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South Carolina Agency Partners with One of the Midwest’s Leading Independent Insurance Organizations

Myrtle Beach, SC – 7/17/2025 – Waccamaw Insurance Services, a trusted independent insurance agency serving the greater Myrtle Beach community, is proud to announce it has officially joined Dimond Bros. Insurance, one of the Midwest’s largest and most respected independent agency organizations.

This strategic partnership brings enhanced resources, carrier access, and expanded services to the South Carolina market while allowing Waccamaw Insurance to retain its local presence and commitment to personalized client service.

Founded in 1867, Dimond Bros. Insurance is headquartered in Paris, Illinois and has grown to over 40 locations across Illinois, Indiana, and Wisconsin. The addition of the Myrtle Beach agency marks an exciting expansion into the Southeast, bringing Dimond Bros.’ commitment to exceptional service and tailored solutions to new communities.

As part of the Dimond Bros. family, Waccamaw Insurance will now offer:

• Access to a broader range of top-rated national and regional insurance carriers.
• Competitive pricing and enhanced coverage options for personal, commercial, and life insurance.
• Back-office support, technology tools, and advanced service capabilities.
• Continued local expertise with the added strength of a larger organization.

About Waccamaw Insurance

Waccamaw Insurance has been serving the Myrtle Beach are with personalized insurance solutions for individuals, families, and businesses for nearly 50 years. Known for its commitment to client relationships and community service, Waccamaw Insurance offers coverage across home, auto, business, and specialty lines.

About Dimond Bros. Insurance

Dimond Bros. Insurance is one of the Midwest’s leading independent insurance agencies providing customized insurance and risk management solutions for individuals, businesses, and communities since 1867. With a strong regional presence and a commitment to local relationships, Dimond Bros. delivers trusted guidance and a superior service at every level.

Vehicle theft has soared in the United States in recent years. In 2023, there were more than 1 million vehicle thefts reported. This equates to roughly one vehicle stolen every 31 seconds in the United States.

To help drivers keep their vehicles safe, the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) has marked July as National Vehicle Theft Protection Month. NHTSA hopes to increase awareness of the stolen vehicle epidemic during this event, as summers prove to be the worst season for vehicle theft.

According to NHTSA, vehicle theft costs vehicle owners billions of dollars per year.

How to Protect Your Vehicle

Several different types of antitheft systems and devices are designed to make vehicles more difficult to steal as well as easier to trace and recover. Here’s how some of them work:

• Audible and visible devices—Car alarms can deter theft because they call attention to a vehicle should someone try to enter it without a key. Likewise, steering wheel locks and theft-deterrent decals warn a would-be thief to stay away.
• Immobilizing-type devices—This antitheft system makes it nearly impossible for thieves to hot-wire your vehicle.
• Vehicle recovery systems—If your vehicle is stolen and has a vehicle recovery system, law enforcement may be able to tap into it and locate your vehicle.

Additionally, most vehicle thefts are due to simple driver errors, such as leaving the keys in the vehicle. Don’t become a statistic—protect your vehicle and belongings with these safety tips:

• Always take your keys with you, close your windows, lock the doors and park in well-lit areas.
• Never leave valuables in your vehicle, especially where they can be seen. Additionally, avoid leaving the area while your vehicle is running.

What’s Next?

In the unfortunate event that your vehicle is stolen, there are a couple steps you need to take to respond properly:

• Contact the police immediately to file a stolen vehicle report. You’ll need a copy of the police report or a case number to provide to your insurance company. You may be asked to provide your license plate number; the make, model and color of your vehicle; your vehicle identification number (VIN); and any identifying characteristics of the vehicle.
• Contact your insurance company to file a claim no more than 24 hours after discovering your vehicle was stolen.

For more vehicle safety information, contact Dimond Bros. Insurance.

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.

Fireworks are a staple of many Fourth of July and other celebrations, but to remember to take precautions to ensure your special event is safe and accident-free.

The Risks

Unfortunately, many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur. Fireworks can not only injure the users, but can also affect bystanders.

Bottle rockets and firecrackers can fly in any direction and may explode on or near someone instead of up in the air. Sparklers are also a huge risk, as they burn at very high temperatures and are often given to children too young to use them safely. All fireworks pose a potential risk of burn, blindness, or other injury.

Tips for Safe Use

When using fireworks, always plan carefully in advance for who will shoot them and what safety precautions you will have in place. Here are some suggestions to ensure safety and avoid accidents:

• Use fireworks and sparklers outdoors only.
• Always have a hose or water bucket handy.
• Only use fireworks as intended. Do not alter or combine them, and do not use homemade fireworks.
• Keep spectators a safe distance away.
• Never give sparklers to young children.
• Wear safety goggles when handling or shooting off fireworks.
• Do not shoot fireworks off if under the influence of alcohol.
• Show children how to properly hold sparklers, how to stay far enough away from other children and what not to do (throw, run, or fight with sparkler in hand)—but supervise closely regardless.
• Point fireworks away from people, homes, trees etc.
• Never try to relight a dud (a firework that didn’t properly ignite).
• Soak all firework debris in water before throwing it away.
• Do not carry fireworks in your pocket or shoot them from metal or glass containers.

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.

Boat insurance is a policy that helps protect you from financial loss if your boat is damaged, stolen or involved in an accident. It also covers liability if you cause injury or property damage while operating your vessel.

Common Coverages

• Liability coverage can help cover costs if you’re responsible for injuries or property
  damage to others.
• Physical damage coverage can help pay for repairs or replacement if your boat is
  damaged by collision, weather, theft, vandalism or another covered event.
• Uninsured/underinsured boater coverage can help cover accident-related costs if
  you’re hit by someone without sufficient insurance.
• Emergency towing and assistance can help if your boat breaks down on the water and
  needs help reaching shore.
• Personal effects coverage can help replace personal items on board—such as gear,
  electronics, and equipment—if they’re damaged or stolen.
• Trailer coverage can help pay to repair or replace your boat trailer after a covered
  accident or incident.
• Wreckage removal can help pay to remove the wreckage of your boat if it sinks and
  removal is legally required.
• Pollution liability can help cover clean-up costs if your boat leaks fuel or oil into the
  water.

Common Endorsements

• Agreed value coverage locks in a payout amount for total loss, regardless of
  depreciation.
• Fishing equipment endorsement increases limits on fishing gear lost or damaged on
  board.
• Hurricane haul-out can help cover the cost of moving or hauling your boat to safety
  during a named storm.
• Navigation area extension expands the geographical coverage area if you travel
  outside the standard policy zone.
• Charter use endorsement allows limited use of your boat for paid charters or rentals.
• Boat show and exhibition coverage can help provide coverage for the boat while it is
  displayed at shows or public events.
• Mechanical breakdown coverage adds engine or mechanical failure coverage,
  typically excluded from base policies.

Premium Cost Factors

Several things influence how much you’ll pay for boat insurance. Here are the most
common factors that can affect your premium.

Boat-specific factors:

• Type of boat—Speedboats, fishing boats, sailboats, yachts, and personal watercraft
  carry different risk profiles.
• Length and horsepower—Larger, faster boats usually cost more to insure due to
  higher repair and liability risks.
• Age and value of the boat—Newer or more expensive boats generally cost more to
  insure.
• Construction material—Fiberglass, aluminum, wood, and other materials differ in
  durability and repair costs.
• Modifications or custom features—High-end electronics, custom engines, or
  upgrades can increase both the value and risk.

Usage and operation:

• How the boat is used—Personal use, chartering, commercial fishing, or racing affects
  your rate.
• Navigation area—Inland waters are usually cheaper than coastal or international
  waters.
• Lay-up periods—Premiums may be lower if the boat is only used seasonally or stored
  for part of the year.
• Storage method—Boats kept in secure dry storage usually cost less to insure than
  those docked in water year-round.

Owner-related factors:

• Boating experience—More experience can reduce your premium, especially if you take
  safety courses.
• Claims history—A clean record helps lower costs; previous claims can raise them.
• Driving record—Some insurers consider your driving history as an indicator of risk.

Policy choices

• Coverage limits—Higher coverage amounts increase premiums.
• Deductibles—Choosing a higher deductible can lower your premium, but you’ll pay
  more out of pocket if there’s a claim.
• Selected endorsements—Adding optional coverage (like towing, personal effects, or
  agreed value) increases the cost.

Learn More

Every boat and boater is unique. The best way to get the right coverage is to speak with
an agent who understands your needs. Our team can walk you through your options and
provide a personalized quote.

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.

We understand that Health Alliance Medical Plans has made the difficult decision to discontinue offering health insurance. For our current clients, this change may raise concerns about your health coverage moving forward. It’s essential to prepare proactively to ensure you continue to have the health insurance coverage you need. Here are steps you should consider taking:

1. Evaluate Your Current Situation: Review your health needs, including any ongoing treatments or medications. Review the health providers who are important to YOU and your family. 
2. Research Alternatives: Let us help you explore other health insurance options in the marketplace or through your employer, if applicable. Compare benefits, premiums, and healthcare providers to make an informed decision. 
3. Contact a Professional: Navigating the complexities of health insurance can be overwhelming. This is where **Dimond Bros Insurance** can be your trusted partner. Our team is dedicated to helping you find the right plan tailored to your unique needs. 
4. Stay Informed: Follow updates on health insurance regulations and marketplace offerings. Knowledge is power, and we’re here to keep you updated. 

At Dimond Bros Insurance, our mission is to ensure a seamless transition to a new health plan, safeguarding your health and peace of mind. Our experienced agents are ready to assist you in navigating this change and help you find the ideal coverage. 

Don’t hesitate to reach out to us today for personalized support!

Mike Holley – Vice President of Life and Health 

Dimond Bros Insurance, LLC 

Mike.holey@dimondbros.com

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.

Personal lines insurance can be a crucial aspect of financial planning that offers individuals and families financial protection against various risks. Personal insurance refers to a range of policies aimed at safeguarding individuals and their families from financial setbacks caused by unforeseen events. This type of insurance encompasses policies such as auto, home, renters and life insurance, each designed to insulate individuals and families from financial losses.

By understanding the different types of personal lines insurance and their advantages, individuals can make well-informed choices to shield themselves and their families from unforeseen financial challenges. Consider the following risk exposures and how insurance can help.

Property Damage

One common risk for individuals is property damage, which is the damage or destruction of physical items you own, such as the structure of your home or individual items. Homeowners insurance can offer protection for your home and its contents. It typically includes dwelling coverage (for house damage) and personal property coverage (for belongings). Property insurance is an essential financial shield for property owners, offering financial coverage for various risks such as fire, severe weather and vandalism. Most mortgage lenders mandate insurance, ensuring additional protection for the owner’s investment. Property insurance offers peace of mind, assuring owners that their assets are safeguarded from unexpected incidents.

It’s important to note that property insurance doesn’t cover every situation. Natural disasters such as hurricanes, floods and earthquakes generally require separate insurance beyond a typical homeowners policy. In addition to standard coverage, property owners may need to invest in endorsements, such as sewer backup, flood, sinkhole and earthquake insurance, to address gaps in coverage.

Property Theft

Another common risk for individuals is property theft. Homeowners and renters insurance typically include coverage for property theft, even if the theft doesn’t occur at your home; however, coverage limits may vary depending on the policy and situation. Additional coverage, such as a scheduled personal property endorsement or a rider to your home or renters insurance policy, may allow you to list each valuable item individually, along with its appraised value, ensuring it is fully protected against loss, theft or damage.

Start by getting a professional appraisal for each item to determine its worth. Then, provide this documentation to your insurance provider, who will adjust your policy accordingly. This process can help ensure that your high-value possessions are adequately covered beyond the standard policy limits. Review and update your coverage regularly to reflect any changes in the value of your items.

Vehicle Damage and Theft

Even the most careful driver is at risk for vehicle damage and theft. Many people opt to carry only as much auto insurance as is required by law, which is typically just liability coverage, but this won’t cover damage and theft. For that, you will need a more well-rounded policy that includes the following:

• Comprehensive coverage can help pay for losses caused by non collision events, such as weather events, theft, vandalism or striking an animal.
• Collision coverage may help cover the cost of repairing your vehicle if it is damaged in an accident with another vehicle or object.
• Uninsured/underinsured motorist coverage can help you stay financially protected if your vehicle is involved in a hit-and-run incident or if you get in a car accident with an at-fault uninsured/underinsured third party.

Personal Liability

Personal liability insurance is crucial for protecting yourself financially from potential lawsuits and claims. If you have attractive nuisances on your property, such as a swimming pool or trampoline, you could be held liable if someone gets injured while using them. Dog bites are another common source of liability claims, as you could be responsible for medical expenses and legal fees if your pet injures someone. Hosting house parties also increases your risk, as guests could get injured or cause damage, leading to potential lawsuits. Adding personal umbrella insurance provides an extra layer of protection, extending your coverage limits and offering peace of mind in case of significant claims that exceed your standard policy limits. This comprehensive approach can help protect you against various risks and liabilities.

Legacy Planning

Legacy planning with life insurance can be vital in helping provide for your loved ones after you’re gone. Life insurance can help cover funeral expenses, pay off debts and provide a financial cushion for your family, allowing them to maintain their standard of living. It’s never too early to get life insurance, as securing a policy when you’re young and healthy often means lower premiums and better coverage options. Additionally, early planning allows you to build a more substantial policy overtime, which can better protect your legacy. By taking proactive steps now, you can provide peace of mind and financial stability for your loved ones in the future.

Contact Us

We’re here to help you learn more about addressing insurance exposures through proper coverage. Contact Dimond Bros. Insurance for more information.

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.