Spring Storm Season in South Carolina: Insurance Checklist for Your Home & Car

Spring in South Carolina often brings changing weather patterns, including heavy rain, strong winds and occasional severe storms. These conditions can affect both homes and vehicles in different ways. Taking time to review insurance-related considerations before storm season begins can help homeowners and drivers stay informed about how their coverage is structured.

Home Insurance Considerations to Review

As spring storms approach, it may be helpful to revisit certain aspects of a home insurance policy. One area to review is dwelling coverage, which generally covers the home’s structure.

Homeowners may also want to review other structures coverage if they have sheds, fences or detached garages on their property. Additionally, checking deductibles, especially those that apply specifically to wind or storm events, can help avoid surprises if a claim is filed.

Keeping an updated home inventory can also be useful. Documenting belongings in advance may help support a claim if personal property is damaged during a covered event.

Auto Insurance Considerations to Review

Spring storms can also affect driving conditions. Heavy rain, reduced visibility and flooded roadways may contribute to accidents or vehicle damage. Reviewing auto insurance coverage in advance can help drivers understand how their policy may respond.

For example, comprehensive coverage may apply to certain types of non-collision damage, such as hail or falling objects, while collision coverage typically covers accidents involving another vehicle or object. Understanding these distinctions can help clarify what situations may be covered.

Drivers may also want to confirm that policy information is up to date, including vehicle usage and garaging location.

Staying Informed Before Storm Season

Spring storm season can be unpredictable, and coverage needs may change over time as homes, vehicles or circumstances evolve. Periodic insurance reviews can help homeowners and drivers better understand how their policies align with current conditions.

If you’d like to review your home and auto insurance coverage ahead of spring storm season, contact our office today to discuss your policies and ask questions about your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.