May 19, 2012

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How Much Will a Flood Cost You? Find Out…

March 13, 2012 By
nc flood insurance

New Interactive Tool Helps You Determine How Much Every Inch of Water In Your Home Will Cost You if You're Not Covered by Flood Insurance. It's spring time here in North Carolina. It's also the time of year when the weather brings unexpected disasters. Many storms begin to appear and flash flooding becomes a serious problem for many. The next 6 months are filled with the possibility of serious damage from flooding. As hurricane season approaches it gets worse. Hopefully, you know that … [Read more...]

Filed Under: Blogs

Smart Way to Save Money on Your Teen Driver’s Car Insurance

February 23, 2012 By
Click Here For a Free 16 Step Teach Your Teen To Drive Course

Every month, I have the pleasure of speaking to parents of teen drivers about their car insurance at our StreetSafe Teen Driving events. I give them the dirty truth that their insurance agents are afraid to share. Why? I don't know but at every event, I am asked why they weren't told some of the secrets I tell them. Insurance for teen drivers can be complicated and in fact, many insurance companies don't want to insure teen drivers. The truth is they present a huge liability due to the high … [Read more...]

Filed Under: Auto Insurance, Tom’s Blog Tagged With: , ,

FAQ- Should I Place My Teen Driver on a Separate Car Insurance Policy?

January 23, 2012 By
We are your teen driver insurance protection specialists

We are your teen driver insurance protection specialists This is a common question I get when speaking to parents of teen drivers about their car insurance. Unfortunately, many parents are advised to do this either from a friend or an insurance agent that doesn’t know what they are talking about. They think if they buy a separate policy for their teen driver, the rates for their other cars won’t go up. Yes, that part may be true, but the rate for the teen driver’s car goes way up … [Read more...]

Filed Under: Auto Insurance, Tom’s Blog Tagged With: ,

An Insurance Agent Who Is Fond of Preppers

December 9, 2011 By

I have a confession to make. I’m fond of preppers. I don’t question the reasoning behind their prepping. I’m just fond of their preparedness. Insurance and prepping share some similarties in that they both are constantly asking the question- what if the worst were to happen and am I prepared if it does? Whatever preppers are preparing for, they seem to have given their preparations a lot of thought. Preppers and Insurance agents have to think about everything that COULD go wrong and … [Read more...]

Filed Under: Blogs, Hayes' Blog Tagged With: , ,

Why Don’t More Insurance Agents Tell Us The Whole Truth?

November 14, 2011 By
PIA SS Car

That was the big question Judge Tom Jarrell and I got from parents attending the StreetSafe teen driving program this past Saturday. And frankly, I couldn't answer it. Every month when we speak to parents and explain the huge liability risk they now face with a teen driver, they are shocked to learn this but also very disappointed that they were never educated when they added their teen driver to their car insurance policy. I understand insurance is not the favorite topic of most. People just … [Read more...]

Filed Under: Auto Insurance, Blogs, Tom’s Blog Tagged With: , ,

Holiday Travel Safety Tips

November 10, 2011 By
dangerous driving conditions

Whether you're ready or not, the 2011 holiday season is fast approaching. Along with the holidays, winter weather will be here before you know it and many of us will be hitting the roads visiting friends and family. Now is the time to take extra precautions to assure safe driving this winter. Vehicle Maintenance- Check all of your fluids (anti-freeze, windshield washer, oil, power steering and brakes). Make sure you have good tread on your tires or consider mounting snow tires. Be prepared … [Read more...]

Filed Under: Auto Insurance, Blogs, Tom’s Blog

18 Tips For Preparing Your Home For Winter

November 1, 2011 By
winter preparation

Now would be a good time to take care of some basic chores to assure your home is ready for those wintry blasts. 1.Tune up your furnace and humidifier- Call in a professional to make sure that your furnace is working up to par; with the high price of natural gas and electricity, it wouldn't take much of an efficiency loss to justify that maintenance visit. And don't forget about the humidifier, or you'll be snapping your honey with static electricity all winter long. 2. Turn off water to … [Read more...]

Filed Under: Blogs, Homeowners Insurance, Tom’s Blog Tagged With: , ,

Fall Home Maintenance

October 19, 2011 By
Home insurance tips

Fall in North Carolina is certainly a beautiful time of the year. This is also the time of the year when we need to take extra measures to protect our homes to avoid damage. Of course, your homeowners insurance covers you for most causes of damage to your home but it makes good sense to take these simple steps to prevent something bad from happening in the first place. Fireplaces- Early one evening last fall while I left my house for a walk with my dog, I noticed flames coming out of a … [Read more...]

Filed Under: Blogs, Homeowners Insurance, Tom’s Blog Tagged With: , ,

The Dirty Truth About Insurance Claims

September 30, 2011 By
insurance-claim

Most likely, you will never hear another insurance agent share with you what I am about to share with you. Why? I really don’t know for sure. But I do know that most insurance agents won’t reveal the entire truth about our industry. Not me. I want you to know exactly how things work. I believe in insurance and I also want to make sure you understand how you can get the most out of your insurance protection. That’s why, as your insurance adviser, I will share truths like this… good, bad … [Read more...]

Filed Under: Blogs, Tom’s Blog Tagged With: , ,

Is Your Life Covered?

September 27, 2011 By
life insurance

The answer we often hear from folks when we ask this question is “Yes, I have life insurance from work”. That may be true, but is it enough and can you take it with you if you changed jobs or get laid off? Many times, people will tend to put buying life insurance off until it’s too late. By saying “too late” I don’t mean death. Of course that IS too late. In many cases, people wait too late in life and health issues come up making buying much needed life insurance very difficult … [Read more...]

Filed Under: Blogs, Life Insurance, Tom’s Blog Tagged With: , , ,
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