🛡️ The Midlands Insurance Impact Report

 

What Every Family Needs to Know Before Renewal Season

By Mauldin Insurance Group | November 2025

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📍 Why This Report Matters

Renewal season isn’t just about signing another year of coverage—it’s about protecting your family, your home, and your future. In the Midlands, where community runs deep and BBQs still bring neighbors together, your insurance choices should reflect your values and your reality.

This report breaks down what Midlands families need to know before renewing auto, home, and life insurance policies. It’s not a sales pitch—it’s a clarity check.

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📊 Midlands Trends You Can’t Ignore

• Auto premiums are rising in Lexington and Irmo due to increased accident rates and repair costs.
• Home insurance gaps are common in West Columbia and Forest Acres, especially for older homes without updated replacement cost estimates.
• Life insurance ownership is declining among young families, despite lower rates and higher need.

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🔥 The BBQ Test Revisited

We asked: Would your family be okay without you?

The BBQ Test imagines your loved ones showing up to a neighborhood cookout a few months after your passing. Would they be smiling—or silently struggling?

Real Midlands stories show the difference:

• A Columbia widow who kept her home thanks to a $250,000 term policy.
• An Irmo dad whose disability coverage paid for therapy and groceries during recovery.
• A Forest Acres couple who discovered they were underinsured—just weeks before a fire.

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✅ Renewal Season Checklist

Before you renew, ask:

• Auto: Are you carrying enough liability to protect your assets?
• Home: Is your dwelling coverage based on current rebuild costs?
• Life: Would your policy cover 5–10 years of income, mortgage, and education?
• Disability: Do you have a plan if you’re injured and can’t work?

Documents to gather:

• Current declarations pages
• Mortgage balance
• Household budget
• Any recent appraisals or upgrades

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🏡 Midlands Pride, Midlands Protection

Insurance isn’t just paperwork—it’s how we protect what we love. From POINTER the canine hero 🐾 to the families who show up for each other, Midlands pride runs deep.

At Mauldin Insurance Group, we don’t sell fear. We offer clarity, compassion, and coverage that fits your story.

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📞 Ready for Your Free Midlands Impact Review?

No pressure. No jargon. Just a clear look at what you have—and what you might need.

👉 Schedule your review
📍 Serving Lexington, Columbia, Irmo, West Columbia, Forest Acres, and the Midlands