We love Hilton Head Purchasers

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Greetings from Hilton Head Island~

The Hilton Head area is truly an oasis. With its lush sub tropical beauty, the 12 miles of beach, great year-round climate, life is simply better here! As a prospective purchaser that is researching the area, you will find that Hilton Head Island is centrally located and truly offers something for everyone. Read the rest of this entry

Buying homeowners insurance in the low country

Be the first to comment on this post Categories: Taxes, Insurance and Ownership Expenses

Dear Friends, Clients and Fellow Associates~

 I asked Jeff Althoff an agent with Beaufort County Farm Bureau to help us all understand insurance in the Low Country.  If you are looking for a comparison to your existing policies, or getting ready to buy a home or villa please feel free to give Jeff a call!  All the best…Robbie

 Buying homeowners insurance in the low country

There are different policies for various types of homes or condos, but the essential elements are coverage for the home structure, its contents (your stuff) and personal liability for your injury to another. In addition, living in the Low Country means we have to be concerned with wind coverage, as well as flood and earthquake. We will review each of the major coverage areas:

Dwelling – Coverage A – This first section covers your home structure from most common hazards or perils such as fire. You want to buy a policy that provides for the home to be insured for its replacement value (cost to rebuild the home not market value of the real estate.) Note that most policies exclude coverage for flood, earthquake, wear and tear and damage from insects.

Other Structures – Coverage B – This coverage is for structures that are not attached to the home, such as garages, storage sheds, playground equipment, and swimming pools.

Personal Property – Coverage C – This part of the policy insures your contents or the stuff you own. The coverage applies whether items are located at home or away from the premises. The limit found on most policies is usually some percentage factor of the base home amount. You want to be sure it is enough. Some items that have significant value should be insured separately such as jewelry, guns, antiques, fine arts and collectibles.

Loss of Use – Coverage D – This part of the policy covers additional costs for living expenses while your home is being repaired due to a covered loss.

Personal Liability – Coverage E – The homeowners policy covers your legal liability, attorney fees and judgments for causing personal injury or property damage to others. There are exclusions, but essentially this protection is in place for third parties that are hurt while on your premises or that you damage while away from your house (not in a vehicle).

Medical Payments – Coverage F – This coverage is to pay for minor injuries to guests in your home. For example, if your neighbor’s child is injured while playing at your house and needs to go to the emergency room for stitches.

Wind Coverage – The Low Country is considered a high risk for damage due to high winds such as hurricane or tropical storm. Depending on your location, you may have the wind coverage included in your policy, or purchased separately through the South Carolina wind insurance pool. This coverage usually carries a percentage deductible based on the value of the house.

Flood – Most policies exclude the flood hazard. Coverage is available through the Federal Government National Flood Insurance Program (NFIP). In the United States, more damage is done to homes from flood than any other type of claim! Don’t overlook this coverage even if your mortgage company does not require it.

Earthquake – Living in the Low Country does present exposure to earthquake. There is a fault line that runs through the area. Coverage usually can be added to the homeowners policy as an option.

How to save money on Insurance

Shop the market – This can be a lengthy process so give yourself plenty of time. Policies vary greatly from one company to the next. Do you want the services of a local professional insurance agent or are you ok dealing with that 800 number?

Increase your deductibles – You can save significant premium dollars by increasing your deductibles. Did you know that most homeowners policies never have a claim? Save some money but make sure you are comfortable with the amounts should a claim occur.

Insure your home for the correct value – Don’t confuse the market value of the home with its replacement cost. Remember you need enough coverage to rebuild the structure. You are not insuring the value of the land, just the house.

Look for other Discounts – Most companies will give credits or discounts off the premium for having or adding things like alarms, sprinkler systems and storm protection. In addition, some insurance companies offer discounts for having your auto insurance in addition to the homeowners policy. Many other discounts are available so make sure you ask about all that you may be entitled.

Maintain good credit – Companies use an insurance score based on your credit for determining your premium. So, the better your credit the lower you premiums!

Final Thoughts

It is hard to remember all the stuff you have after a major loss. You should take an inventory of your possessions and all the items in your home. Save receipts for the big ticket items purchased and consider taking pictures or videos throughout your home. Keep these records in a safe place.

Make sure you consider the financial stability and integrity of the insurance company where you are purchasing your policy. In today’s turbulent economy, big things are happening in the financial sector, and you want to be with a company that will be there for you should you need them at claim time. No one ever asks how much the policy cost after a major loss!

Every year or two it is a good idea to go through your policy and consider any changes. You want to update your policy to cover anything major like big purchases or additions to your home. But, you don’t need to continue paying for any coverage that you no longer need. You can complete this review on your own or through the services of a professional insurance agent.

Jeff Althoff, Agent

Beaufort County Farm Bureau

PO Box 4488

Beaufort, SC 29903

Ph:   843-522-0031 Ext. 234 

Cell: 843-812-2921

Fax: 843-522-0785


 Are you looking for Life, Health or Long Term Care Insurance? Ask me, I can help!

 “Helping You Is What We Do Best!”

Freebies and Fun links for Hilton Head!

1 Comment | Leave A Comment Categories: Food, Fun and Festivals

Dear friends, clients and fellow associates:
We hope you enjoy the information below.  These links inlcude top 10 things to do, island maps, top restaurants, and fun ideas to share with friends, family and fellow associates.  Simly click on the “Forward email” in the bottom left of this page.   Thank you.
Vacation Time!  Everyone needs one!  Despite the recession, with summer right around the corner, the family simply will not be satisfied vacationing in the backyard.  Fortunately Hilton Head Island, South Carolina is an easy one day drive from practically anywhere in the northeast.  We have several special vacation programs available including oceanfront condos, big chill rental homes and resort villas.  Give us a call or shoot us an email for our latest vacation destinations… 
I love being a “tourist for a day” on Hilton Head Island when friends and family visit.  There are so many exciting things to do and see.  My visitors help me remember all the great things we have here as we rediscover the Island together.  As you make your plans this summer, feel free to contact us for maps, ideas and information about the area.  We have put together a list of ideas for fun including “local favorites”.  Keep in mind, this offer is not exclusively for tourists and locals may participate in the fun too!…
Do you click with your REALTOR®?  We are often asked for links and ideas relating to Hilton Head Island and the surrounding areas including Beaufort, Daufuskie Island, Charleston and Savannah.  We have put together a list of links that only require a “click” to visit. The links include everything from ownership to vacationing ideas… 
Latte Lou’s List after many years on Hilton Head Island I’m sharing some of my favorite places to eat.  There are many other good restaurants but these are the ones I consistently frequent… 
The initials “T A N S T A A F L” stand for There Ain’t No Such Thing As A Free Lunch.  Although nothing is free, the goal of any business is to attract new business through advertising or free promotions.  That said, we asked businesses owners that we know and trust to give us a special that we could offer you.  If you have any questions or would like additional suggestions, please..


Robbie Bunting & Jane Hyers
Realtor ~ Associate Broker
Hilton Head Island,  SC
Via Phone             800-932-3652 ~ 842-0805
e-mail                   robbie@robbiebunting.com

 P.S.  Don’t forget Dad this Weekend…click here for a $25 off dinner coupon for fathers day @
          HHPrime.  This great steakhouse is located at the Hilton Oceanfront Resort in Palmetto

Enjoy time with each other! 


Robbie Bunting & Jane Hyers




Join Our Mailing List

TANSTAAFL on Hilton Head, but…

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Dear Clients, Friends and Fellow Associates~ The initials “T A N S T A A F L” stand for There Ain’t No Such Thing As A Free Lunch.  Although nothing is free, the goal of any business is to attract new business through advertising or free promotions.  That said, we asked businesses owners that we know and trust to give us a special that we could offer you.  If you have any questions or would like additional suggestions, please let us know.  We hope you enjoy…


Bistro 17 ~ FREE Bottle of Bistro Wine with purchase of 2 entrees at dinner or 10% off Lunch.  Located in Shelter Cove Harbour.  bistro17hhi@aol.com


Designing to Sell ~ FREE 1 hour consultation that includes furniture re-arrangement and design consultation.  (843)301-3226 kellyhughes@designingtosellinc.com


Pana Roofing ~ “FREE” roof cleaning and inspection program.  Please email or call them to schedule an appointment. (843)682-2440 office@panaroofing.com


Hilton Head Prime ~ $25 off Dinner at HH Prime at the Oceanfront Hilton! Father’s Day or any day from 6/14 through 6/28/2009.  Just sign up for their email updates on special events and your $25 off dinner coupon will be waiting for you at HH Prime! http://www.hhprime.com/fathersday_popup/fathersday_popup.asp


Mortgage Network ~ “FREE” One Hour private Consultation with David Crowell~ Mortgage tune up or new purchase includes pitfalls to look out for and opportunities ahead.  Client for life program w/FREE Refi’s call (843)842-4004 dcrowell@mortgagenetwork.com.


Coastal Pools and Fountains, Inc ~ FREE pool design and setback review for home and lot owners.  FREE pool owners first months service with one year contract and FREE standard tile replacement with re-plaster of pool. (843)686-4812 or Danyg@aol.com


Bunting Construction Company ~ FREE garage floor painting included with new home construction contracts over $500,000. Offer valid 6/1/09-12/31/09 (843)384-7468 or sbunting@buntingcompany.com


Free $8,000 Tax Credit ~ FHA-approved lenders were recently given the green light to develop bridge-loan products that would allow first-time buyers (anyone who has not owned a home in the last three years) to use the benefits of the federal tax credit “upfront.”  Contact me (800)932-3652 or islandrealtor@hargray.com


Home or Villa Buyers ~ FREE one year home warranty for buyers after purchase and for sellers during the listing period.  This $550 value is paid for at closing and costs sellers nothing if I do not sell their property.  (800)932-3652 or islandrealtor@hargray.com


Studio V Yoga ~ FREE first session Yoga on the beach for all levels with the mention of this ad. Wednesdays at 9:00 a.m. Meet on the Holiday Inn Beach to the right of the Tiki hut when facing the ocean. Bring a large beach towel.  Call Karen (843)816-3777 studiovforhealth@aol.com


Rental Property Buyers ~  FREE Rental Website (Vacation Rental By Owner VRBO) when you purchase a rental property with us.  This includes photos, description, a how to use session and first year payment.  (800)932-3652 or islandrealtor@hargray.com


Pro-Photo ~ 20% off vacation or family professional photos by Scott Moody.  This offer is for the sitting fee at Pro Photo.  Located on Arrow Road past Salty Dog T-Shirt Factory.  scott@prophotosc.com


Masterkey Lock Service ~ $10.00 off the first service call with the mention of this e-mail ad.  Call Richard at (843)684-0688 magnolem@aol.com


Professional Cleaning Services ~ 25% off the first deep clean for homes or villas and 20% off your first regular home or villa cleaning.  Call Zaida Lopez at (843)684-0257


Professional Painting Services ~ 20% off the first paint quote interior or exterior with the mention of this email ad.  Call Roberto Lopez at (843)689-9657


Gentle Spray Powerwash ~ 25% off the power wash of your home or villa with the mention of this email ad.  (843)671-2929 gentlespray@hargray.com


Santa Fe Restaurant ~ Free Appetizer when two or more dinner entrees are ordered(first time with the mention of this email ad.) Offer not for use with any other discounts or specials. (843)785-3838 www.santafehhi.com 


Regions Bank ~ Free with no monthly fee LifeGreen Checking Accounts for students and people over 50.  Includes a Check Card  and  direct deposit or 5 electronic transactions per month or Online Statements (otherwise $5 monthly fee).  (843) 785-5649  Mark.Brittman@Regions.com


We hope you avail yourself to the businesses and the people that have stepped forward with these offers for you.  If you have any questions or comments feel free to call or email us anytime.   Be sure to tell them “Robbie & Jane” sent you.  Thank you.


Have fun!


Robbie Bunting * Jane Hyers

Phone             800-932-3652 ~ 842-0805
e-mail            robbie@robbiebunting.com

Before you print this e-mail, please think of our environment. Thanks!

Pleae join our “e” CLUB!

Be the first to comment on this post Categories: Off Topic Hilton Head Area

Greetings from Hilton Head IslandJ


We invite you to join the E-Club!  This monthly and brief email will include current events with links to areas that interest you, including:


  • Best Restaurants – Find the best early bird or discover The Islander’s favorite restaurants and the entres they specialize in with this link
  • Trade Opportunities – This link will include trade properties like those that are on the enclosed list.  (See the attached Palmetto Dunes Trades.)
  • Red Hot Deals – This link will be updated with real estate deals, not just our best buys!
  • Real Estate Links – This link will help you remodel, rent, or repair anything in your home or villa including special reports from real estate gurus. 
  • New Offerings-  New ground floor properties as they come up can be found on this link.
  • Sellers Trends – This link will include trends to help sellers like the simple table attached. (See the attached Sellers Trends Sheet.)
  • Accommodations – Rent direct and save $$$.  This link will include home and villa rentals direct from our owners or discounts @ Hilton, Marriott, or Westin Resorts.
  • Current Events– When we send out our email club newsletter, the one paragraph hello will include a list of current events on the Island in the month ahead.

Please help us and refer this club to a friend who may benefit from its resources. (And if this email club was recommended to you and you would like to join our mailing, simply email us today!)  Thank you.  I hope you find the information I provide valuable in achieving your Island goals and dreams.



Robbie Bunting &

Jane Hyers

P.S.  Sign up in the next 30 days and you will receive a free one year AHS warranty with your next sale or purchase with us as a thank you for joining our E-Club J

Free maps and a list of the best restaurants on Hilton Head

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Summer time is right around the corner!  

If you are planning on visiting or visitors this summer, we have prepared two great maps that include the top 10 Cool Things to Do on both Hilton Head Island and Daufuskie.   These 11×17 maps offer An Islanders Double Top Secret Ideas to enjoy Hilton Head Island i.e. ~ one of the fun spots to watch the Tuesday Night fireworks during the summer is at Broad Creek Marina on Marshland Road… away from the crowds of Shelter Cove.  

Get a free Map of the Top 10 COOL Things To Do!

These maps are all about fun.  In addition, these maps are excellent for anyone that needs a day off from the beach or for those that dream of living here someday.  They include great ideas and also include a full list of our latest greatest properties.  If you wish, you may also schedule an informative “tour and talk” with one of our knowledgeable staff.  It is very informative, low pressure and is a whole lot of fun while previewing some incredible properties.

Just give us a call or shoot us an e-mail for your free maps.

Please feel free to forward this e-mail to friends or family that you know will be visiting the Island so they can order a free map.  We hope to see you around the Island enjoying the map and having fun!

From the Gang,

Robbie Bunting & Jane Hyers

P.S.  ~ Above we have attached Latte Lou’s Great Places to Eat.  Lou has lived here for 29 years

Island Greetings….

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Greetings from Hilton Head Island, South Carolina!   

We appreciate the opportunity to introduce you to ourselves and the Low Country.  The natural beauty integrated with the small Island community, makes this a wonderful place to own property or live.  Our subtropical temperatures and over 200+ days of sunshine make this paradise.  

Our commitment is first class service.  We have recently found tremendous values in homes, home sites and villas for our buyer clients.  We have been helping others just like you research and find property on Hilton Head Island for over 22 years.  

Currently we are offering a free financial strategy session and MLS link to our buyer clients and invite you to take advantage of this offer.  Please call us or email anytime to participate.  By the way, we now offer a full time buyers agent that knows the Island better than anyone and loves touring the exciting properties newly listed.

Thank You.  We welcome your response. 

The Robbie Bunting Team


We love referrals…they help us grow!

Be the first to comment on this post Categories: Off Topic Hilton Head Area, Special Real Estate Opportunities

 During the years we have found that over 60% of our business is from referrals from clients just like you.  Through the years we have helped these referrals with rentals, the latest or greatest restaurant suggestions, tee times and in many cases we have helped them buy or sell property on Hilton Head Island (when they were ready). 

We would like to ask you for a favor and make an offer you cannot refuse!  If you will take a few minutes and email us a few names with their repective email addresses we will provide a closing gift for your next purchase or sale.

We will send out an email inviting you and your referrals to join our email club. This club will entitle the member to discount offers on oceanfront hotels, recommended Restaurant Lists, Monthly Drawings, Best Buys, Market Trends and free Island Advice(we are like a concierge/help on call whenever you need us, just email or call!)

Thank you for your continued trust & business J.  We appreciate the referrals!  

All the Best! 

Robbie Bunting and Jane Hyers 

800-932-3652 or 842-0805 

Copyright © 2021 Hilton Head Real Estate. All rights reserved. Disclaimer: All content on this blog is my own opinion and should not be treated as fact or relied upon when purchasing or selling real estate.
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