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"That's Not Covered" are the Last Words You want to Hear. That's Why We Want to Help You Understand How You Are Protected and Not Protected. This Resource Can Help You Make Informed Insurance Buying Decisions So YOu Can Get the RIGHT Insurance Protection for Your Needs.

Tom Wiecek, President

How Your N.C. Homeowners Insurance Covers a Total Loss of Your Home

You like to think of your home as your haven for safety, security and peace of mind, but what about when the unthinkable happens and your house is totally destroyed?  Being a homeowner comes with expected situations that may occur, such as roof damage or water damage, that may generate a standard homeowners insurance loss, but are you prepared to handle anything totally devastating such as losing your home?  Find out how your N.C. homeowners insurance covers a total loss of your home so that if it happens, you will be better equipped to handle it. Catastrophic incidents that destroy your home generate anguish and distress and can create a multitude of questions on how [...]

How Your N.C. Homeowners Insurance Covers a Total Loss of Your Home2019-04-14T18:36:21-05:00

What an Insurance Score Means and How It May Affect You

Owning and operating a vehicle means you must carry liability auto insurance on that vehicle, as mandated by the state of North Carolina. However, when you are looking for an affordable insurance premium, you may be surprised to find your insurance quote is higher than expected, only to find out the reason is due to your insurance score. Find out what an insurance score means and how it may affect your insurance rate.  Insurance Score  An Insurance Score is a score designed to predict the likelihood of future accidents or claims filed based upon your credit report. You may hear the terms “insurance” score and “credit” score used similarly since they both impact your insurance [...]

What an Insurance Score Means and How It May Affect You2019-04-08T17:09:20-05:00


When Hurricane Florence hit the Carolinas in September 2018, the damages were catastrophic leaving many people without a roof over their head, so to speak. It doesn’t take much to remind those affected, that roofs are a front-line protector against severe weather and when a major hurricane hits, making sure your roof is strong enough to withstand strong winds, water, and hail is essential. In an effort to address this, North Carolina Insurance Underwriting Association (NCIUA) is introducing a pilot program that will offer up to $6,000 grants for new FORTIFIED Roofs to eligible homeowners living in the Outer Banks and Barrier islands. The FORTIFIED Roofs are designed to improve the strength and protection that [...]

NCIUA FORTIFIED Roof Program2019-04-08T22:40:30-05:00

What Happens When Your N.C. Car Insurance is Canceled for Non-Payment?

The state of North Carolina mandates all owners/operators of vehicles to have auto liability insurance, but what happens when your N.C. car insurance is canceled for non-payment? Not having car insurance, regardless of the reason, can be detrimental in many ways so finding out what you can do if your policy is canceled is monumental.      What a Canceled Policy Means If you receive notice that your insurance carrier is canceling your auto policy that means your policy is completely terminated at the stated date. When you initially sign on the dotted line for auto insurance, you are in a “binding” period for the first 2 months and your carrier can terminate your car insurance [...]

What Happens When Your N.C. Car Insurance is Canceled for Non-Payment?2019-04-08T22:36:54-05:00

The Drive Safe Act

If you haven’t heard of the Drive Safe Act, you may be either shocked or pleased to learn that a bill has been filed that would authorize 18-21 year olds to drive 18-wheelers professionally on the interstate, whereas now they must be 21. In most states, drivers can get their automobile drivers’ license at the age of 16, but the federal law states you must be 21 to drive a truck professionally. If the Drive Safe Act becomes a law, that will change. The Proposed Drive Safe Act  On February 26, 2019, The Drive Safe Act bill was introduced that, if passed, states drivers from 18-21 years old will be allowed to drive trucks professionally [...]

The Drive Safe Act2019-04-08T22:35:12-05:00

2019 IIHS Safest Cars

When it comes to finding the right car for your needs, you may consider a wide variety of options that are important, but is safety on your list? Each year the IIHS (Insurance Institute for Highway Safety) releases the names of those vehicles that received top honors regarding their safety so if you are currently in the market for a new car, you should become familiar with the honoree list of 2019 IIHS safest cars. And the Top Honors Go to: The top ranking for the safest autos falls into the category of IIHS Top Safety Pick+, with 30 vehicles making that top honor and 27 vehicles falling into the IIHS Top Safety Pick. Last [...]

2019 IIHS Safest Cars2019-03-18T10:26:09-05:00

How You Can Protect Yourself from Uninsured Motorist/Underinsured Motorist Drivers

North Carolina requires that every owner/operator of a vehicle have auto insurance; however, that doesn’t always guarantee the protection that you think you have. First of all, just because the state mandates auto liability insurance doesn’t mean that every person on the road has insurance and second of all, having the minimum insurance requirements may not be enough protection when you need it the most. Find out how you can protect yourself from Uninsured motorist/Underinsured motorist drivers. N.C. Minimum Limits of Liability   The North Carolina minimum limits of liability auto insurance are 30/60/25 which can be explained quite easily. The 30 represents $30,000 of Bodily Injury Coverage available for 1 person suffering injury, while 60 [...]

How You Can Protect Yourself from Uninsured Motorist/Underinsured Motorist Drivers2019-04-08T22:31:22-05:00

Find Out When Ordinance or Law Insurance Coverage is Critical

Owning any type of business property means you are assuming the risk that your property may eventually sustain damages of some type(s), by either fire or some other covered peril, and when it does happen, you need to be aware of some pertinent facts.  The damages may be so severe that you may need to restore or rebuild your damaged building; however, you may encounter some obstacles if aren’t aware of various government laws and/or ordinances that might govern repairs/restoration to your damaged building.  Find out when Ordinance or Law Insurance Coverage is critical. Imagine that you own an electric company that is severely damaged in a fire, resulting in substantial damages that require a [...]

Find Out When Ordinance or Law Insurance Coverage is Critical2019-04-08T22:29:17-05:00

How You Can Protect Your Identity

Identity theft in the U.S. continues to be a problematic issue with as many as 16.7 million people being victimized each year. The first step to avoid becoming a target is to realize how prevalent identity theft is and then take action to safeguard your personal information. Start your year off right by learning how you can protect your identity; after all, it’s the only one you have. Getting Victimized Can Be Costly When cleaning out your home to move, you threw out tons of paperwork including old bills, receipts, and mail from your home office in a concentrated effort not to move clutter from your current home to the new one. However, a month [...]

How You Can Protect Your Identity2019-04-08T22:26:22-05:00

What It Means When Your N.C. Auto Liability Insurance is Ceded

In North Carolina, you are required by law to carry auto liability insurance on any vehicle that you own/operate, but what if your driving record is tarnished with a history of several accidents? While nobody can be turned down for auto insurance coverage, (exceptions apply) your insurance carrier CAN decide to turn your policy over to the North Carolina Reinsurance Facility (NCRF). If you fail to pay your insurance premium or no longer have a valid drivers license, you can be turned away for coverage. If you receive notification, you will need to know what it means when your N.C. auto liability insurance is ceded. How Does NCRF Operate? Developed in 1973, the North Carolina [...]

What It Means When Your N.C. Auto Liability Insurance is Ceded2019-04-08T22:18:58-05:00