Address: 136 S Main St, Summerville, SC 29483, USA
Phone: +18438752300
Sunday: Closed
Monday: 9AM–5PM
Tuesday: 9AM–5PM
Wednesday: 9AM–5PM
Thursday: 9AM–5PM
Friday: 9AM–2PM
Saturday: Closed
Anthony Torchiano
Outstanding customer service …. Being from out of state, Jennifer walked us through the entire process painlessly …. Provided guidance and a new arrival reference guide that was invaluable and prepared us for the DMV adventure that awaited us….LOL Thanks again Jenn for making the transition just so simple
Marybeth Wishart
My husband and I were very pleased with the service we received from Jenny Bush and CT Lowndes and Co. Jenny patiently answered all our questions and was able to save us quite a bit of money. We are so happy to have found them.
P M
Can't say enough about Jenny Bush. Fantastic service, on top of every detail. Moved to South Carolina and she even helped with DMV info, all the documents needed, etc. Good pricing for service that is really worth 10 stars. Revised 8/25/2022: Things have gone downhill here. We were in the process of moving my husband down here to SC and I was already here in a house with my car registered here. We were told they could write the auto policy to cover both cars even tho the one was registered in Illinois since my husband was spending half of his time in SC. Well, his registration in Illinois was suspended for not having insurance and he was unaware that he needed to tell them he had insurance. Previously we did not have any issues with this so not sure if that is automatically done by insurance carriers in the state where they are. No matter. When we contacted CT Lowndes we were given a bunch of excuses by Jenny and Kimberly and had to go get separate insurance in Illinois for the one car. Just a lot of misinformation, poor communication and no timely response. And this after I have sent friends here for insurance.....
Bill M
Being new to the Summerville and to South Carolina I was on a mission to secure auto insurance on our vehicles. Based on a simple internet search I called several companies to request quotes and one of the companies was C T Lowndes. There, I came in contact with Jenny Bush. I’m happy I did as Jenny was outstanding at providing me with all the information needed to make an informed decision. I was impressed with the professionalism, knowledge, and quick response I was given, even supplying appropriate follow up information after I purchased our policy. Jenny even provided me with a guide to S.C. DMV and all the appropriate DMV forms required to navigate the process. When my home owner’s insurance comes time to renew, I’ll be calling Jenny and C T Lowndes….
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Yes, there are many insurance companies writing insurance on homes located on the local beaches and in other coastal areas. We can insure primary residences, secondary residences, and rental homes and provide quotes with several companies to make sure you are getting the best premium. We certainly include the wind insurance on our quotes. Our agency does write flood insurance through the National Flood Insurance Program and can answer your questions about this very complex Federal insurance program.
Yes. A fire can occur in any dwelling, apartment, or condominium. Other losses can occur as well. Without a renters (HO-4) policy, you would be in the position of losing all your possessions and having no financial help to replace your lost items. In addition, everyone needs to have the liability insurance afforded by a renters policy.
In most cases, yes. This is called escrowing. You would need to discuss this with your mortgage company.
This is a tough question as the answer depends on where the water came from. If the water is from rising water like a hurricane or storm surge or heavy rain water accumulating, the answer is no. You would need a flood policy in order to have coverage. The key here is the term “rising”. You must have the separate flood policy to have coverage for “rising water”. If your roof is damaged by wind and rainwater comes in via the opening caused by the wind, yes, you do have coverage under your homeowners/renters policy (assuming the policy includes wind insurance).
On auto policies, the answer is yes in most cases. On other type policies, the answer varies considerably. Insurance companies take different approaches to claims on homeowners policy, for instance. One claim with some companies does not affect your premium. With other companies, your premium may increase. Act of God type claims (lightning, wind, etc.) are looked at differently than negligence type claims or claims resulting from a lack of “pride of ownership”. It is always best to ask your agent about your insurance company.
Most insurance companies cease binding insurance when a tropical storm/hurricane watch or warning is issued for your area. However, if the storm is a big one, the companies may stop issuing new policies much sooner, even several days earlier.
First, you should understand that there is no “grace period”. If your policy expires on May 1, for example, and you have not paid the premium, you have no coverage as of 12:01 AM on May 1. That is one minute after midnight! If you have an accident at 7:15AM on May 1 while driving to work, you are not insured and would be in violation of state law, as SC law requires all vehicles to be insured while being operated on a public road. If you let your policy lapse, your insurance company will notify the SC Department of Motor Vehicles and you will be fined $5 for each day you have no insurance (unless you turn in your license tags).
No, you should be able to call them for just a quote.
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