, and LW Short Insurance can help you choose the options you need and find the best rates so you can make a decision!

What about RV insurance?

You are required to carry insurance on all RVs, motorhomes, and travel trailers . However, how often you use your RV and its size (or class) will determine the specific kind of coverage you need.

The two principal types of RV insurance are for those used as primary residences (generally used over 150 days in the year), and others that are considered recreational vehicles.

RV insurance is similar to insurance for standard vehicles and includes liability coverage, comprehensive and collision coverage, uninsured/underinsured motorist coverage, and medical coverage. RV insurance may also include roadside assistance, coverage for personal items inside your RV, emergency expenses, pet insurance, and more depending on what may be useful during your travels!

We can help you find the best RV insurance coverage by considering things like the size and value of your RV, how often you use the vehicle, the type of coverage you want, and your budget.

Need to insure your Classic Car, RV, or Hot Rod? We can help!

LW Short Insurance compares policies from many insurance providers to find the best options for your vehicle and budget.

Start your quote now or call us at 843-357-7493 today!

15 Essential Fall Car Care & Home Maintenance Tips

Mon, 26 Sep 2022 12:00:00 GMT

15 Essential Fall Car Care & Home Maintenance Tips

Fall is a time of change. The leaves change color, the weather gets colder, and your car and home need a little extra TLC. With colder temperatures comes an increased risk of accidents and breakdowns, so it’s important to take the time to prepare for the winter months ahead and finish some home maintenance tasks you may have been putting off all summer. Taking some preventative measures now will save you time and money later on down the road!

Here are 15 essential fall car care and home maintenance tips to help you get started:

Check your car's oil level and change it if necessary.

Keep your car running smoothly and extend the life of your engine with regular oil changes! Check your oil level with a dipstick periodically and top it off when needed. If the oil on the dipstick looks dirty, it's definitely time for an oil change.

Clean your gutters and downspouts.

This should be done at least once a year to ensure that your gutters are clear of debris and able to drain water away from your home properly. If you live in an area with a lot of trees, you may need to clean your gutters more often.

Get your furnace serviced.

A well-maintained furnace can mean the difference between a comfortable winter and a cold, miserable one. Yearly service from a professional HVAC technician will identify any needed repairs and ensure your home stays warm and cozy all winter long.

Seal any cracks or gaps around your home’s doors & windows.

In winter, we want to keep the cold air out and the warm air in! Fill cracks or gaps around your doors and windows with new weather-stripping or caulk. Once you’ve sealed up the gaps, you’ll notice a big difference in your energy bills and your home’s comfort level.

Inspect your tires.

Check out the condition of your tires before winter so you can be safe in all weather! Look for signs of wear and tear (like cracks, bald spots, or cuts) and replace them if necessary. As temperatures drop, so will tire pressure. Check the air in your tires often and re-fill as needed. You'll get better gas mileage, extend the life of your tires, and navigate the roads better, too.

Change the batteries in your smoke detectors.

In the event of a fire, a dead battery can mean the difference between life and death. Check your smoke detectors and change the batteries as needed to make sure they're working well.

Check your windshield wiper blades.

One of the best ways to stay safe in bad weather is to have fresh wiper blades. Check them by lifting the wiper arm away from the windshield and inspecting the rubber blade for cracks, tears, or signs of wear. If it looks damaged (or it doesn't clean well), replace it with a new one!

Inspect your headlights.

Headlights can dim over time, reducing your visibility when driving at night. Turn on your headlights and look at them from a few feet away. If you notice any holes, cracks, or other damage, you'll need to replace your headlight. You can usually find replacement headlights at your local auto parts store.

Wash and wax your car.

Washing and waxing your vehicle at least every few months will make your car look better and last longer! Give your car's exterior a good once-over to clean and seal the paint before winter and keep it looking its best for years to come!

Check your car battery.

A car battery typically lasts around five years, but it can start to show signs of wear and tear sooner than that. If you notice that your battery is dirty or has corroded terminals, you can clean them to restore a good connection. If your car is struggling to start or is having problems keeping a charge, it's a good time to go ahead and get it replaced.

Clean your dryer vents.

Dryer vents become clogged with lint over time, which can cause your dryer to work less efficiently and even pose a fire hazard. Cleaning the vents reduces this risk and saves energy, too!

Put patio furniture in storage.

When the winter months come, store outdoor furniture to protect it from the elements. First, clean and dry the furniture, then cover it with a tarp or store it in a cool, dry place like a shed or garage. In the spring, your patio furniture will be in great condition to enjoy the outdoors again!

Feed & seed your lawn.

If you like a lush, green lawn, you'll need to feed and seed your grass regularly. Seed in the spring or fall to replenish the grass in your lawn, and fertilize it so it has the nutrients to grow healthy and strong!

Store your garden hose.

Water trapped in your garden hose during freezing conditions can cause it to split and crack. To prevent having to repair or replace your hose in the spring, bring it indoors or completely drain the hose before you coil it. Laying the hose out on a hill will help make sure there's no water trapped inside and it can completely drain.

Reverse your ceiling fans for fall.

Reversing your ceiling fans is a quick and easy way to circulate warm air and make your home more comfortable as the temperatures start to drop. First, make sure that your fan is turned off. Next, find the switch on the side of the motor and flip it to the "reverse" position. Once you've done that, turn on your fan and enjoy the warmth!

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We want to wish you a Happy Fall!

Let us take care of you as you're taking care of your home and auto. If you need any help with your insurance plan or want to check or change your coverage, call LW Short Insurance at (843) 357-7493 or visit us online at homeautoinsurancesc.com .

12 Awesome Things To Do This Fall In South Carolina!

Wed, 31 Aug 2022 12:00:00 GMT

12 Awesome Things To Do This Fall In South Carolina!

With the incoming cooler weather, there are so many ways to get out and enjoy our great state! Before the holiday rush takes hold in full force, here are some of the very best ways to relax and enjoy the many things South Carolina has to offer in the Fall!

See the beautiful changing fall leaves

Beginning in early October until about Halloween the leaves will be most beautiful throughout South Carolina. It's the perfect time to take a trip and see the fall leaves burst into peak color! Hop in the car with the family to take in the sights – and if you're looking for some ideal routes, check this one out here !

Fall Is For... Waterfalls!

That's right! South Carolina is home to many gorgeous waterfalls that are just waiting to be explored. Plan a memorable day hiking or just relaxing while you get out and experience their beauty. The Sumter National Forest features seven waterfalls that are close together and easy to explore in one trip!

Plan a day trip by train

All aboard for adventure! Grab the fam and head out to explore a new city nearby for a day by train. It's a great way to get out and about (without the drive) and explore the nearby sights and attractions. Here are 5 fun day trips by train you and the family can take to get out of town for a day.

Take a hike!

What better way to decompress than by getting out in nature and hitting the trails? Whether alone or with friends and family, spending time in nature is a great way to escape and find some zen before the holiday crush. Don't miss these iconic hikes right here in the Palmetto State!

Spend some time shopping

Who doesn't love a good shopping trip? There are so many wonderful places to get out, get pumped for the holidays, or just relax and see what there is to offer at the many shopping villages and outlets across the state.

Enjoy a Fall lunch on the beach!

The end of Summer means fewer crowds and more beach for YOU! With the busy season behind us, there are plenty of quiet spots for you to unwind and enjoy the beautiful South Carolina beaches. Pack a lunch or one of the many beachfront cafes for a delicious meal and a relaxing afternoon.

Catch the Little River ShrimpFest!

If you love seafood, this festival can't be missed! Come hungry and enjoy all the shrimp and festival food you could possibly imagine at ShrimpFest in Little River! The event is held the 2nd weekend of October, so check it out!

...Or Oktoberfest!

If German food, culture, and beer is more your jam... head to one of the state's many Oktoberfests ! It's a great chance to sample delicious food, drinks, and entertainment all over our state!

Visit a state park

Our state is home to at least 47 state parks and historic sites for you to explore! And in the fall, they're even more beautiful with the changing leaves. Here are 12 state parks in SC that will be bursting with fall color!

Check out a free attraction!

Looking for something fun and FREE to do? Here are 15 free attractions and places to visit in South Carolina that you'll love!

Explore the state's most haunted road

With Halloween approaching, it's the perfect time to explore spooky sights! St. Helena Island is home to many locations considered to be haunted, including a fort with a wandering headless soldier, an open tomb from the 1800's, and mysterious floating lights along the road.

Get a "million miles" from everything... and have lunch, too!

Okay, so maybe it's not a million miles away, but Mill Pond Steakhouse south of Camden is known for being one of the best places to grab a top-notch dinner in a remote destination with beautiful scenery along the way!

7 Ways to Keep Cool and Safe During a South Carolina Summer

Tue, 26 Jul 2022 12:00:00 GMT

7 Ways to Keep Cool and Safe During a South Carolina Summer

South Carolina summers can be brutal, especially in July and August when the days are at their hottest. It’s important to keep cool and safe during these summer months, so that you don’t get heat exhaustion or a heat-related illness from being in high temperatures for too long. Here are seven ways to keep cool and stay safe during South Carolina summers.

Drink Plenty of Water

Drink more water than usual and don’t wait until you’re thirsty to drink. Have plenty of water on hand while outside, in the car, or at work. Avoid caffeine and alcohol because they dehydrate the body even more. Be aware of how your body feels – muscle cramping may be an early sign of heat-related illness. If you are feeling too hot, weak, tired, or having cramps, don't wait to get out of the heat and get help.

Wear Light Clothing

When temperatures outside are soaring, loose, lightweight, light-colored clothing is best for keeping cool and comfortable in the heat. Don't forget to wear sunscreen and a hat outdoors, too!

Stay In The AC As Much As You Can

The number one way to protect yourself is to stay in air-conditioned buildings as much as possible. If your home is not air-conditioned, reduce your risk of heat-related illness by spending time in public facilities or air-conditioned vehicles. Limit outdoor activity if you can, especially in the middle of the day when temperatures are hottest. And of course, never, never leave kids or pets inside of vehicles unattended.

Wear Sunscreen

It's important to protect your skin from the sun's harmful rays, and wearing sunscreen is one of the best ways to do that. Look for a sunscreen that has an SPF of 30 or higher, and that is broad-spectrum, meaning it will block both UVA and UVB rays. Apply sunscreen generously all over your body, and don't forget to reapply every two hours (or more often if you're swimming or sweating).

Schedule Outdoor Activities Early in the Day

Reduce weight in your car

Removing heavy and bulky items from your vehicle will reduce the weight and drag on your car, saving gas consumption. Clean out your trunk to remove unneeded items, and remove cargo containers or bike racks until you need them.

Check on Friends & Neighbors

No one should have to suffer through the summer heat alone. Elderly or very young children are most susceptible to heat-related illness. Check on your neighbors and people you know, especially if they don't have air conditioning to make sure they're staying cool and drinking enough water. And don't forget to ask someone to do the same for you!

Limit Stove and Oven Cooking

Try to limit your use of the stove and oven when cooking. Not only will it make you hotter, but it will also make your house hotter. Instead, opt for no-cook meals or meals that can be cooked in the microwave. If you must use the stove or oven, try to do so early in the morning or late at night when it’s cooler outside.

High temperatures kill hundreds of people every year. Staying hydrated and in air-conditioned buildings is your best defense against extreme heat. Getting too hot can make you very sick, and the high humidity makes it even harder for your body to cool off. If you are feeling ill, nauseous, exhausted, dizzy, having muscle cramps, or just feeling too hot... get out of the heat immediately, and don't wait to get help. Learn the symptoms of heat-related illness and what to do for yourself, friends, family, and loved ones:

How To Save Money At The Gas Pump This Summer

Tue, 21 Jun 2022 12:00:00 GMT

How To Save Money At The Gas Pump This Summer

The price for a gallon of regular gasoline has hit an all-time high, at a national average of $5.00 a gallon. What can you do to save money at the gas pump this summer? Here are a few ways to ease the strain on your wallet and make your car more efficient for summer driving.

Use less gas

The fastest way to spend less on gas is to buy less gas. This means cutting the amount of driving you do on a daily basis by trimming unnecessary drives around town and grouping errands together into one trip. Consider spacing out grocery and other shopping trips and traveling for pleasure to destinations closer to home. The saved gallons will add up over time and reduce your monthly gas bill considerably.

Compare gas prices

Gas prices can vary widely even in the same town. Use an App to plan ahead and find the best gas prices near you. GasBuddy , AAA, Gas Guru, and even Google Maps or Waze can help you find a better price per gallon and show directions on how to get there.

Consider how you pay

Some credit cards offer cash back or a discount on gas purchases, and many chain gas stations and even grocery stores offer membership discounts. Make sure you've signed up for rewards programs where you buy gas, so you can get the biggest discount possible.

Opt for regular gasoline instead of premium when possible

Most vehicles are built to use regular gas. Drivers who choose premium types of gasoline will pay much more per gallon than those who fill up with regular gas. If your vehicle can accommodate regular gas, consider using regular to cut your gas bill for the summer.

Slow down!

Keeping speeds under 75 MPH is much more efficient when driving on the highway, and reducing your speed even further to 65 can increase fuel economy by as much as 15 to 20 percent. In town, accelerate slowly and avoid hard braking. Slow and steady driving is more efficient overall and will make your tank last longer.

Reduce weight in your car

Check your tires

Properly inflated tires drive better and are more efficient when it comes to gas use! Take a trip to the gas station and fill your tires to the manufacturer's recommended PSI to use less gas this summer.

Care for your car

Summer is the perfect time to give your vehicle a once-over, especially if you are planning trips. Doing some basic car maintenance will keep it running smoothly and let you use less gas per mile. Check the following to ensure your car is in top shape for summertime driving.

Coolant system , including hoses and joints.
Engine belts , look for cracks and loose belts to replace.
Wipers , easy to replace and critical for visibility in a storm.
Fluids , including brake, power steering, and windshield washer fluids.
AC system , a summertime essential!
Air filters , replace them yourself or let a mechanic handle it.
Tires , keep them properly inflated and in good condition. (Don't forget the spare!)
Sunshade , keep the inside cool to use less AC.

We hope you can save some money on gas this summer with these tips!

If there is any way we can save you money on your auto insurance, too, give us a call! Our agents can review your policy to make sure you are getting the most savings possible to reduce your monthly bill. Call our office at (843) 357-7493 or visit us online at homeautoinsurancesc.com .

Hurricane Season Is Starting! Let's Get Ready.

Wed, 25 May 2022 12:00:00 GMT

Hurricane Season Is Starting. Let's Get Ready.

June marks the beginning of South Carolina's 2022 hurricane season , and a busier-than-average season is once again in our forecast.

Typically, around 14 named storms, seven hurricanes, and three major hurricanes are tracked in a season. This year, however, scientists at Colorado State University predict at least 19 named storms and nine hurricanes, with four of them being Category 3 or higher.

2021 ended up being the third most active hurricane season on record, with 21 named storms, seven hurricanes, and four major hurricanes. Strong winds, flying debris, and severe flooding from these storms caused billions in damage to homes and properties throughout the coastal US.

As always, the best time to prepare for a storm is before it strikes! We strongly recommend your family gets prepared now for the increased chance of dangerous weather ahead.

Hurricane Readiness Kit:

Prepare an evacuation plan.

Decide now where your family will evacuate in the event of a major storm. Map the routes and keep them handy, and communicate this plan to family members in case you can't reach one another, or you get separated.

Prepare supplies and a go-kit.

Preparing for the storm includes what happens afterward. You need at least 3 days of supplies in case electricity and water are out for an extended period. Preparing a kit with necessary items that are easy to grab in case of evacuation is critical. Consider including in your hurricane kit things like spare keys, cash, medications (a two-week supply), chargers and batteries, important documents, hygiene items, a battery-operated radio, flashlight, and rain gear.

Get organized now.

In a disaster situation, it helps enormously if you get organized and prepared well in advance so you don't forget anything. There are great checklists and planning tools out there like Ready.gov , The American Red Cross , and Hurricane.sc to help you plan.

Take threats seriously.

Storms are getting larger and more powerful, so it is important to treat incoming storms seriously. If an evacuation order is made, follow recommendations to get your family to safety.

Protect your home with an insurance check-up.

We are here to help you navigate damage caused by weather events, including storms, hurricanes, and flooding. Most standard home insurance policies don't cover flooding. If you want to add flood coverage, you should do it now, well ahead of a big storm comes. Ask your LW Short insurance agent to check that your policies are up to date and able to cover any repairs caused by storms!

Is your home & family ready in case of an emergency? Let us review your coverage before it's too late! Contact your agents at LW Short Insurance to schedule a policy review so we can keep your family above water during hurricane season and all year long!

Planting Tips For Growing A Beautiful Garden

Tue, 10 May 2022 12:00:00 GMT

Planting Tips For Growing A Beautiful Garden

Even if you weren’t born with a green thumb, you can still grow a great garden! From flowers and hedges to herbs and veggies, here are some growing tips from the pros on creating a beautiful garden you can enjoy all year long!

Pick the right spot

If you plan to grow edible plants in your garden, they will need plenty of water and sunlight. Most veggies, herbs, and fruit plants need 6 hours of sunlight or more to thrive. Look for sunny areas that are close to a water source so you won’t struggle to water your plants. Choosing a highly visible area is important too! That way you’ll remember to spend time in your garden and enjoy the fruits of your labor.

Give new plants room to grow

Plants that are well taken care of grow, grow, grow! Seedlings and young plants need to be spaced far enough apart so when they’re all grown up they won’t compete for resources. Look at the tags on new plants to see how big they get when full-grown and space them far enough apart in the ground. It’s best to have a little wiggle room in your garden for plants to grow and for you to maneuver without damaging growing leaves and branches.

Water and feed your plants well!

Depending on the soil quality around your home, you may want to mix in a little compost or potting soil to get the ground ready for new plants. Turn the first couple of inches of dirt over to make it soft and remove any big rocks you find. This will help with drainage and give plants a nutrient-rich home to thrive in. Wondering when it’s time to water? Poke a finger into the dirt about one-knuckle deep. If it’s dry, it’s time to give your plants a drink!

No room for a garden? Start with containers

If you’re short on yard space, containers provide a convenient solution for growing a space-saving garden! Many vegetables, flowers, herbs, fruit trees, and bushes grow wonderfully in containers. And while traditional plant pots and wooden planters work great, almost anything can be made into a container for planting! There are tons of great DIY ideas out there to make container gardens from up-cycled materials like empty buckets and bottles, colanders, teapots, tires, tote bags, and more!

Choose the right plants for your area

Knowing what plants will work best starts with knowing your Hardiness Zone . South Carolina contains zones from 8a and 8b near the coast, to 7a in the state’s upper northwest. Make sure to check what plants thrive in your zone before you purchase new plants!

Another sure way to know what will grow well where you live is to choose native plants . They already live where you do, so they will be right at home in your garden, too! Choosing native plants also eliminates the threat of introducing invasive species, and they help local populations of butterflies, birds, and animals. Click here to see what is native to your area!

More quick tips:

Reserve the water from boiling & steaming vegetables to water potted plants. The nutrient-rich broth stimulates their growth!
Many plants like azaleas, rhododendrons, camellias, gardenias, and even blueberries love slightly acidic soil. Sprinkle up to 1/4 inch of leftover coffee or tea grounds on the dirt around your plants once a month to keep soil slightly acidic.
Looking for a fast way to dry garden-fresh herbs? Place a sheet of newspaper on the seat of your car and put herbs in a single layer on top. Close the the windows and doors, and your herbs will dry in a hurry! (And make your car smell nice, too.)

Happy planting!

Save Money By Spring Cleaning!

Thu, 31 Mar 2022 12:00:00 GMT

Save Money By Spring Cleaning!

Spring cleaning may not be everyone's favorite thing to do... but we all like saving money! Cleaning up can make energy and gas costs go down, and taking care of appliances will make them last years longer. Plus, you may uncover some unneeded clutter that can earn you a return this spring! Ready to start? Let's get your living space in order and enjoy some extra cash, too!

Prolong The Life Of Your Appliances

Keeping appliances in top shape with regular maintenance means you can extend their life by years and save on energy costs! Pay special attention to:

Refrigerator Coils
Unplug and dust out your refrigerator's coils! You'd be surprised at the dust that accumulates over time making it work harder to keep food cool. Clean coils can save you about 6% in energy costs off your fridge's electric bill this year and make the whole unit last longer! Use a vacuum attachment or brush to clean out the dust bunnies and wipe the coils with soapy water if they're cruddy.

Vacuum Maintenance
Vacuums can last a decade or more if properly cared for. Wipe down the canister inside and out with a damp rag, use an old comb to get string, hair, and debris from the rollers, and check the belts for wear and tear to replace them as needed. Last, check hoses and attachments for clogs or holes in the tubing. Small leaks are easily fixed with a little duct tape!

Replace AC Filters
The general rule is to change (or clean) your filters every 3 months, and it's for a good reason. Dirty filters lower indoor air quality and make the AC unit work harder. Not changing filters regularly can inflate energy costs by between 5-15% and put extra wear & tear on the whole system. Replacing filters a few times a year is oodles cheaper than shelling out for a new HVAC or suffering through allergy season.

Take Care Of Your Vehicle & Save At The Pump!

Do you carry extra stuff around in your trunk or back seat? All that additional weight makes you use more gas, so take out any junk you don't need to shave a bit off your fuel consumption. The same goes for bike racks or cargo containers. They can increase drag and weight, slowing you down. Only use them if you need them!

Regular maintenance will also keep your car running smoothly and save you about 4% on average for fuel. Bigger repairs can save even more – up to about 40% for larger repairs like a faulty oxygen sensor. Go ahead and make sure everything is working as it should this spring, and also check that your tires are properly inflated and you're using the right oil for your engine.

Save Money With Homemade Cleaners

You don't need to spend a fortune on cleaners to get your home clean & shiny. Often homemade cleaners work just as well and are less toxic than store-bought detergents and polishes. Here are some common cleaners you can use right out of the kitchen!

Baking soda & water makes a wonderful cleaning solution that deodorizes and cleans appliances, countertops, and even ovens. Dissolve 1 part baking soda in 5 parts water for an all-purpose cleaner, or flip that ratio to make a mildly abrasive paste that shines up stainless steel beautifully.
Coconut oil worked into wood with a cloth makes a quick and easy furniture polish.
Cold black tea wiped over wood furniture can polish & restore a bit of color.
Lemon juice & vegetable oil brightens up hardwood floors. (1 part lemon juice to 2 parts oil.)
Coconut oil & baking soda combined into a paste can clean away sticky residues.
Toothpaste is another mild abrasive that is great for polishing silver.
Ketchup can also polish copper!
Olive oil dissolves tar.

Find Some Extra Cash In Your Closets!

If you haven't used something in the last year or two, you probably don't really need it. All those extra clothes, appliances, gadgets, games, and more are doing you no favors sitting around collecting dust when they could be making you money (or helping out someone in need) instead!

Spring is a great time for a yard sale, and going in with some neighbors can make the event even bigger to get more customers and sales. Online marketplaces like Craigslist or Facebook marketplace are often busy this time of year with people looking to unload or snag a good deal. Or if you don't want to deal with actually selling , you can always donate to charities and get a deduction on your taxes.

What's Going On With Home Insurance And How Can I Keep My Rates Low?

Mon, 21 Feb 2022 12:00:00 GMT

What's Going On With Home Insurance And How Can I Keep My Rates Low?

Many homeowners across the country have seen home insurance rates rise in 2022. This increase is due to many factors over the past year. Claims are more frequent, building materials have been more expensive and harder to find, plus there is a shortage of workers in the construction industry. Together, this means the cost of rebuilding homes or making repairs has been higher, and many homeowners have seen rates go up as a result.

But what exactly is driving this trend in home insurance rates? And what can you do as a South Carolina homeowner to keep your bill low? Let's explore what's causing this change and share solutions to keep your costs down.

Know That LW Short Insurance Always Has Your Back

We know seeing an increase in your bill is not what you want! We don't want that either, which is why our agents are working proactively to review all available policies, options, and discounts to bring you the best price for the coverage you want in 2022. We are reaching out to our policyholders to review coverage, ensure everything is current, and get you today's best deals.

What is causing an upward trend in home insurance premiums?

More claims have been filed this past year due to an increase in natural disasters.
On top of day-to-day weather-related losses, there have been eight major natural disasters with losses totaling over $1 Billion in damages in 2021. Carriers are anticipating that weather-related claims will remain higher in the coming year.

Nationwide material shortages have caused supply costs to increase, especially for lumber and roofing materials.
Lumber and wood product prices are up 6.2% over last year, while asphalt roofing prices are up 16.3%. These costs make it much more expensive to repair and rebuild homes.

A shortage of construction workers makes home building and repair more difficult and costly.
As of Summer 2021, there are 358,000 job openings in the construction industry, and this gap continues to grow. Builders need to be more competitive to attract and keep workers, which increases the total cost of repairs.

All these factors combine to drive costs up for insurance companies, which reflects in the rates they are offering this year nationally.

So what can you do to keep home insurance costs down?

LW Short Insurance can help you switch carriers to find a better offer.
Because we are an independent agency, we review policies from all insurance carriers to compare prices, coverage, and discounts and bring you the best options. You aren't locked into using a single carrier, and we can build custom plans that work best for your family. Let us get you a better rate faster and with less headache than shopping for insurance solo!

Consider increasing your deductible.
One quick way to lower your insurance bill is to increase your deductible. This can save you a lot on premiums now, and you can always increase your deductible again next year if you choose.

Make sure policy limits reflect the actual cost of rebuilding your home.
Home insurance premiums are in part based on the projected cost of rebuilding your home using current rates. Many factors go into calculating this cost, and what a carrier may think they know about your home can differ from reality. Let us review whether your current rates reflect the actual cost of rebuilding in 2022 so you don't overpay on premiums.

Lock in discounts for weather mitigation and other improvements.
Let us make sure you're getting all the discounts you deserve! If you've protected your property in various ways – including installing hurricane shutters, gable-end bracing, roof enhancements, and other weather mitigation features – you could save a lot on your monthly bill!

Consider bundling insurance coverages to access multi-policy discounts.
Sometimes it's cheaper to use different insurance carriers for your home, auto, boat, business, recreational vehicles, and more. Other times, bundling under a single insurer can get you a big discount! We'll review rates for individual policies vs. bundling to find you the best deal.

Reduce your contents coverage on wind and hail policies.
Similar to increasing your overall deductible, reducing contents coverage on wind and hail policies can reduce the cost of your insurance rates quickly.

LW Short Insurance Agency is here to help!

One of the biggest benefits of working with an independent agency like LW Short Insurance is that we do the hard work for you to create custom insurance plans drawing from the entire insurance landscape. We can bundle policies or explore different carriers to get you more options for the insurance you need at the best rates across the industry.

We are reviewing policies for savings and discounts, so you can be certain you are getting the right coverage at the best price. If you'd like to speak to your agent now, give us a call at (843) 357-7493, and we'll be glad to explore options and review your policies for more savings.

As always, thank you for trusting us with your insurance needs! We are grateful for the opportunity to serve you with quality insurance for South Carolina families.

Let's Get Ready For Tax Season! Homeowner Deductions & Credits For 2022

Tue, 01 Feb 2022 12:00:00 GMT

Let's Get Ready For Tax Season! Homeowner Deductions & Credits For 2022

We made it through 2021! That means tax season is right around the corner, and homeowners and families can take advantage of credits & deductions to lessen their overall tax bill and hopefully score a refund.

While tax forms aren't due for a couple of months, the IRS is advising that it's a good idea to get your taxes filed a bit early this year. So while you fill out your forms, keep these deductions and credits in mind.

Homeowner Deductions & Credits

The actual amount of money you save on your income taxes depends on many factors including your filing status, taxable income, other deductions, and your standard deduction amount. But if your home-related & other itemized deductions add up to more than the standard deduction, they could save you money this year!

The following can be eligible for a tax deduction:

Mortgage interest on your primary residence and a second residence.
Property taxes , including taxes you may have reimbursed the seller for before you took ownership. (This amount is shown on your settlement sheet.) State and local taxes including property taxes are limited to $10,000 per year.
Interest on up to $100,000 borrowed for a home equity loan or home equity line of credit (for tax years prior to 2018 only).
Points you paid (or the seller paid for you) when you purchased a house.
Home improvements that were required for medical care.
Residential energy efficiency improvements

What Is Not Eligible?

The following are not eligible for deductions on home expenses in 2021:

HOA dues
Home insurance
Appraisal fees
Other improvements that don't qualify as medical expenses or energy improvements.

There are dozens of other credits and deductions you may qualify for as well when filling out your 2021 tax return – from charitable contributions and child care expenses to credits & deductions for self-employment, working from home, investing, saving, job expenses, travel, health, loss & theft, energy efficiency upgrades and more! Check out a larger list of credits and deductions here .

From your friends at LW Short Insurance, we're wishing you a smooth and happy tax season!

Kick Off 2022 With 31 New Year’s Resolutions (That You Can Actually Do)

Wed, 29 Dec 2021 12:00:00 GMT

Kick Off 2022 With 31 New Year’s Resolutions (That You Can Actually Do)

Another year, another chance to make resolutions you’ll *totally keep* this time, right?

For 2022, let’s try some new ones that we can actually stick to and might make a bigger impact.

1. Pick up a new book. Feeling ambitious? Set a reading goal, like one book a month!

2. Bump up your savings. Even little bits add up! Commit to saving a tad more each paycheck. It’ll pay off down the line.

3. Clear out some clutter. Pick a messy closet, coffee table, or even a dreaded “Doom Box” you’ve been wishing would disappear. You’ll feel better with some of the clutter cleared away.

4. Put some bills on autopay . If scheduling some bills won’t stress you financially, this one is a true win-win. Never pay late fees again and it’s one less thing to think about every month.

5. Be kind on social media. Seems like a no-brainer, but if you don’t have anything nice to say... it’s usually best to just keep scrolling!

6. Volunteer. It feels so good to do something for others. Plus, it’s good for your physical and mental health, too!

7. Buy less plastic. Plastic is everywhere – literally. Let’s resolve to protect our oceans, earth, and wildlife by consuming less plastic.

8. Drink more water. Shockingly, water is good for you! Get a few more glasses in each day and see if you feel better.

9. Work out to feel great – not get thinner. The last few years have been hard enough without obsessing over a number on a scale. If we’re resolving to exercise more, let’s do it with the goal to feel amazing, not get smaller.

10. Wear sunscreen. Your skin will thank you! Even short periods in the sun like driving or taking a walk can do damage.

11. Donate clothes you never wear. If you haven’t worn it in a year or more, it’s probably time to pass it on to someone else.

12. Get a haircut. A real one. It might make you feel like a new person!

13. Go somewhere new. It doesn’t have to be a full-on vacation. Try a new restaurant, hike a new trail, or check out a different coffee place. You may find your new fave!

14. Be nice to yourself. Seriously, stop beating yourself up. Talk to yourself like you would a good friend.

15. Catch up with a friend. It’s so easy to fall out of contact when we’re busy with our own lives. Even a quick call, text, or email can make a difference!

16. Don’t buy things you don’t need. If you don’t need it, don’t buy it! It’ll make saving more that much easier.

17. Start cooking! Learn a new recipe or a whole new set of skills. It’s good for your body, brain & budget!

18. Get a plant. Keeping a plant in your home can reduce stress and improve air quality. Not sure if you have a green thumb? Start small with something low maintenance.

19. Stop gossiping . Spread positivity instead in 2022!

20. Get crafty. Even if you don’t consider yourself an artistic person, there’s something so satisfying about making something with your own hands.

21. Try to pay down credit cards. Wouldn’t it feel so good to get out of debt or see a zero balance each month? It’s possible! Little steps go a long way.

22. Clean out your car . Wrappers under the seat? Crumbs in the cupholder? Piles of paper on the dash? Give your car some love!

23. Keep a journal. Checking in with yourself can battle anxiety, stress, and depression. Even jotting down a few sentences a day can help.

24. Avoid complainers. A negative attitude spreads. Surround yourself with positive people if you can!

25. Go to the dentist. Did the pandemic put your regular dentist appointments on pause? It’s time to get back in the dentist chair.

26. Do something that scares you. Be brave!

27. Reduce your waste. We make way too much trash – as much as 2,000 pounds per person each year. (Yuck!) Try trading in disposable paper towels for cloth and try to bring reusable bags out shopping. It matters!

28. Do random acts of kindness. Anyone can be kind. Share your goodwill with others throughout the year.

29. Give a compliment each day. You might make someone’s day!

30. Turn your phone off one night a week. Staring at screens keeps us up longer and leads to poor sleep. Give your eyes a rest!

31. Write down your goals. Commit your goals to paper in 2022. Research says if you write it down, you’re 42% more likely to achieve it! We all can’t wait to see what you’ll do this year.

A Handy Guide To Winter Home Maintenance

Fri, 03 Dec 2021 12:00:00 GMT

A Handy Guide To Winter Home Maintenance

The winter season is one of the most important times of year to ensure that your home is in great shape, both inside and out. With colder temperatures on the way, it’s best to catch any issues before they snowball into bigger problems, causing damage to your home. Whether you’re in charge of maintaining your own home or you’re just trying to get through the season, this guide will help keep you on track and give you the tools you need for a smooth winter season.

Give Your HVAC A Check-Up

Make sure your heating and cooling systems are in good order by getting them checked once a year. Filters should be replaced every three months to ensure that dust particles and allergens don’t circulate through your HVAC system.

Watch For Pests

During colder months many seek refuge indoors. Keep an eye out for signs of insect or rodent activity (especially around basements, attics, roofs, garages, and outdoor toolsheds) and call for pest control at the first sign of infestation.

Prevent Burst Pipes

Freezing water inside pipes can cause them to burst in cold weather – causing costly damage to your home. To prevent freezing, maintain a minimum temperature indoors (especially in vacant or rarely used buildings), and insulate exposed pipes. Pay close attention to attics, garages, basements, or crawl spaces! Leaving a faucet dripping during particularly cold nights can also help relieve some pressure and avoid a burst pipe.

Reverse Ceiling Fans

One of our favorite tips is to reverse your ceiling fans when it’s cold outside. Running them in reverse pushes hot air down so that cool air circulates up and your rooms feel much warmer.

Inspect Water Heaters

A properly functioning water heater is one of your home’s most important appliances. If it starts to malfunction or starts to smell funny, get it checked immediately.

Check Building Exteriors

Do a thorough sweep of the whole exterior of your home, including gutters, foundations, walkways, doors, and windows. As you go through your checklist, look for water damage, damaged window or door frames, cracks in the foundation or walls, or window glass that needs repair.

Getting A Tree For Christmas? Bring It Home Safely!

Getting a tree home safely can be a little tricky! Fortunately, AAA has provided these tips to help you safely get your Christmas tree home this year:

1. Call the tree lot or check if they've posted information online about availability & COVID protocols.2. Bring strong rope or nylon ratchet straps, an old blanket, gloves, and the right vehicle. A roof rack is ideal, but a pickup truck, SUV, van, or minivan will work!3. Ask the lot to wrap your tree in netting, and secure loose branches with rope or twine before loading.4. Cover the roof of your vehicle with an old blanket to prevent scratches & damage.5. Load the tree on your roof rack or in the truck bed with the trunk facing the front of the car. NOTE: If you don't have a roof rack or truck bed, you might try to tie the tree to your roof by running a rope through your open windows... but this not recommended because it's much harder to secure the tree well for transport. If you have an SUV or van large enough, your best bet is to put the tree inside or borrow a vehicle that does have a roof rack or truck bed.

6. Secure the tree at its bottom, center, and top using strong rope or nylon ratchet straps. (Avoid the twine offered by many tree lots.)7. Use fixed vehicle tie-down points and loop the rope or strap around the tree trunk above a branch to prevent side-to-side or front-to-rear movement.8. Once secured, give the tree a few strong pulls from different angles to make sure it is fixed in place and won't come loose while you drive.9. Drive slowly and take back roads home if you can. High speeds can damage your tree or cause it to wiggle free from its ties.

REFER A FRIEND TO LW SHORT INSURANCE

Thank you for being a part of the LW Short Insurance family! If you love our service & savings, consider sharing us with a friend! We would love to help your friends and neighbors get great coverage and better service from a local agency. Visit LW Short Insurance online at homeautoinsurancesc.com or call 843-357-7493 for a free quote!

Happy Thanksgiving! 13 Fun Thanksgiving Facts & Family Events Coming Up

Thu, 28 Oct 2021 12:00:00 GMT

Thanksgiving is one of our favorite holidays of the year! Not only do we have yummy food and time with loved ones to look forward to... we also get a chance to say THANK YOU to our LW Short Insurance family. We appreciate you and value the trust you've placed in us to safeguard your family, home, and business throughout the year. We wish you a happy and safe Thanksgiving, with plenty of laughs, love, and great times ahead!

For a little Thanksgiving fun, we've dug up some interesting Thanksgiving facts you may not have heard about! Check out these tidbits you can share around the Thanksgiving dinner table.

13 Fun Thanksgving Facts!

The first Thanksgiving was celebrated in 1621 over a three-day harvest festival. It included 50 Pilgrims, 90 Wampanoag Indians, and lasted three days.

Historians believe only 5 women were present at the first Thanksgiving.

Sarah Josepha Hale (the woman who wrote “Mary Had A Little Lamb”) campaigned for 36 years to get Thanksgiving declared a national holiday, which Abraham Lincoln made official in 1863.

Turkey wasn’t served at the first Thanksgiving. Instead, it's likely venison, duck, goose, fish, eels, shellfish, stews, vegetables, pumpkins, and cranberries were on the menu... but not pumpkin pie or cranberry sauce!

On average, people consume 4,500 calories on Thanksgiving.

The average time spent cooking for Thanksgiving is 7 hours... but time spent eating the meal is only 16 minutes!

John F. Kennedy was the first president to "pardon" a Thanksgiving turkey, followed by Richard Nixon who sent his turkey to a petting zoo. George H.W. Bush formalized the tradition in 1989.

Minnesota raises the most turkeys in the US.

Butterball answers more than 100,000 turkey-cooking questions on their Turkey Talk Hotline each November and December.

According to Roto-Rooter, the day after Thanksgiving is the busiest day of the year for plumbers. (Don't put cooking oil down the drain, folks!)

The tradition of Thanksgiving football began in 1876 with a game between Yale and Princeton. The first Thanksgiving NFL game was played in 1920.

More people travel to Orlando, Florida than anywhere else on Thanksgiving.

As many as 81% of people say they prefer Thanksgiving leftovers to the meal itself!

Sources:

https://worldstrides.com/blog/2016/11/9-fun-facts-about-thanksgiving/
https://blog.nationwide.com/thanksgiving-fun-facts-infographic/
https://www.britannica.com/topic/Thanksgiving-Day
https://bestlifeonline.com/thanksgiving-facts/

Events Coming Up In November

Looking for something to do in South Carolina in November? There are tons of festivals, shows & events coming your way! Here are some of big things going on to enjoy with the whole family.

Art in the Park

November 13 – 14 Market Common in Myrtle Beach

Get your art on! Artists from all over the country will showcase paintings, woodworking, photography, jewelry, fabric, glass, metal, pottery, stonework & more!

Dickens Christmas Show & Festivals

November 11 – 14 Myrtle Beach Convention Center

Enjoy shopping and entertainment in a Victorian holiday marketplace! Find gifts, crafts & more from vendors in period costumes, festival displays, plus fun events with a chance to win presents!

Charleston's Holiday Market

November 19 – 21 Charleston Coliseum Convention Center

Food and fashion, gifts and glitter, music and magic - everything to make the holiday bright! Shop this Christmas extravaganza and meet Santa himself!

The Great Christmas Light Show

November 22 – December 30 North Myrtle Beach Park & Sports Complex

Enjoy millions of spectacular lights! Then head to Santa’s Village for hot chocolate, s’mores, and the Santa Express Train Ride featuring the one and only Mr. Claus.

Coastal Carolina Fair

October 28 – November 7 Exchange Park in Ladson

Enjoy rides, games, food, games, fireworks, music, performances & more for the family!

Harvest Festival

November 6th Johns Island County Park, John's Island

Live bluegrass music, pumpkin decorating, archery, games, all your favorite festival foods, plus a crafters market for great holiday shopping.

Hilton Head Island Oyster Festival

November 13th Lowcountry Celebration Park, Hilton Head Island

Love oysters? The Hilton Head Oyster Festival is your spot for live music, artisan shops, awesome food, drinks, games & kid's activities.

Intracoastal Christmas Regatta

November 27th Intracoastal Waterway – Little River to North Myrtle Beach

Watch the parade as it travels down the Intracoastal Waterway from the Little River Inlet to Dock Holidays Marina!

The Carolina Opry Christmas Special

November 1 – January 5 Carolina Opry Theater in Myrtle Beach

Get in the holiday spirit, catch a fantastic shoow, and enjoy holiday decorations galore!

REFER A FRIEND TO LW SHORT INSURANCE

Let's Get Ready For Halloween!

Wed, 29 Sep 2021 12:00:00 GMT

Let's Get Ready For Halloween!

Fall has arrived, and another Halloween is almost here! But that's not the only excitement coming up soon. October brings cooler weather, changing leaves, plenty of fun "holidays" to celebrate, and of course... the return of pumpkin spice everything ! Ready to embrace spooky season? We've got you covered! Here are ideas on how to get into the swing of Fall and prepare for fun at home, at work, and out on the town!

Crush The Costume Party

It's never too soon to start planning a killer costume! Whether you prefer to meticulously craft an elaborate get-up, grab random items from the closet, or just grab whatever's on sale, dressing up is the BEST part of Halloween. Need inspiration? Here are some ideas for kids , pets , couples , groups , and grown-ups . And if you're really stumped (or just want to kill some time), take a quiz for some quick inspo!

Scare Up Some Delicious Treats

More interested in spooky snacks and treats? We're way ahead of you. From desserts to drinks, dinners, and hors d'oeuvres, check out all kinds of great Halloween-inspired recipes you can share with the office, the kid's school, a party – or just enjoy yourself!

Have Some Halloween Fun!

The great thing about Halloween is that there's something for everyone to enjoy – no matter if you're staying in or going out! Take the kids Trick-Or-Treating (or Trunk-Or-Treating), pass out candy while watching scary movies, boogie in your living room to spooky tunes , or hit the town with these Halloween events coming up!

Treat Every Day Like a Holiday

Whether it's for real or just for fun, there's always a reason to celebrate! Introduce some extra fun to your family's days and show the people around you that you care by recognizing them on their special day. Want more days to celebrate? Check out tons more here!

8 Ways To Make The Most Of Back-To-School This Fall

Tue, 31 Aug 2021 12:00:00 GMT

8 Ways To Make The Most Of Back-To-School This Fall

With Labor Day just around the corner and kids heading back to school, the official start of Fall isn’t far away! From new schedules to new teachers, getting back into a school routine isn’t easy. But with some planning and helpful tips, you can help your family get off to a smooth start this Fall. Here are ways you can make the most of the back-to-school season & more!

Create a morning checklist

From remembering to pack books & lunches to making sure devices are charged and ready for class, students and families have plenty to remember before heading out the door. If you’re struggling with the morning rush, make a daily checklist using a whiteboard or sticky notes so your student won’t forget any essentials.

Set small, manageable goals to ease into a new routine

Especially in the first weeks, setting small daily goals can make the rush of a new routine much easier to manage. Begin with high-level goals like getting to the right classrooms on time, learning the names of teachers and classmates, and checking planners or your email daily for assignments and school news.

Know it’s OK to ask for help

We can all feel a little at sea at times, especially in navigating a new school year. Encourage your child to ask for help with problems of any size, from simple issues like locating a classroom to more complex needs like mental health support. Let your student know that teachers and school staff are eager to offer support and asking for help when you need it is a strength – not a weakness.

Read your email daily & stay in-the-know

Keep up with daily communications about what’s happening at school. The more you know, the more confident and comfortable your student and family will feel in their new classroom or school.

Prioritize mental health

It’s been a stressful time for everyone, and many kids have felt the changes of the last few years acutely. Celebrate successes, no matter how small, and encourage your children to speak up if they feel overly stressed, anxious, or depressed. School counselors are here to help your child manage anxious feelings and be resilient in the face of big change.

Be present and participate

One of the best ways to overcome new school jitters is to just show up and participate – and that goes for kids and adults. Help kids get to school consistently and on time, and encourage them to interact in class, even if it feels weird at first. Being involved in your child’s education will help them give their best effort and feel like they have a supportive partner in their new routine.

Explore new interests & opportunities

As kids get older, they’ll have more opportunities to explore new interests and talents. Whether your child is interested in sports, arts, technology, or languages, encourage them to look for ways to grow their talents in the classroom and with clubs or teams. Enriching your student’s experience with new activities is a great way to keep them excited and engaged in class throughout the year.

Brush up on school bus traffic laws

Adjusting to the extra bus traffic on the road can be a pain, but failing to follow bus safety laws can be even more costly. Passing a stopped bus on a two-lane road is always prohibited. And on four-lane or higher roads, drivers coming in the opposite direction should proceed with caution, but are not required to stop. There are heavy fines and penalties for passing a stopped school bus, so drive carefully to protect yourself and our kids from harm.

Labor Day Events Coming Up!

Looking for something fun to do for Labor Day? There are plenty of events throughout the area for your family to enjoy! From fireworks and music events to live theater, markets, outdoor activities & more – there’s something fun for everyone!

Click here for a list of upcoming Labor Day events in Myrtle Beach!

Get Ready For Mustang Week (September 6 – 11)

If you are a classic car lover, then Mustang Week is an event you don’t want to miss!

Kicking off September 6th, Mustang Week is like Spring Break for car enthusiasts who pack up their classic Mustangs and drive to Myrtle Beach from all over to attend shows and enjoy the classic cars they love.

Need auto insurance coverage for your classic car? LW Short Insurance can help!

Having the right kind of auto insurance for your classic car is critical to protect your passion and your investment. While a standard auto insurance policy can technically cover a classic car , it usually won’t offer the full value of your vehicle in the event of a total loss or consider the special uses of a collector vehicle.

Classic car insurance is designed specifically for your classic vehicle. If you have a classic car that needs full protection (or know someone who does), let us help find you the best options and the right coverage level.

Beat The Heat, Stay Safe & Have Fun!

Fri, 30 Jul 2021 12:00:00 GMT

Beat The Heat, Stay Safe & Have Fun!

We're right in the middle of another hot summer, but you can still have fun in the sun while staying cool & protected! Here are some ideas on how to beat the heat while getting the most from your summer vacation.

Quick Tips To Beating The Summer Heat

Sure, it's beautiful outside – but overheating can quickly ruin even the best day. Let's look at some ways to make summer's high temps just a little more enjoyable.

Has your AC gone out? Here's a quick temporary fix

A broken AC in the middle of summer is every homeowner's worst nightmare. But all you need is a fan, a bowl, and some ice to hold you over until help arrives! Put a bowl of ice in front of a fan. As the ice melts, the fan will push the evaporation-chilled air toward you, cooling you down in no time.

Leave the sun & heat outside

Soaking in the summer sun is great, but not inside! Pull down the curtains during the day to keep your home cooler while the sun is shining. And at night, a damp sheet hung in front of an open window will capture a nice breeze while cooling down your room.

Skip using the oven for a cooler home

We all know the oven can warm up your home rather quickly! So instead of baking something for dinner, try a refreshing pasta salad or quick hot dog on the grill!

Have Fun In The Sun While Staying Safe!

There's no shortage of fun things to do around here in the summer sun! But we also have to be careful about not getting overheated or catching a bad sunburn. Luckily, we can still have a blast while keeping cool and protected.

Go for a swim with the right sunscreen

Before you take a dip, lather up with an SPF 30 or higher broad-spectrum sunscreen that blocks UVA and UVB rays. Remember to re-apply at least every two hours!

Find a shady trail for a hike, or go for a quick kayaking trip

South Carolina has some of the most beautiful state parks in the country with plenty of shade. Whether you want to go for a hike, jog, or even kayak on a tranquil river, you've got plenty of options. Click here to plan your next expedition!

Enjoy nature while protecting your eyes

Whether you enjoy watching birds or listening to the waves, protecting your eyes from harsh sunlight is extremely important. Make sure to grab your UV protectant sunglasses to reduce your risk of cataracts and protect sensitive skin from sun damage.

It's Time To Prepare For Hurricane Season

Wed, 30 Jun 2021 12:00:00 GMT

It's Time To Prepare For Hurricane Season!

Hurricane season has arrived in South Carolina, and we want to make sure your family and home are safe and protected against any storms that may come our way.

Because disaster can strike without much warning, getting prepared beforehand is vital to keeping your family safe. Until a hurricane is near, you may not know whether you'll need to leave or hunker down for a bad storm and beyond. Having supplies, options, and several plans in place will help ensure that your family can weather an emergency situation.

Download the SC Emergency Manager App

The South Carolina Emergency Management Division has an excellent app that will let you receive updates, make an emergency plan, request help, and keep vital resources handy. It’s a great idea to install it early so you can be ready before a storm.

Prepare essential supplies well in advance

It's critical to have enough supplies on hand in case of disaster, but preparing for the aftermath is just as important. Electricity and water could be out for a long time, so you need to be prepared to take care of yourself and your family for at least three days.

Essential supplies:

Water & nonperishable food
A full tank of gas
Medicines & prescriptions
Cash
Extra batteries, chargers, and an emergency radio
With COVID-19, it's also a good idea to have extra masks, hand sanitizer, soap & disinfectant wipes

Make a plan (or a few plans) for what to do in case of an emergency

If you live in a hurricane evacuation zone , here are some tips to help plan what to do if you have to leave:

Find a trusted source for evacuation orders & weather updates
Have several options of where to go and plan how to get there
Prepare a "grab and go" bag of emergency supplies
Include pets and kids in your emergency plan
Be prepared to leave immediately if an evacuation order is made

If you are given an order to evacuate, you could head to an emergency shelter or a friend or family member's house outside the area. If you live outside the evacuation zone in a well-built house, you may choose to stay at home during the storm. Know what your options are and make a few back up plans just in case.

Protect your home with an insurance check-up

Before a disaster, ask your insurance agent to check that your policies are up to date and able to cover any repairs after a big storm.

Review your homeowner's insurance policy & deductibles to ensure you have enough coverage
Keep insurance docs handy to speed up any repairs or claims
Check coverage on autos & boats, too.

Remember, most standard home insurance policies don't cover flooding! If you want to add flood coverage, you need to plan well in advance of a storm. If South Carolina is in the projected path of a hurricane, insurance companies will suspend the ability to write new policies or add coverage. There is usually a 30-day waiting period for adding flood coverage, so it's critical to act sooner rather than later to protect your home.

Are your home and family ready in case of an emergency? Let us review your coverage before it's too late! Contact your agents at LW Short Insurance to schedule a policy review so we can keep your family above water during hurricane season and all year long.

Contact An Agent

Get Your Car, Boat & Home Ready For Summer!

Thu, 27 May 2021 12:00:00 GMT

We all have summer on our minds! From road trips and vacations to backyard BBQs or even adventures on the water – it's time to prepare to enjoy all the fun coming your way by getting your cars, boats, and home protected against the heat and ready for summer!

Keep Cars Running Great All Summer

It's road trip season! Make sure your vehicle can handle sunny summer travel by doing some regular maintenance on your car or truck.

When was your last oil change? Replace your oil and filter to protect your engine against sand, salt, and dust and keep it running smoothly all summer long!
Check & top up all of your fluids to protect against overheating and breakdowns.
Keep an eye on your tire pressure! Rough road conditions, potholes, and even air temperature can affect your tire pressure daily.
If your vehicle is riding a little rough or pulling to the side, get your tires aligned. Proper alignment makes for a smoother ride, saves on gas, and can extend the life of your tires.
Test your battery! Summer heat is the top cause of battery failure, and reduced battery life.
Inspect your brakes to make sure the strain of stop-and-go traffic and holiday travel don't put summer vacation plans on hold.

Essential Maintenance For A Cool & Beautiful Home

Get ready to enjoy backyard summer cookouts and stay cool indoors with some simple home maintenance that can make a world of difference.

Reverse the direction of your ceiling fan to turn counterclockwise to push cool air down and create a wind-chill effect. Switching the direction of your fans can make you feel cooler, plus it gives you a chance to wipe some dust off the blades while you're up there!
Speaking of cool, service your AC before it gets too hot. Also, remember to change the air filter to get rid of the last of the spring pollen circulating through your house.
Give your grill a good cleaning to prep for summer cookouts!
Check your deck for loose nails or rotting boards. Replace and re-seal if needed!
Pressure wash your driveway and home's exterior to keep it looking great all summer long!

Make Sure Your Boat Is Ship-Shape!

Ready to hit the water? Before you go, make sure your boat is cleaned up, sea-worthy, and ready to sail!

If your boat has been sitting all winter, start by removing the covers, unpacking, and prepping for a thorough scrub-down.
Clean surfaces with non-abrasive boat soap and a sponge. Rinse, let air dry, and seal with polish or boat wax to protect against the elements.
If your boat has a freshwater system, flush it out and remove any leftover antifreeze. Open and inspect any seacocks. Ensure cool water is flowing through any outboard engines. Check sanitation systems if you have them. And finally, ensure bilge pumps are working properly.
Inspect your engine or have a boat mechanic have a look to make sure everything is in proper working order.
Finally, double-check emergency equipment and make sure your first-aid kit is stocked so you can be 100% prepared in case anything happens at sea!

Looking For Something To Do? See Fun Events Happening Soon!

Get out and enjoy the summer with tons of fun events for the family happening throughout the Grand Strand!

See fun events coming up!

Thank you for being part of the LW Short Insurance family! If you ever need help reviewing your policy, adding a car or boat, or making changes to your home insurance, give us a call!

We hope you and your family all have a fun and safe start to summer!

Landscaping Tips To Beautify Your Home!

Tue, 27 Apr 2021 12:00:00 GMT

Having a beautiful lawn and garden makes spending time outside more enjoyable while adding curb appeal and value to your home! With spring in full swing, now is the perfect time to give your gardens a refresh and get ready for a delightful year outdoors– no matter your skills, or budget.

Plan Gardens To Last All Year Long

Planning a pretty garden that lasts with minimal upkeep is ideal for most busy families. It's mild and sunny now... but summer heat will quickly come, followed by cooler fall and winter weather. To keep gardens growing all year long, plant a variety of flowers, shrubs, and trees that bloom at different times in the year. When spring flowers wilt away, you'll have the next crop of lovely blooms and greenery already coming in and looking sharp as ever.

Layer Flower Beds In Rows

Pro gardeners plant beds in three rows with taller plants in the back, a middle row at medium height, and a front row made up of shorter plants and blooms. When viewed at a distance, this layering provides a gorgeous backdrop and makes sure none of your lovely plants are hidden.

Mix Deciduous and Evergreen Trees & Shrubs

Many home landscapers focus on spring and summer plants, and forget that gardens can still look green in the wintertime! A healthy mix of deciduous and evergreen plants will provide structure, color, and variety even in the colder months.

Use Annuals to Fill the Gaps Between Perennial Blooms

Low-maintenance planters love perennials that keep blooming year after year. While they're easy maintenance, they can have a short blooming period – leaving garden beds sparse until the next batch grows in towards summer. Mix in annual flowers to fill the gaps and provide color and beauty between perennial blooms to keep your garden always bright and cheerful.

Don't Forget About Hardscaping!

Landscaping is much more than just plants and flowers! Fences, borders, arbors, decks, trellises and walkways frame your property and provide structure for your overall yard and garden. These hardscaping features can be just as important for creating a unified, pretty look for your garden.

Vary Plant Shape And Texture

A garden with variety is beautiful to look at and brings together many plant heights, leaf shapes, and foliage colors to make a cohesive garden with interest and appeal. Vary your leaf forms, shapes, textures, and colors to lead the eye and add shape and excitement to your planting.

Pull Weeds Often and Early

Nobody likes weeding, but without maintenance, your garden can become dappled with weeds, dandelions, and other intruders. Cast an eye on your garden as you walk to the car and mailbox to catch weeds early and get them out of the way before they multiply. A little preventative weeding a few times a week can save your back and knees and a lot of trouble!

Consider Drought Resistant Plants

Even the best-planned garden can fall prey to scorching summer heat! Choosing plants that can weather a hot dry summer will stay perky without straining your water bill. Succulents are natural hot-weather choices, but there are tons of other plants that require little water and stand up well to hotter temperatures.

Remember... Plants GROW!

When you're picking out plants to fill your garden, remember they will get bigger and a cramped plant is an unhappy plant. Keep in mind the plant's final size as well as light and water needs to make sure they are happy, well-spaced, and have access to everything they need to thrive.

Ready to get planting? Head to your garden center or nursery and see what's ready to join your garden beds! A little planting now can make your home look beautiful all year long without too much work or upkeep. It's a great way to spend some time outside, get a little exercise, increase your property value, and make your home even more beautiful for a long time to come!

Fun & Offbeat Holidays To Welcome Spring!

Wed, 24 Feb 2021 12:00:00 GMT

Spring is almost here! But while we wait for warmer weather, there are plenty of fun "holidays" just around the corner to spice up your final days of winter and kick off spring with a smile. Mark your calendars! Here some of our favorite days coming up and tips on how you can celebrate, too.

National Poultry Day, March 19

Chicken, turkey, duck & egg lovers rejoice! National Poultry Day is Saturday, March 19th. Whether you start your day with eggs for breakfast, grab a turkey sandwich for lunch, or go all out with a big chicken dinner, there are tons of ways to celebrate, and even try a new recipe! Here are a few classic poultry recipes to try:

If you don't feel like making a big fuss, we invite you to try our favorite easy Turkey Ruben sandwich! It's turkey breast, swiss cheese, tomato slices, and sauerkraut served hot on toasted rye and smothered in tangy Russian dressing (a mixture of mayo, ketchup, and a splash of Worcestershire sauce). It's super easy and so, so yummy!

Let's Laugh Day, March 19

Take a break and get laughing ! Enjoying a funny video, sharing goofy jokes, or just doing something silly for the heck of it will help you turn a frown upside down even on the gloomiest days. We've all heard that laughter is the best medicine... so give yourself a daily dose of humor and put on a smile one way or another! Here are some simple ways to put laughter back into your life on March 19th and on any other day.

National Sleep Awareness Week, March 14 – 20

How have you been sleeping lately? It can be hard to wind down these days, but getting a great night's sleep can work wonders on your mood, health, and overall well-being. Here are some great tips on how to make your nights more restful so you can wake up energized and ready to start your day.

National Green Week, Any week until the end of April

Use National Green Week to turn a new leaf and focus on making your household more sustainable. Pick any week between now and the end of Earth Month on April 30th to celebrate!

There are plenty of ways to go green at home. Start some seeds for a home garden or window box for fresh herbs. Make a compost bin to keep kitchen scraps out of landfills and feed growing plants. Commit to using reusable shopping bags – they're super easy to make! Or let this be the year you finally switch to energy-efficient light bulbs and cut your home energy use. We can all make a difference no matter how small to live more sustainably and help our planet!

We hope you're having a great end of winter and are looking forward to starting spring with a bang! If you have any questions, want to review your coverage for savings or gaps, or would like advice on making your home, auto, business, or recreational vehicle insurance work better for your family, call us at (843) 357-7493. We are always glad to help you get the vest value, coverage, and savings!

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