Insurance Policies & Services from Carrie Johnson Insurance.

Carrie Johnson Insurance

Carrie Johnson Insurance has a team of independent insurance agents that have been providing affordable insurance to the residents of Litchfield Beach for over 12 years. Carrie Johnson and her team offers an assortment of different insurance options and coverage plans to ensure customers and their families are fully and adequately covered. 

We offer a wide range of insurance policies, including:

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

Your home is one of the most expensive investments you will make in your lifetime. Home values vary and we are very aware that a protection plan for one individual will not necessarily fit the insurance requirements of someone else. When we provide you with a home insurance quote it will be tailored to meet your specific needs.

Homeowners insurance in Litchfield Beach has never been more reasonable than when you receive a quote from the independent insurance agents at Carrie Johnson Insurance. Each home insurance quote delivered by our experienced agents will provide appropriate coverage for any property damage, your liability or legal responsibility for injuries or property damage caused by you, one of your family members, or even a household pet.



When selecting homeowner's insurance there are many factors that you may not consider. Many people are unaware that floods and earthquakes are not covered under typical home insurance policies. Earthquake and flood coverage falls under a different insurance policy. The expert agents at Carrie Johnson Insurance will work with you to ensure you are fully covered and will help you find that coverage at a price you can afford. When selecting multiple coverage’s you may qualify for a discount. Our multiple policy discounts are the best around, so be sure to ask us how you can qualify.

For the homeowners of Litchfield Beach, SC we strive to make the research and purchase of homeowners insurance as easy, hassle-free, and inexpensive as possible. Are you unsure if your home insurance provides adequate coverage? Ask yourself these questions:

1. What happens if your house is lost due to a natural disaster or damaged by a fire? Will you need to borrow money to repair or replace it?
2. If a guest in your house receives an injury due to an accident, do you have the funds required to cover their medical costs? 
3. Have you experienced a break-in or has your home ever been vandalized? Homeowners insurance will protect you against theft and vandalism and will reimburse you for any losses.
4. Do you still have a mortgage? Lenders require proof of home insurance.
5. If you would like a home insurance quote, please click the following link to receive quick, accurate, and affordable home insurance rates.
   

In the event of a car accident, auto insurance works to protect you against financial loss. Automobile Insurance is an agreement between you and your Litchfield Beach insurance company. You pay the monthly premium and the insurance company agrees to pay for losses as defined within your automobile policy.



Most auto insurance policies provide liability, property, and medical coverage. Any damage or theft to your car is protected through property coverage. Liability coverage pays for your legal obligation to those injured or that have sustained property damage. Medical coverage pays for the expense of treating injuries, rehabilitation, and in worst-case scenarios, funeral expenses.

Most states will require some type of auto coverage. In addition to this, your vehicle lender may have a minimum insurance requirement, if you’re financing a car. There are 6 different categories of automobile insurance that you can select from depending on your needs.

The goal of auto insurance is to help ensure that you are financially secure in the event of a qualifying event. If you are in an accident that totals your car or your vehicle is stolen, most people do not have the financial ability to purchase a replacement vehicle right away. If you are found to be at fault in an accident that results in either damage or injury, you could be financially responsible for any expenses, such as vehicle replacement or bodily injury claims. If you are properly insured, your insurance company takes on these expenses rather than you being directly responsible.

The agents at Carrie Johnson Insurance work diligently to match you with a policy that provides the coverage needed that also fits within your monthly budget. We have many discounts available for car insurance including good driver discounts, student discounts, and multiple policy discounts.

As a business owner in Litchfield Beach, it is important to confirm that your commercial insurance coverage is sufficient for both vehicles and property. We offer affordable workers compensation coverage, commercial auto insurance, and general liability at Carrie Johnson Insurance.

Commercial auto insurance requirements are very similar to personal auto insurance. Coverage options can range from liability to comprehensive and collision coverage to uninsured motorists. In some instances, companies may allow their employees to use the same vehicle for both personal and business reasons. If this situation applies to you as a business owner, please be sure to speak with your commercial insurance agent in Litchfield Beach about this matter so that it can be addressed in your company auto insurance policy. You will want to avoid confusion in the event that an insurance claim is filed so that it doesn’t go against you personally.

There are many factors to take into consideration when purchasing a business auto insurance policy. A good insurance agent should ask you many questions to get to the specifics about how you use automobiles in your business. These questions will vary from the type of driving conducted to the people driving the vehicles and if your employees will be responsible for driving their own automobiles for your business. The professional commercial insurance agents with Carrie Johnson Insurance will ensure you have adequate coverage for your business and make sure you are protected in the event that a company vehicle is involved in an accident.

General Liability is essential for every business. In the event your business is ever involved in a lawsuit or held legally responsible for some type of damage or injury, general liability will provide financial protection against these expenses that could potentially bankrupt your business. General Liability Protection has a broad range of options:

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

Workers Compensation Insurance provides assistance to businesses to pay benefits to employees that have been injured while working on the job and manages the employer’s financial risks. Give one of our agents a call at Carrie Johnson Insurance if you have any questions regarding your workers' compensation coverage, or need workers' compensation insurance.