Autumn in the Lowcountry brings a gentle shift in temperature, the soft rustle of live oaks, and the promise of crisply cool evenings perfect for gathering around a fire pit. As Spanish moss sways in the breeze and marsh grasses take on golden hues, families flock to pumpkin patches, oyster roasts, and waterfront festivals that celebrate our region’s unique charm. It’s a season of vibrant sunsets over tidal creeks and of firefly-lit drives down country lanes.
With the changing season comes new rhythms—and new considerations for safeguarding what matters most. Before decorating your porch with gourds and hay bales, take a moment to review your homeowners’ policy: ensure your dwelling and personal belongings are covered against wind damage, falling tree limbs, and seasonal downpours. Since hurricane season lingers in South Carolina through the end of November, also ensure your flood policy is current in the event of autumn storms.
On the road, cooler mornings can mean lingering fog and slick leaves; make sure your auto policy is up to date and that you understand features like roadside assistance and rental reimbursement. A quick maintenance check—new wiper blades, proper tire pressure, and topped-off fluids—can go a long way toward avoiding autumn mishaps. And if your travels take you out onto the back roads for birding, hunting, or simply leaf-peeping, consider adding an umbrella policy for extra liability protection.
For our neighbors who own and operate businesses, autumn is also a time to think about your commercial property and liability coverage. Whether your shop fronts a busy downtown street, or your offices sit riverside, seasonal storms and cooler temperatures can pose unique risks. From roof damage due to falling branches to slip-and-fall claims on damp entryways, a Business Owners Policy (BOP) can help you continue serving customers without missing a beat. Talk with our agents about tailoring coverage for your inventory, equipment breakdown, loss of income, and Liability limits that reflect your growing success.
At Gill Insurance of the Lowcountry, we’re proud to help our neighbors embrace every season with confidence. Let’s welcome autumn together, and make sure you’re fully covered for all the joys (and surprises) this season brings.