Frequently Asked Questions

Collision coverage pays for repairs to your vehicle if you hit another car or object, regardless of fault.

Yes—Edward Lehmann Agency includes optional roadside assistance covering towing, jump starts, and flat tire changes.

Auto insurance rates in Irmo, SC depend on your vehicle, driving record, and coverage limits. We offer custom quotes to help you find the best value for your needs.

Contact Edward Lehmann Agency by phone or online to compare policy options, discuss discounts, and receive your auto insurance quote in minutes.

Yes, South Carolina state law requires drivers in Irmo and other communities to carry minimum liability auto insurance.

Liability insurance only covers damage or injury you cause to others. Full coverage combines liability, collision, and comprehensive to cover a wider range of risks to your own vehicle.

First, ensure everyone is safe and call emergency services if needed. Then, contact Edward Lehmann Agency as soon as possible so we can help you file a claim and guide you through the process.

Yes—coverage includes theft and vandalism while docked or stored ashore.

Boat insurance costs in Irmo, SC depend on your vessel type, coverage limits, and boating history. Contact Edward Lehmann Agency for a personalized quote tailored to your needs and local waterways.

You can get watercraft insurance in Irmo by contacting Edward Lehmann Agency. Our local agents guide you through the process, review your boat details, and recommend the right protection quickly.

While not legally required for every vessel, boat insurance is highly recommended in South Carolina to protect your investment, meet marina requirements, and cover potential liabilities.

Boat insurance provides specialized protection for your vessel including hull, liability, and medical payments. Homeowners insurance offers only limited coverage for small watercraft or may exclude most claims on larger boats.

If you have an accident on Lake Murray, your Irmo boat insurance can help cover repairs, injuries, and liability. Contact Edward Lehmann Agency immediately to start your claims process.

Yes, our policies cover a range of watercraft—from jet skis to sailboats. Speak with an Irmo agent at Edward Lehmann Agency to customize your policy for all your vessels.

Absolutely. Your coverage extends across Irmo and surrounding communities, including Columbia, Chapin, and Lake Murray. We ensure local and regional protection for your boat.

Coverage should begin on the ground-breaking date or when materials first arrive onsite and continue until the structure is ready for occupancy.

The cost of builders risk insurance in Irmo depends on project size, location, materials, and construction timeline. Contact Edward Lehmann Agency for a personalized quote tailored to your Irmo or Lexington project.

If you’re renovating or building a home in Irmo or South Carolina, builders risk coverage protects your investment from loss events until the project is complete.

Builders Risk Insurance covers buildings during construction or renovation, while Commercial Property Insurance protects finished structures. For full protection, many Irmo contractors need both.

Yes, most builders risk policies can include protection against theft of tools and equipment at Irmo-area construction sites. Talk to Edward Lehmann Agency about customizing your policy.

Call or visit Edward Lehmann Agency in Irmo, SC. Our experienced agents will review your project details and provide coverage options that meet your needs and local regulations.

Often, yes. Many banks and lenders in Irmo require builders risk insurance as a condition for construction loans or project funding.

Most policies can be extended to protect materials kept off-site, such as in warehouses in Lexington or Chapin. Be sure to discuss your storage locations with our agency.

You and Edward Lehmann Agency agree on your car’s value up front, ensuring full payment in a total loss.

Classic car insurance rates in Irmo, SC depend on the vehicle’s value, storage, mileage, and driver profile. Local expertise from Edward Lehmann Agency ensures you get a competitive quote and the right balance of coverage for your classic or collector car.

Contact Edward Lehmann Agency—our team specializes in classic car coverage for Irmo collectors. We’ll review your vehicle, discuss agreed-value options, and build a custom policy tailored to your exact needs in Irmo and surrounding areas.

While classic car insurance isn’t legally required in South Carolina, it’s highly recommended. Standard auto policies may not cover the agreed value or unique needs of collector vehicles. Specialized coverage safeguards your investment across Irmo, Columbia, Lexington, and nearby towns.

Classic car insurance generally covers limited, pleasure, or exhibition use in Irmo, SC. If you plan to drive your collector car daily, let Edward Lehmann Agency know—other options may better suit your needs.

Classic car insurance uses agreed-value coverage to protect collectible vehicles, while regular auto insurance typically compensates based on actual cash value. Collector insurance offers lower premiums for limited mileage and includes unique protections for restoration and spare parts. Ask Edward Lehmann Agency about both options for your vehicles.

Yes, most classic car insurance policies can extend to shows, parades, and exhibitions in Lexington, Chapin, Columbia, and the greater Irmo area. Always confirm with Edward Lehmann Agency about specific events or travel beyond your primary service area.

Mileage limits are flexible depending on your policy. Edward Lehmann Agency can customize coverage to fit how often you take your vintage car out in Irmo, whether it’s for a few summer shows or regular drives in Oak Grove, White Rock, and beyond.

Evaluate your total assets and potential lawsuit risks; many businesses start with $1 million in umbrella limits and scale from there.

Premiums depend on your business type, current coverage, payroll, location, and claims history. Local agents like Edward Lehmann Agency can provide fast, tailored quotes for businesses in Irmo and neighboring towns.

Yes, because a commercial umbrella policy provides additional liability protection above your existing general liability and commercial auto coverage, offering extra peace of mind for significant claims.

Commercial umbrella insurance can extend liability protection over employers liability claims, but does not replace mandatory workers compensation coverage required in South Carolina.

Contact Edward Lehmann Agency in Irmo, SC for a personalized review of your coverage needs. Our agents serve not just Irmo, but also Columbia, Lexington, and Chapin with expert advice and local support.

Businesses with high public exposure or larger assets—such as contractors, trucking companies, manufacturers, and retailers operating in Irmo and West Columbia—most often need commercial umbrella policies.

If a claim surpasses your umbrella limit, you would be responsible for any excess. That’s why it’s important to choose coverage limits that align with your business’s risk profile, assets, and local exposure.

While not always legally required, many Irmo, SC businesses need umbrella insurance for contract obligations, peace of mind, and added protection against large liability claims common in today’s legal climate.

Yes—optional coverage reimburses you if your association’s policy deductible applies to a covered loss.

Condo insurance rates in Irmo, SC vary based on your building, coverage choices, and deductibles. Most policies cost between $300 and $600 annually. Get a personalized quote from Edward Lehmann Agency to find the best option for your needs.

To get condo insurance in Irmo, contact the Edward Lehmann Agency. We’ll review your HOA’s master policy, assess your coverage needs, and present tailored options for your location—including nearby cities like Columbia and Chapin.

Condo insurance (HO-6) covers your unit’s interior, personal property, and liability, while homeowners insurance usually covers the entire building and lot. Condo policies are customized to your association’s master policy.

Yes, most condo owners in South Carolina need condo insurance to cover property and liability risks not handled by the HOA’s master policy. Lenders often require condo insurance for financed units, and it offers essential peace of mind.

Standard condo insurance doesn’t cover flood damage. For full protection, consider purchasing a separate Flood Insurance policy, especially if your unit is in a flood-prone area of Irmo or Columbia.

If you rent out your Irmo condo, ask us about additional coverage options. Sometimes, Renters Insurance is a smart addition to protect tenant belongings and liability.

Yes, bundling your condo insurance with other coverages such as auto or Homeowners Insurance at Edward Lehmann Agency can save you money and simplify your insurance experience.

It’s required by lenders for homes in high-risk flood zones and available to anyone through NFIP.

Flood insurance costs vary based on your property's flood zone, coverage limits, and location in Irmo. Our team can help you compare rates from the NFIP and private carriers and find an affordable option for your home or condo.

Contact Edward Lehmann Agency to explore flood coverage options. We can provide quotes for both NFIP and private flood insurance, assist with required documentation, and make sure your Irmo property is properly protected.

Most homeowners insurance policies do not cover flood damage. Separate flood insurance is necessary for full protection. Consider combining a flood policy with Homeowners Insurance for complete coverage.

Yes, flooding can occur outside high-risk zones due to heavy rain or infrastructure issues. Many residents in areas like St. Andrews and Gilbert have benefited from carrying flood insurance even when not mandated by their lender.

There is usually a 30-day waiting period before flood insurance coverage kicks in. Certain exceptions apply if flood insurance is required immediately for a new mortgage in Irmo.

You can purchase coverage for the contents of your home with your flood insurance policy. This protects personal items, appliances, and electronics from water damage. Our agents can help you select the right amount of protection for your household.

NFIP policies are federally managed and widely accepted by lenders, offering standard coverage limits. Private flood insurance may offer higher limits, broader options, and quicker claims. We offer both types for Irmo residents and will help you compare benefits.

Yes—product liability for bodily injury or property damage from your products is included under most general liability policies.

The cost of general liability insurance in Irmo, SC varies based on your industry, size, and claims history. Most small businesses in Irmo can expect affordable annual premiums. Contact Edward Lehmann Agency for a personalized quote and savings opportunities.

Yes, even home-based businesses in Irmo should carry general liability insurance. Many clients, landlords, or vendors will require proof of coverage, and accidents or lawsuits can still happen, even outside traditional storefronts.

Nearly all businesses serving Irmo—including retailers, contractors, professional service firms, restaurants, and those in Columbia or Lexington—need general liability protection to cover unexpected risks and meet client requirements.

Simply contact Edward Lehmann Agency for a fast, tailored quote. We serve Irmo, Columbia, Lexington, and all nearby communities. Our experts will help you find the right coverage at a competitive rate.

Yes. You can bundle general liability with property and business interruption coverage in a Business Owners Policy. Speak with our agency about your unique needs to see if bundling makes sense.

General liability insurance is not legally required for most businesses in South Carolina, but many landlords or clients will make it mandatory by contract. It’s highly recommended for Irmo-area businesses.

General liability insurance covers your legal defense and potential settlements if your Irmo business is sued for third-party injury or property damage. Contact Edward Lehmann Agency immediately if you receive a claim.

Standard policies cover sudden water damage from burst pipes, but not flood—consider adding Flood Insurance.

It covers legal expenses if someone is injured on your property or you damage another’s property.

Rates vary, but Edward Lehmann Agency provides customized quotes based on your home’s value, safety features, and location in Irmo or nearby areas. Contact us for local pricing.

Simply contact Edward Lehmann Agency or request a free quote online. We’ll walk you through coverage options and guide you step-by-step.

Homeowners Insurance isn’t legally required in South Carolina, but most mortgage lenders require it. It’s highly recommended for all property owners.

Standard Homeowners Insurance covers your home, possessions, and certain liabilities. An Umbrella Insurance policy provides added liability protection above your base coverage limits.

Yes! Many Irmo families bundle their Homeowners Insurance with Windstorm Insurance or Flood Insurance for comprehensive protection and possible savings.

Wind damage may be covered, though some homes need a dedicated Windstorm Insurance policy. Flood damage requires a separate Flood Insurance policy.

Examples include mobile construction equipment, fine art, and specialized tools transported between job sites.

Rates depend on the value and type of property, frequency of movement, and risk factors unique to Irmo. Get a quote from Edward Lehmann Agency for an exact price.

Contact Edward Lehmann Agency in Irmo for a customized policy review. We'll help you determine what coverage your mobile equipment and property need throughout Irmo and the surrounding areas.

Inland marine insurance covers equipment and property in transit or stored offsite, while commercial property insurance typically protects assets at a fixed business location. Combining both ensures complete protection.

Contractors in South Carolina often need inland marine insurance to properly cover mobile tools and materials, especially when working at multiple job sites in cities like Irmo, Columbia, and Lexington.

If you have inland marine insurance, stolen equipment at a job site in Irmo or neighboring communities can be covered, depending on your policy terms. Contact Edward Lehmann Agency to start a claim.

Many inland marine policies can cover loss or damage from certain natural disasters, but coverage specifics vary. Speak with our Irmo office to ensure your policy meets your needs.

Inland marine insurance is not legally required in Irmo, SC, but many clients and contractors require proof of coverage for contract work.

Yes—loss-of-rental-income coverage reimburses the landlord for lost rents during covered repairs.

Landlord insurance premiums in Irmo, SC vary based on property value, location, coverage limits, and optional add-ons. Most policies start at a few hundred dollars per year. Contact Edward Lehmann Agency for a free quote tailored to your Irmo or Columbia area rental property.

Landlord insurance covers single-family homes, duplexes, and apartment buildings used as rentals in Irmo, Columbia, and neighboring communities. Specialized policies are available for multifamily and historic properties.

Landlord insurance is not required by South Carolina law but may be mandated by lenders or property management companies. It’s strongly recommended to protect your investment and comply with local rental agreements.

Yes, you can often bundle landlord insurance with Umbrella Insurance or Homeowners Insurance for savings and enhanced protection. Ask Edward Lehmann Agency about bundling discounts available in Irmo and nearby areas.

Simply call Edward Lehmann Agency or your insurer’s 24/7 claims line. We help Irmo landlords document damages, complete claim forms, and get repairs or payments started quickly throughout Irmo, Dutch Fork, and Cayce.

No, landlord insurance only covers the landlord’s property and liability. Tenants should secure their valuables with Renters Insurance, also available from Edward Lehmann Agency right here in Irmo.

Edward Lehmann Agency serves Irmo and surrounding communities including Columbia, Lexington, Chapin, West Columbia, Cayce, Forest Acres, and more. We help landlords find the right coverage for rentals across the Midlands.

Mobile home policies account for unique construction and mobility features, whereas homeowners policies assume a permanent foundation.

Mobile home insurance in Irmo, SC varies based on home value, location, and coverage options. Our team at Edward Lehmann Agency provides free, tailored quotes to help you compare costs for your specific needs around Irmo and nearby areas.

A standard mobile home policy in South Carolina generally covers your home’s structure, attached fixtures, personal belongings, liability for accidents, and additional living expenses if you have to temporarily relocate due to a covered claim. For enhanced protection, add-on options like windstorm and flood coverage are available from Edward Lehmann Agency.

Yes, mobile home insurance is essential for owners in Lexington, Cayce, and all of South Carolina. It’s often required by lenders or park managers, and protects your investment against local risks like severe storms and fires.

Getting a quote is easy—just call Edward Lehmann Agency or visit our Irmo office. We’ll review your home’s details and offer clear, local guidance for coverage.

Standard mobile home insurance may cover windstorm damage, but flood protection typically requires a separate policy. Residents in Irmo and nearby Columbia can add dedicated windstorm or flood insurance for full peace of mind.

If your mobile home is damaged in a storm, put your safety first, document the damage with photos, and contact Edward Lehmann Agency right away. Our local agents will help guide you through filing your claim and restoring your property, whether you’re in Irmo, Chapin, or Springdale.

Yes, many clients in Irmo and the greater Columbia area bundle mobile home insurance with auto or homeowners coverage. This often leads to savings and a simpler insurance experience. Ask our team about multi-policy discounts.

Most insurers exclude pre-existing conditions, but new illnesses and accidents are eligible for reimbursement.

Pet insurance in Irmo, SC varies based on your pet’s breed, age, and coverage options, but monthly premiums typically start around $20–$40 for dogs and $15–$30 for cats. Contact Edward Lehmann Agency for a personalized quote.

Getting pet insurance in Irmo is simple—call or email Edward Lehmann Agency for a quick quote. We’ll help you compare plans and handle the enrollment process locally.

Accident-only insurance covers just injuries and emergencies, while comprehensive pet insurance also protects against illnesses, hereditary conditions, and may include wellness care.

While pet insurance isn’t mandatory in South Carolina, many Irmo pet owners choose it for peace of mind against large, unexpected vet bills.

Some plans include wellness benefits for preventive care like vaccines and checkups. Ask our Irmo team about adding wellness coverage.

Most pet insurance plans let you visit any licensed veterinarian in Irmo, Columbia, Lexington, and surrounding South Carolina communities.

No—each occupant needs their own policy or endorsement for shared liability coverage.

Yes—covers sudden water leaks like pipe bursts, but not flood-related damage.

The cost for renters insurance in Irmo, SC typically ranges from $15 to $30 per month, depending on your coverage needs, location, and the value of your belongings. Ask Edward Lehmann Agency for a personalized quote.

Yes—you still need renters insurance. Even with security systems, only a renters policy can protect your personal possessions and provide liability coverage in Irmo.

Contact Edward Lehmann Agency directly by phone or visit our local office in Irmo. We’ll guide you step-by-step and offer personalized support throughout your claim.

Renters insurance covers your belongings and liability as a tenant, while condo insurance typically includes structural coverage for your owned unit in addition to personal property and liability.

Yes, you can get coverage as a tenant in shared housing in Irmo. Each resident should have their own renters policy or endorsement. Our team explains your coverage options for any living arrangement.

Renters insurance is not required by South Carolina law, but many landlords and property managers in Irmo and surrounding areas may require it as part of your lease agreement.

Provides supplemental coverage if a guest is injured inside your RV or trailer.

RV & Travel Trailer Insurance costs in Irmo, SC can vary based on your vehicle type, travel frequency, and coverage choices. Contact Edward Lehmann Agency for a personalized quote tailored to your needs.

Getting RV Insurance in Irmo is simple—contact the Edward Lehmann Agency, share your RV details, and our local agents will walk you through your options to find the best coverage for your travels.

In South Carolina, travel trailer insurance is strongly recommended and often required for financing or campground stays. It provides liability and protection from theft, fire, and other risks.

RV insurance covers specific risks unique to recreational vehicles like vacation liability and full-timer coverage, while auto insurance is designed for everyday driving. The Edward Lehmann Agency can help you decide which coverage fits your needs.

Many RV insurance policies from Edward Lehmann Agency include optional roadside assistance, covering you for breakdowns, towing, and flat tires whether you’re traveling through Irmo or anywhere else in South Carolina.

If you have an accident in your RV in Irmo or surrounding areas, ensure everyone's safety, document the situation, and contact Edward Lehmann Agency as soon as possible. We provide local claims support and guidance, helping you every step of the way.

Yes—policies include medical and evacuation coverage for emergencies overseas.

Travel insurance in Irmo, SC typically varies based on your trip length, destination, and chosen coverage options. Most plans are affordable and can be tailored to your budget. Contact Edward Lehmann Agency for a personalized quote.

Simply contact Edward Lehmann Agency or request a quote online. Our local, licensed agents help you compare plans and choose coverage that fits your needs and travel plans.

Travel insurance typically covers trip cancellations, baggage loss, and emergency medical care while traveling, whereas health insurance focuses on your ongoing medical needs at home. Travel insurance is essential for travelers because many health insurance policies don’t offer global coverage.

You may not need full travel insurance for trips within South Carolina, but some travelers choose partial coverage for peace of mind, especially if pre-paid expenses are involved. Our agents can help determine what protection makes sense for local trips.

If your luggage is delayed or lost, travel insurance can reimburse you for essentials or lost items, making it easier to continue your journey without added stress.

Yes, you can add extra coverage for high-value or specialized items like electronics, jewelry, or sports equipment. Ask Edward Lehmann Agency about extending your policy to include these items.

Yes, most comprehensive travel insurance plans include emergency evacuation services for international destinations, covering transport to a medical facility if needed.

No—it’s typically excluded and must be purchased as a separate policy or endorsement.

Windstorm Insurance costs in Irmo, SC vary by home value, location, distance from the coast, and building features. Speak with Edward Lehmann Agency to get an accurate, personalized quote for your property in Irmo or neighboring areas like Chapin and Columbia.

Contact the Edward Lehmann Agency for a quote. We'll assess your home's risk factors, explain policy options, and help you choose the right coverage—whether you’re in Irmo, Lexington, or Red Bank.

Windstorm Insurance covers damage caused by wind, hurricanes, and hail, while Flood Insurance covers losses caused by flooding. In Irmo and the surrounding areas, both may be necessary for full weather protection.

In South Carolina, most Homeowners Insurance policies exclude windstorm coverage, especially in high-risk zones. A dedicated Windstorm Insurance policy is essential for protection against hurricane and wind damage.

Contact Edward Lehmann Agency immediately after any storm damage. Our local claims experts will guide you through documentation, repairs, and filing your claim so you get the support you need, quickly.

Yes. Mobile homes in Irmo, as well as those in West Columbia, Cayce, and Chapin, are eligible for specialized Windstorm Insurance through Edward Lehmann Agency.

Windstorm Insurance is not required by law, but many mortgage lenders in high-risk wind zones around Irmo do require it. Even if it's not mandated, it's highly recommended for full protection.