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Russell Massey
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Difference Between Manufactured and Modular Homes

Manufactured homes are similar to mobile homes, but are built to higher required federal safety standards. They are built in 10 feet to 12 feet sections like mobile homes, and assembled at the location. That location can be a permanent or temporary one. A manufactured home typically does not have a permanent concrete foundation under it.

Call us today at (803) 779-7854 about your South Carolina manufactured home insurance needs.
Visit our website at http://www.russellmassey.com to learn more about homeowner insurance.

A modular home has a permanent concrete foundation. It's manufactured at a factory in sections and assembled at its permanent location. This type of construction offers many of the same traditional house features at a lower per square foot cost to build. Home buyers can customize a modular home before it's built and assembled.

Stop by for a conversation about your South Carolina homeowner's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best homeowner insurance premium pricing.

The Newlywed Insurance Checklist

Auto insurance

Add your wife or husband to your auto insurance policy, or the other way around. The amount being paid for the coverage shouldn't change unless the new addition does not have a good driving record. If the two of you were using different insurance companies, find the best price for your new situation.

Renter or Homeowner Insurance

There are no discounts for renter of homeowner insurance for being married, so your rates won't change unless you're moving to a new place to start your married life. Make certain to evaluate your new total property insurance needs.

Call us today at (803) 779-7854 about your South Carolina insurance needs.

Health Insurance

Compare the health insurance coverage and rates you both receive and choose what makes the most sense. Maybe he adds you to his policy or the other way around. Take into account future needs, such as maternity coverage.

Life Insurance

Too often overlooked is life insurance for the younger couple. Having life insurance coverage is a good idea if you own a house, no matter how young you may be.

Stop by for a conversation about your South Carolina insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best insurance premium pricing.

Type of Fire Extinguisher to Purchase for Your Home

It's important to purchase the correct type of fire extinguisher to fit your needs. For the homeowner, an extinguisher type that covers Class A, B, and C extinguishers is a good choice. The ABC extinguisher is that all purpose choice. If you do a lot of cooking in the kitchen, you may need a class K fire extinguisher to protect against those grease or oil fire flare ups.

Below are types of extinguishers and the types of fire they help with:

Class A – cloth, wood, and paper
Class B – flammable liquids such as propane, flammable gas, and gasoline
Class C – electrical equipment, vehicles, and appliances
Class ABC - all purpose to handle the types of fires listed above
Class D – combustible metal fires. Used more in business and industrial settings.
Class K – grease and oil fires. Restaurant kitchen is typical user.

Call us today at (803) 779-7854 about your South Carolina home insurance needs.
Visit our website at http://www.russellmassey.com

You should have a fire extinguisher on every floor of your home and one located for quick use where most fires take place, the kitchen. But you must be able to easily reach the fire extinguisher when needed and there is always the possibility that the fire blocks you from it, so keep one near your garage or washer / dryer area.

Make certain that everyone in your home knows how to use a fire extinguisher. Tips for use are below:

1. Pull the pin
2. Aim the nozzle at the base of the fire
3. Squeeze the lever
4. Use a sweeping motion with the hose

The fire extinguisher is the homeowners second line of defense after the smoke detector alarm. These two safety measures can reduce the damage to your home and maybe eliminate the need to contact the fire department.

Stop by for a conversation about your South Carolina homeowner's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best homeowner's insurance premium pricing.

A Vacant Home Requires Insurance

Consult your insurance agent about when your home insurance coverage stops if your home is vacant. It can be as little as 30 days. Maybe an illness or a long trip takes you away from your home for a long time. Your coverage can stop for vandalism after only 30 days in many home insurance policies and other coverage can stop after 90 days.

Don't find out when making that claim for the storm damage to your parents house that hasn't been lived in for 6 months that the claim won't be honored.

Call us today at (803) 779-7854 about your South Carolina home insurance needs.
Visit our website at http://www.russellmassey.com

Contacting and using an independent insurance agent provides you with a great deal of expertise, knowledge, and confidence. An independent insurance agent knows that insurance polices are not one-size-fits-all, and will make sure you receive the insurance protection designed for your individual or family needs.

Stop by for a conversation about your South Carolina homeowner's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best homeowner's insurance premium pricing.

Protect That Special Day

Protect your wedding with a wedding insurance policy. Considering that the average wedding now costs nearly $30,000, a $350 to $450 insurance policy makes sense and offers a lot of protection.

Call us today at (803) 779-7854 about your South Carolina insurance needs.
Visit our website at http://www.russellmassey.com

With the right insurance coverage purchased before that special day, you could file a claim for damages if your wedding photographer is a no-show, or worse, the cake takes a nose dive in transit. A loss of deposits insurance rider will reimburse you for any nonrefundable deposits you've paid to a wedding vendor who doesn't deliver what was promised.

Not all circumstances can be covered by a wedding insurance policy. Cold feet is the big one.

Stop by for a conversation about your South Carolina insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best insurance premium pricing.

Reduce Your Teens Auto Insurance Rates
Buy a Safe and Less Expensive Car

We know the statistics on teenage driving and accidents. One way to offer the utmost protection for your teen driver is to choose a car with a good safety rating. At the same time, help your self out by choosing to purchase or lease a car with the highest safety ratings and priced under $25,000. That list is below.

1. Honda Civic 4-door
2. Mazda 3
3. Toyota Prius
4. Honda Accord
5. Mazda 6
6. Ford Fusion
7. Mitsubishi Outlander
8. Nissan Rogue
9. Subaru Outback
10.Subaru Forester

Maybe not much horsepower in that list, but speed kills and safety rules.

Call us today at (803) 779-7854 about your South Carolina auto insurance needs.
Visit our website at http://www.russellmassey.com

Stop by for a conversation about your South Carolina auto insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best auto insurance premium pricing.

Insuring Your College Student

A recent report from the U.S. Department of Education suggests there were over 10,000 burglaries a year in student housing buildings at colleges in the United States. Is your college student child covered for all theft possibilities?

While your homeowners insurance policy covers personal possessions your student takes with them to college, it probably doesn't cover all of their possessions. You should review your policy to insure that you're not exceeding any limitations for property located away from your home.

Computers, laptops, cell phones, and other expensive electronics may require a supplemental policy to provide adequate insurance coverage.

Call us today at (803) 779-7854 about your South Carolina home insurance needs.
Visit our website at http://www.russellmassey.com

Depending on your homeowners insurance deductible, it may be more cost effective to also purchase a renters insurance policy for your college student. It offers a lower deductible and an annual premium of under $200. A renters insurance policy may also be the best option if your college student is living off campus. Your homeowners insurance will not cover their possessions against theft or damage when not living in approved college housing. And that's even if they are living with another relative.

Stop by for a conversation about your South Carolina homeowner's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best homeowner's insurance premium pricing.

What Your Renter's Insurance Does Not Cover

A renter's insurance policy typically costs $12 - $15 per month. When deciding on coverage, choose a replacement cost policy, which reimburses you for what it costs today to replace a damaged item, as opposed to a cash value coverage policy, which only covers the item's current worth. It will cost a little more, but is worth it.

If you're living with a family member, their property will be covered as long as their name is on the renter's insurance policy. However, a roommate not related to you must purchase their own renter's insurance policy.

Call us today at (803) 779-7854 about your South Carolina renter insurance needs.
Visit our website at http://www.russellmassey.com

A renter's insurance policy does not cover natural disasters, so a separate policy will be needed if you live in a flood prone area for instance.

Liability coverage is not usually in a renter's insurance policy, so if you throw parties and have concerns about someone getting injured, add that coverage.

Document everything of value to assure coverage in the event of a claim.

1. receipts for all large purchases
2. list of model and serial numbers for your electronics
3. Store documents in a fireproof safe or make copies that can be saved externally
4. Take photos and store externally, such as in an app, smartphone, or on the cloud

Stop by for a conversation about your South Carolina renter's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best renter's insurance premium pricing.

Inform Your Insurance Agent of Life Changes

Your insurance, whether it consists of auto, home, boat, renter, motorcycle, RV, life, or business, is there to protect your property, yourself, or your family. The policy can only fully protect if it covers any changes in your life.

Have you added another driver? Your insurance agent will probably not know about that unless you inform them. The same goes for a change in your employment. If you're driving a lot farther to that new job or maybe telecommuting, your insurance agent needs that information to adjust your auto insurance coverage limits.

Added a new child to your family? Time to add to your life insurance policy.

Added a swimming pool or a dog? Made a renovation inside your house? Time to adjust your homeowner insurance policy to adequately cover these new changes and dangers.

Call us today at (803) 779-7854 about your South Carolina home insurance needs.
Visit our website at http://www.russellmassey.com

Stop by for a conversation about your South Carolina insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer affordable insurance premium pricing.

Insuring Your Self Storage Property

Not enough space in the garage? Need to store some furniture for a few months between school semesters? The self-storage or mini-warehouse industry has grown by more than 7 times in the last 30 years and now offers nearly 50,000 facilities in the U.S.

Don't be confused whether your belongings are insured in storage. The storage facility does not insure your property. They insure their buildings. Your South Carolina homeowner insurance may cover up to 10% of your personal property limit for your property stored in a storage unit.

Call us today at (803) 779-7854 about your South Carolina home insurance needs.
Visit our website at http://www.russellmassey.com

For instance, if you have $150,000 of homeowner personal property coverage, you will have $15,000 worth of coverage for the things housed in the storage unit.

If you don't have homeowner insurance, then storage only insurance is available. Make certain what type of coverage you're purchasing for storage insurance. Will it replace your property at an amount sufficient to purchase new or will it like most storage policies, reimburse only at a cash value rate at the time of loss.

A storage insurance policy will usually cover lightning, fire, burglary, wind, tornado, hurricane, smoke, hail, explosion, and plumbing leaks.

Stop by for a conversation about your South Carolina homeowner's insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies in order to offer the best homeowner's insurance premium pricing.
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