Frequently Asked Questions

Yes. The Morgano Agency is an independent agency and a member of Trusted Choice. We're not loyal to one carrier, we shop your coverage across multiple A-rated South Carolina insurance companies and place it where the fit is best for you.

Vic Morgano founded the agency in Greenville in 1998. We've been Upstate-local, family-owned ever since.

No. Most clients quote, bind, and renew by phone, email, and online. Walk-ins are welcome at our Pine Knoll Dr office during business hours.

Most personal and small commercial quotes come back the same week. Some same-day, depending on the carrier and what underwriting needs.

Most carriers offer monthly EFT, credit card, or paid-in-full. Paid-in-full usually carries a discount worth asking about.

SC requires 25/50/25 in liability (bodily injury / property damage) plus uninsured motorist coverage. That's the legal minimum. We almost always recommend higher because one bad wreck can blow through it in an afternoon. See our auto insurance page.

No. Flood is excluded from every standard homeowners policy. You buy it through the National Flood Insurance Program (NFIP) or a private flood carrier. See our flood insurance page.

Usually yes. Bundling commonly saves 10–20%, but the cheapest bundle isn't always the cheapest pair. We quote them both ways and tell you the difference.

Your dwelling coverage should match what your home would cost to rebuild today, not its market value. We'll work the number with you using the actual square footage and construction. See homeowners insurance.

If you rent a home or apartment, yes, for your belongings and for liability. Many leases now require it. See renters insurance.

For most working-age Greenville families, term is the right starting point. Whole life fits specific situations like estate planning or business succession. We'll tell you which fits. See life insurance.

SC doesn't legally require it for most businesses, but landlords, general contractors, government contracts, and many vendors do. If anyone has asked you for a certificate of insurance, you need GL. See general liability.

Once you regularly have four or more employees (including part-time and family on payroll), workers comp is required under SC Code Title 42. See workers compensation.

A business owners policy bundles general liability with commercial property and business interruption, usually cheaper than buying them separately. If you have an office, storefront, or inventory, ask about a BOP. See BOP.

Yes, if the vehicle is used regularly for business. Personal auto policies exclude business use beyond commuting. See commercial auto.

A COI is a one-page proof-of-coverage summary that landlords, GCs, and customers ask for. We issue COIs the same business day. Request a COI here.

Call us at (864) 609-5285 as soon as it's safe. We open the claim with the carrier, walk you through what documentation you'll need, and stay on it until it's closed.

It depends on the type of claim, the size, and your prior history. We'll re-shop your policy at renewal if your carrier raises the rate to make sure you're still getting the best deal in the market.

Yes. Send us a note and we'll endorse the change. Most mid-policy changes are easy and the premium difference is prorated.

Send us the new lender's name and loan number. We'll update the policy and send proof of insurance to the mortgage company the same day.

Send us a note with the cancellation date. We'll process it with the carrier and confirm the refund amount if any.

As an independent agency, we work with many different carriers and place your coverage where the fit is best. Our lineup includes well-known names such as Travelers, Progressive, Liberty Mutual, Safeco, The Hartford, and Hagerty, and we shop your policy across multiple A-rated companies to match coverage and price.

Yes. Adding a teen driver usually raises premiums, but discounts such as good-student, driver-training, and bundling can soften the cost. We'll compare carriers to find the right fit for your family and make sure the coverage actually protects you.

Yes. We write boat and watercraft coverage for the Upstate lakes, including Lake Hartwell, Lake Keowee, and Lake Jocassee. A policy can include liability, physical damage for your boat and motor, and coverage for trailers and equipment.