Insurance Policies & Services from Carrie Johnson Insurance.

Carrie Johnson Insurance

Carrie Johnson and her team of independent insurance agents have been serving the residents of Myrtle Beach for over 12 years. Carrie Johnson Insurance offers a variety of different insurance options and plans to ensure that you and your family are covered. 

We offer a variety of insurance policies, including but not limited to:

• Homeowners Insurance
• Automobile Insurance
• Business & Commercial Insurance
• Flood Insurance
• Life Insurance

Your home is one of your largest, and most important, investments. We know that not everyone’s needs are the same so the insurance protection that you buy for your home will be specific to your needs. Homeowners insurance in Myrtle Beach has never been more affordable than when you work with the independent insurance agents at Carrie Johnson Insurance. Our agents will ensure the home insurance quote provided will adequately cover any unexpected damage to your property, your liability or legal responsibility for injuries and property damage you or family members have caused to others, including anything caused by household pets.

There are many factors to consider when considering homeowners insurance. While earthquakes are not common in Myrtle Beach, it is one of the exceptions in home insurance coverage. Earthquake and flood coverage fall under a different insurance policy. Ask us about our multiple policy discounts!

Our mission is to make buying homeowners insurance as easy, worry-free and inexpensive as possible to the residents of Myrtle Beach. If you’re not sure if your home insurance has the right coverage for you, ask yourself the following questions:

1. If your home was destroyed by a fire or suffered damaged due to a natural disaster, would you need money to repair it, or worse, replace it?
2. If a guest in your home had an accident resulting in an injury, do you have the funds necessary to cover their medical expenses out of pocket or would you need liability protection and medical coverage to help you pay for their medical care?
3. Has your home ever been broken into or vandalized? Homeowners insurance protects against theft and vandalism and can help reimburse you for your losses.
4. Are you still paying for your home? If so, your lender will require proof of home insurance.

If you would like a home insurance quote, click the following link to receive quick, accurate and affordable home insurance rates or call one of our independent insurance agents at 843-357-9404.

Auto Insurance works to protect you against financial loss if you’ve bene involved in an accident. Automobile Insurance is a contract between you and your Myrtle Beach insurance company. You agree to pay the premium and the insurance company agrees to pay whatever losses are defined in your automobile policy.

Most auto insurance policies provide property, liability, and medical coverage. Property coverage will pay for any damage to or theft of your car. Liability coverage pays for your legal responsibility to others for injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation, and in worst cases, funeral expenses.

Most states, including South Carolina, will require some auto coverage but not all. If you’re financing a car, your lender may have minimum insurance requirements. There are 6 different types of automobile insurance that you can choose depending on which best fits your needs.

The purpose of auto insurance is to secure you financially. The average consumer doesn’t have enough money at hand to buy a new car if theirs is stolen or totaled in an accident. If you are involved in, or at fault, for an accident that may have caused damage or injury to another driver, you could be held accountable for any expenses.

Carrie Johnson Insurance has many discounts available for car insurance, including student discounts, good driver discounts, and multiple policy discounts.

As a business owner in Myrtle Beach, having commercial insurance is crucial for both vehicles and property. At Carrie Johnson Insurance we offer commercial auto insurance, general liability and workers compensation coverage.

Commercial auto insurance needs are relatively the same as you need for your personal travels. Coverage needs range from liability to collision to uninsured motorists. In some instances, business people may use the same vehicle for both business and pleasure. If this is the case, be sure to ask your commercial insurance agent the best way to manage this scenario in your company auto insurance policy to avoid confusion when an insurance claim is filed so it doesn’t go against you personally.

The purchase of a business auto insurance policy has many factors to take into consideration. A good insurance agent will ask you many details about how you use vehicles in your business. Questions should range from the type of driving to who will be driving the vehicles and whether employees will be driving their own automobiles for your business.

Every business needs General Liability.  General Liability will provide financial protection in case your business is ever involved in a lawsuit or held legally responsible for some type of damage or injury. There is a broad range of General Liability Protection which includes:

1. Bodily Injury including restitution for any injury that resulted in a death
2. Property Damage
3. Products-Completed Operations
4. Product Liability
5. Contractual Liability
6. Many other coverages, such as Reasonable Use of Force, Borrowed Equipment, Liquor Liability, etc.
   
   

Workers Compensation Insurance helps companies pay benefits to employees who have been injured while working and controls the employer’s financial risks. If you have any questions regarding your workers compensation coverage, or need workers compensation insurance, give our agents at Carrie Johnson Insurance a call today and we’ll be happy to answer any of your questions.