When insuring your home you want to make sure you have enough to rebuild your home if it is completely destroyed. An experienced agent can help make sure your home is adequately covered. Replacement Cost Coverage is by far the best coverage. Under Replacement Cost Coverage, the insurance company will replace your home up to a maximum dollar amount. Unfortunately, there are limitations to homeowners insurance policies. These include earthquake and flood along with certain other perils. You can get additional coverage for these perils. Other limitations usually include jewelry, art, certain collectibles. Computers may need extra coverage. These are commonly insured under a "floater" on your homeowners insurance policy. Other options available include renewal guarantee, claim waivers, and claim free bonuses coverage. Don't wait until you have a claim to find out what coverage you have. We have the experience to guide you and customize an insurance plan that is right for your home. Buying a home insurance policy from HB Springs Insurance Co. in Myrtle Beach can help keep your investment protected.