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E-Bike Insurance Liability: Why You Need Coverage Before You Ride E-bike insurance liability is one of the most overlooked risks for electric bike owners. As e-bikes become more common for commuting and recreation, many riders assume their homeowners insurance automatically protects them. Unfortunately, that’s not always the case. If you ride regularly, understanding how liability […]

Why Earthquake Insurance Matters With recent seismic activity near Summerville, earthquake insurance in South Carolina is becoming an important topic for homeowners who want to protect their property. While earthquake insurance in South Carolina isn’t always top of mind, recent activity around Summerville and the Charleston area shows why being prepared matters. Over the weekend […]

What Insurance Covers in 2026: Coastal South Carolina Home & Business Protection Guide As we move into what we hope is a smooth 2026 for the insurance world, we know that insurance coverage in coastal South Carolina is changing fast. Rising construction costs, stronger storms, increased flood exposure, and evolving carrier requirements mean homeowners and […]

Join us in Supporting Closet of Hope The holiday season is a time of joy, giving, and connection.  A moment where communities come together to lift others up. This year, Schirmer Insurance Group is honored once again to partner with Closet of Hope, a local organization dedicated to serving over 600 children in foster care […]

September is recognized as Life Insurance Awareness Month, a time dedicated to highlighting the importance of protecting your loved ones through proper financial planning. Whether you’re reviewing your current policy or considering life insurance for the first time, this month is the perfect opportunity to learn how coverage safeguards your family’s future 6 Reasons Life […]

Business Hurricane Preparedness South Carolina: Tips for Coastal Businesses If you’re a business owner in the lowcountry,  it’s crucial to be proactive when it comes to hurricane preparedness. With the Atlantic hurricane season running from June 1 through November 30, preparing your operations, insurance, and staff in advance could save you thousands in recovery costs. […]

Summer is a season full of adventure, sunshine, and quality time. But with all that fun comes responsibility, especially when you’re trying to keep your loved ones safe. These summer safety tips for families will help you navigate everything from poolside play to holiday fireworks, road trips, and cookouts. Whether you’re cruising in an RV, […]

Hurricane Season 2025: Are You Prepared? Hurricane season is almost upon us once again. Beginning June 1 and lasting through November 30, the 2025 season is forecasted to be above average. According to forecasters, including those at Colorado State University, we can expect four major hurricanes that could reach Category 3 strength or higher.  Because […]

Spring Cleaning Your Insurance Policies: A Fresh Start to a Secure Year Spring brings the perfect opportunity to refresh and reorganize, not just your home, but your insurance policies too! While we often associate spring cleaning with decluttering, it’s also an ideal time to review and update your coverage to ensure you’re properly protected. Why […]

National Preparedness Month, falls right in the middle of Hurricane Season. It serves as a crucial reminder of the importance of being prepared for any type of emergency or natural disaster. Whether it’s a natural disaster like a hurricane, flood, or wildfire, or a man-made crisis such as a cyber attack, having the right plan […]