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Are "free roof" offers too good to be true? Mark Price of VP Insurance Services reveals the risks of roofing scams in South Carolina and how they impact your home equity.

North Carolina motorcycle insurance liability rates are dropping by an average of 16.3% starting Oct 1, 2025. Learn why this is happening and how it contrasts with auto insurance increases.

May is a big month here in South Carolina. The sun is out, the azaleas are in full bloom, and the roar of engines is echoing down the Grand Strand. At VP Insurance Services, we love this time of year, but we also know it’s the busiest, and sometimes the most dangerous, season for our friends on two wheels. As your local insurance experts, we want to make sure you’re enjoying the ride while staying protected. Whether you’re heading to the Myrtle Beach rallies or just cruising the backroads of the Upstate, there are a few things you need to know regarding safety alerts, legal updates, and how your coverage stands up to the unexpected.

SC Home Insurance & Storm Coverage:

SC Hands-Free Law Mistakes:

SC Windshield Law Update:

South Carolina is famous for its "free windshield" law, but things are about to change. Here’s the breakdown of House Bill 4817 (The Insurance Rate Reduction and Policyholder Protection Act): The "Good News" First: The automatic zero-deductible (free) windshield replacement is staying exactly as it is through December 31, 2026. The 2027 Shift: Starting January 1, 2027, this benefit won’t be automatic. You’ll need to "opt-in" to it, likely for a small extra premium. The Safety Net: A Senate amendment caps windshield deductibles at $100, so even if you don't opt-in, you won't be hit with a massive out-of-pocket bill. The Goal: This shift aims to reduce insurance fraud and help lower overall auto insurance premiums across the state.  At VP Insurance Services, we’re already tracking these changes for you. We’ll make sure your coverage stays exactly where it needs to be when the new rules take effect.