There are several ways to cut down the expense of insuring your vacation home in Myrtle Beach. Here are some great tips from our local  insurance agent, Scott Todd of Todd Insurance Agency, Inc.

1. Get a longterm customer discount – If you’ve had homeowner’s insurance with the same company for years, think twice before moving to a new carrier. You may be getting discounts for having that policy for a long time. Do the math and see if moving to a new company will save you money. (Many companies grant the same discount if you’ve been with a prior company for a long time)

2. Combine your vehicle, boat or motorcycle, and homeowners insurance policies and keep them with the same company. This is one of the biggest discounts you can have.

3. Try to purchase your home nearby to a “paid” or city fire station. Volunteer fire stations will help, but your best discount is being near a city organization. Try to make sure you have a fire hydrant within a mile of the house for even more of a discount.

4. Add a security system to your home. Make sure you keep well-maintained fire extinguishers, smoke alarms, carbon dioxide detectors, even an alarm for radon gas. Don’t forget to notify the agent when you’ve done this. Neighborhood Watch communities can help, too.

5. Don’t own a typically vicious dog or dangerous animal. Any type of dog like a doberman, rottweiler, or pit bull can increase your homeowner’s liability insurance. Resist the impulse to get that new “wild” cross-bred cat, too.

6. Keep pools, hottubs, or trampolines behind a locked fence, and maintain guard rails on any outside stairs. Many times these fall under city ordinances as well.

7. When figuring your appraised value, deduct the amount that would cover land only. You want to insure only the home or structure, not the rocks and grass!

8. If purchasing, choose a newer home. Most insurance companies charge more for older homes due to repair rates.

9. Stick to a well-known national insurance company and choose a higher deductible. You may find a lower rate with a fly-by-night company, but if you have to make a claim, they may have flown!

10. Keep a high credit score, or choose one of the insurance companies that don’t count your credit rating in your premium charges. If you’ve got excellent credit, find a company that rewards it. Taking the time to do a little homework can help your insurance expenses whether it comes to SC homeowners insurance or cheap car insurance in Myrtle Beach.

Also, if you’re in another state and have your car insurance with a company, you can insure your condo in Myrtle Beach with the same company and get the same multi-policy discount. Todd Insurance Agency, Inc is fully licensed for any city in the states of North and South Carolina. Todd Insurance can protect your car, home, motorcycle, boat, provide renters insurance, and much more..

Contact them for details!

Todd Insurance Agency, Inc.
1515 Hwy 17 South
North Myrtle Beach, SC 29582
(888) 288-8713 (Toll Free)

www.carolinapolicies.com

October is a busy month for events on the Grand Strand! Oktoberfest, Taste of the Town, and Halloween will give you plenty to do this month.

Oktoberfest
Germany’s Oktoberfest, started in 1810, is known as the largest public fair and has become so popular that Oktoberfest celebrations are held around the world. There are many different places around Myrtle Beach hotels to enjoy the festivities. Market Common will be holding its festival on October 3rd with German food, beer and wine, and children’s activities. The City of Myrtle Beach will also be celebrating Oktoberfest on October 3rd along downtown Ocean Boulevard, with food vendors, a biergarten, a bratwurst eating contest, an alcohol-free kids zone with inflatables, and live music featuring Edwin McCain. The town of Surfside Beach will also be holding a Family Festival on the same day with food booths, live entertainment, and children’s events. Broadway at the Beach celebrates Oktoberfest and its Fall Festival October 9th-11th with a German-inspired menu at Liberty Steakhouse, musical and dance performances, and pumpkin painting and fireworks on Saturday.

Taste of the Town
Taste of the Town is the talk of the town! This event, now in its 25th year, is the Grand Strand’s biggest culinary and social event. Over fifty of the finest restaurants in Myrtle Beach will offer samples of their delicious dishes and desserts. Don’t miss out on this chance to mingle and try some of the best food around. Taste of the Town 2009 takes place October 27th from 4PM to 10PM at the Myrtle Beach Convention Center.

Halloween
There are Halloween events for both kids and adults in Myrtle Beach this year. Head over to Broadway at the Beach for trick-or-treating, Booville at Pavilion Nostalgia Park, and a Halloween costume party and contest for adults. There will also be Halloween trick-or-treating at the shops at Market Common.

Have fun on your Myrtle Beach vacation with these great events! You can view the entire calendar of events on our Myrtle Beach Condos website.