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Tom Wiecek is your local Dave Ramsey ELP Endorsed Insurance ProviderTom's Blog

"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 to Protect Your Vacant Home

How to Protect Your Vacant Home Having N.C. homeowners insurance to protect your home isn’t as simple as it might seem. Your policy includes provisions, conditions, and exclusions that can affect your coverage. Many people don’t realize that leaving a home for an extended period could compromise their homeowners insurance coverage. According to the National Association of Insurance Commissioners (NAIC), your home may count as vacant if it remains unoccupied for 60 days or more. Because standard N.C. homeowners policies include a vacancy exclusion, leaving your home vacant might lead to a coverage denial if you experience a loss. Do you know how to protect your vacant home if you need to leave for an extended period? [...]

How to Protect Your Vacant Home2024-11-15T09:33:25-05:00

Issues Frequently Associated with Insuring Older Homes

Issues Frequently Associated with Insuring Older Homes Finding your dream home might mean visiting many properties to find the one that best fits your personality and taste. After all, this may be your biggest investment yet. If you’re drawn to the charm of older homes, you’ll need to consider certain factors when looking for homeowners insurance. While insurance for older homes isn’t always more expensive, some common issues may lead to higher N.C. insurance rates. Key Issues to Address Before Insuring an Older Home Outdated Plumbing - Galvanized steel pipes, often found in older homes, can lead to issues such as flooding and leaking. These pipes are prone to rust and deterioration, so they may [...]

Issues Frequently Associated with Insuring Older Homes2024-11-15T09:14:09-05:00

Why Special Event & Wedding Insurance is Essential for Your Big Day

Why You May Need Special Event or Wedding Insurance Special events happen all the time, so whether you’re getting married, hosting an engagement party, or celebrating a friend’s retirement at a special venue, it’s essential to be prepared. Planning these events requires a lot of time, money, and commitment. While everyone hopes for a picture-perfect celebration, things can go awry. Having the right protection in place can make all the difference. Fortunately, special event and wedding insurance can provide that protection. If you’re planning an event, read on to find out why you should consider this insurance before the big day. Wedding Woes Imagine that your daughter, after years of engagement, is finally getting married, [...]

Why Special Event & Wedding Insurance is Essential for Your Big Day2024-11-07T14:30:37-05:00

Understanding ‘Ceded’ N.C. Auto Liability Insurance: What It Means and How to Respond

If You Receive Notice That Your N.C. Auto Liability Insurance is Ceded, Will You Know What It Means? If you own or operate a vehicle in North Carolina, you are required to carry auto liability insurance. While this may sound straightforward, it can be more challenging than expected. A poor driving record with multiple accidents or violations can create obstacles to obtaining or maintaining N.C. auto insurance. A tarnished driving record may lead an insurer to cede your auto liability insurance. But if you receive notice that your N.C. auto liability insurance is ceded, will you know what it means? In most cases, auto insurance coverage cannot be denied. However, if your insurer determines that [...]

Understanding ‘Ceded’ N.C. Auto Liability Insurance: What It Means and How to Respond2024-11-07T10:49:43-05:00

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage Running a business offers many perks, but it also comes with challenges that could jeopardize your financial stability if you don’t have the right N.C. business insurance. Damage to your building may require repairs or replacement, and this is where obstacles can arise. Your idea of repairing or replacing might differ from what the government or local ordinances require. Here are some common reasons why you may need to invest in Ordinance or Law Insurance Coverage. Despite your best precautions, losses can still occur, so preparing for property damage strengthens your ability to protect your business and financial assets. Whether your building is damaged by [...]

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage2024-10-11T15:41:43-05:00

Some Inexpensive Ways to Prevent Your Home from Being Burglarized

Some Inexpensive Ways to Prevent Your Home from Being Burglarized Home burglary is a quick way for criminals to steal cash, jewelry, televisions, and computers, with break-ins occurring approximately every 15 seconds. Will your home be the next target, or have you invested in inexpensive ways to protect your home from being burglarized? A break-in violates your sense of security, threatening your safety in a place where you should feel protected. Beyond that, imagine the feeling of discovering that your personal, cherished belongings have been stolen. What Burglars Don’t Want You to Know Is your home being targeted without you knowing it? While you may not be able to completely prevent a home break-in, you [...]

Some Inexpensive Ways to Prevent Your Home from Being Burglarized2024-09-27T09:40:21-05:00

What You May Not Know About Insuring Your VRBO or Airbnb

What You May Not Know About Insuring Your VRBO or Airbnb If you rent your home or a room to others, you might think your N.C. homeowners insurance policy provides enough property and liability coverage. However, what many don’t realize is that N.C. homeowners insurance often excludes coverage for vacation rental activities. Before you continue renting out your property, it's important to review your N.C. policy’s provisions, conditions, and exclusions, and discuss your rental activities with a local N.C. independent insurance agent. Facing a coverage denial for something you thought was covered can be financially devastating, especially if you're left paying for damages out of pocket. Your independent insurance agent can help by reviewing what is covered [...]

What You May Not Know About Insuring Your VRBO or Airbnb2024-09-26T16:04:22-05:00

Helpful Tips to Avoid Uninsured/Underinsured Motorists

Helpful Tips to Avoid Uninsured/Underinsured Motorists Owning and operating a vehicle in North Carolina requires you to carry auto liability insurance, as mandated by the state. While this law sounds good in theory, the reality is different. Just because insurance is required doesn't mean every driver on the road is insured, or that those who are have adequate coverage. Here are some helpful tips to avoid the risks posed by uninsured and underinsured drivers. The Minimum Limits of Liability for North Carolina Drivers In North Carolina, the minimum required limits for auto insurance are 30/60/25. These limits are listed on the Declarations Page of your policy and indicate how much your insurance carrier is obligated to pay [...]

Helpful Tips to Avoid Uninsured/Underinsured Motorists2024-09-12T12:51:15-05:00

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium North Carolina requires vehicle owners to carry at least the state-mandated minimum limits of liability auto insurance. However, finding affordable coverage might be more challenging than expected due to your insurance score. Before shopping for the best N.C. auto insurance rate, it’s important to understand how your insurance score can affect your premium. What Is an Insurance Score vs. a Credit Score? Many people confuse these two terms, but they have distinct meanings. Both can impact your N.C. insurance premium rates, but an insurance score predicts the likelihood of future claims or accidents, assigning a risk factor to you. In contrast, a credit score reflects [...]

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium2024-09-12T12:12:13-05:00

Protect Your Business: Addressing Gaps in N.C. Contractors Insurance

Does Your N.C. Contractors Insurance Have a Gap? Spring and summer are popular seasons when contractors often find themselves flooded with jobs due to favorable weather and an improving economy. However, while plentiful job opportunities are welcome, they come with certain risks commonly associated with artisan contractors. Without the right type of N.C. contractors insurance, you could be financially exposed, potentially leaving you in a difficult situation. Does your N.C. contractors insurance have a gap that could threaten your business and reputation? As an artisan contractor, you work hard to meet job demands, survey potential projects, and organize work crews daily to satisfy your customers. But what happens when something goes wrong? Accidents and faulty workmanship can [...]

Protect Your Business: Addressing Gaps in N.C. Contractors Insurance2024-08-30T09:41:17-05:00
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