Home Insurance

Protect your biggest investment: your home

Home Insurance – Charleston, Mt. Pleasant and beyond

The team at Ridpath Insurance is here to help you protect your home and possessions with the right homeowners insurance policy.

Your home is where you and your family spend much of your life. It’s filled with not only your valuable possessions but also your priceless memories. Protect your biggest asset with the right homeowners insurance policy. At Ridpath Insurance, we help individuals and families in the Charleston County, SC and beyond have peace of mind when it comes to knowing that their home is covered. We help you with a policy that matches your home, possessions, needs, and budget.

The right homeowners insurance policy can include several different types of coverage that our team can help you consider:

Dwelling Coverage

Dwelling coverage helps costs from damage to the structure of your home such as the ceilings, floors, walls, and built-in appliances, as well as any attached structures. It typically covers your home from fire, theft, severe weather such as hail, and more.

Contents Coverage

Contents coverage protects the possessions in your home, including furniture and clothing. In the event of a covered incident, you would receive funds for the value of these items, as outlined in your policy. Some accidents are instead covered by personal liability.

Personal Liability

Personal liability includes bodily injury damage coverage and property damage coverage. Bodily injury covers costs if a guest is injured in your house or on your property. Property damage is for when your property is damaged as a result of a covered accident.

These options do not cover everything, so you may want to consider adding on several other optional types of insurance:

  • Flood insurance

  • Other structures insurance

  • Water backup of sewer

  • Personal umbrella insurance

  • Medical payments coverage

Our knowledgeable agents can discuss these and other different coverages with you and help you customize your policy to best protect your investments.

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