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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

Important Facts About Flood Coverage

Unfortunately flooding can happen to anyone, resulting in devastating, financial ruin to your home, regardless of where you live. However, most people think if they reside in an area not designated as a “flood zone” they are immune from flood disasters. Flooding does not discriminate so it’s vital you are aware of some important facts about flood coverage to ensure safety and protection of your home. Everyone Is at Risk   Imagine buying your dream home in an area that is clearly out of a flood zone, so the thought of purchasing flood insurance never entered your mind. However, a flood did ensue, causing astronomical damage to your home and after learning your N.C. homeowners [...]

Important Facts About Flood Coverage2018-05-04T06:31:29-05:00

3 Common Car Insurance Gaps

When you buy your car, you recognize the need for an auto insurance policy, but you may not be aware of some common situations that may arise that could you leave you in a hole. Once you understand 3 common car insurance gaps and discuss them with your N.C. independent insurance agent, you can rest assured that any potential gaps will be filled. If you currently own a car or have owned one in the past, most likely you have run into instances that can and do occur. Maybe you had a flat tire, dead battery, or a mechanical break down on the highway while traveling towards your vacation destination or job. Nonetheless, these incidents [...]

3 Common Car Insurance Gaps2018-05-04T06:28:49-05:00

Protect Your Business From Employee Claims

Running a business can be risky and often times may lead into allegations from an employee, a potential employee, or former employee regarding harassment, wrongful termination, and discrimination. This sort of topic has been on the forefront of all media and has raised awareness within businesses, employees, and human resources. Something as simple as a job interview with an applicant can turn sour if that applicant feels the interviewer is discriminatory during the interview process. No business wants or expects these types of situations to arise, but if your business is faced with a lawsuit, do you have the coverage in place to protect your business from employee claims? Employment Practices Liability Coverage (EPL)  Assume [...]

Protect Your Business From Employee Claims2018-02-28T06:52:55-05:00

Safety Tips to Prevent Clothes Dryer Fires

House fires happen all the time, and the origin of many home fires is due to clothes dryers. The fire can ignite due to clothing, lint, wire, cable insulation, fibers or the dryer drive belt, resulting in catastrophic damages to homes in the U.S. In fact, thousands of home clothes dryer fires are reported each year, causing an estimated 29 deaths, 400 injuries, and over $190 million in property loss. Don’t become a statistic; before you turn on your clothes dryer in your home, know some safety tips to prevent clothes dryer fires. Don’t Let This Happen to You Before leaving your house, you decide to go ahead and throw the wet clothes from your [...]

Safety Tips to Prevent Clothes Dryer Fires2018-02-28T06:51:12-05:00

IIHS Safest Cars in 2018

If you are in the market for a new car, you may look at the body style, color, or size when making a decision; but one of the biggest factors to consider is safety. Picking a vehicle that will protect you and your passengers is a huge consideration; so before you head out to purchase a new car, find out the list of IIHS safest cars for 2018. Raising the Bar  Art picture of crashed car The IIHS (Insurance Institute for Highway Safety) is raising the bar for the cars receiving Top Safety Pick and Top Safety Pick+ awards. In fact, only 15 cars received the Top Safety Pick+ Award, while 47 received [...]

IIHS Safest Cars in 20182018-02-28T06:48:40-05:00

Some Safety Tips to Help Safeguard Your Home from Burglary

Home break-ins happen all too frequently, leaving the homeowner violated and robbed of some valuable personal items. Statistically, there is a home break-in about every 15 seconds, which is astounding and quite costly. Just as quick as a burglar can break in, they can steal and get out in a matter of minutes. Being aware of some safety tips to help safeguard your home from burglary can help protect you, your home, and your valuables. If You Become a Victim If you do become a victim to a home intrusion, you need to have the right type of N.C. homeowners insurance protection in place, or you may be left in a financial predicament. If you [...]

Some Safety Tips to Help Safeguard Your Home from Burglary2018-02-28T06:46:14-05:00

What You Must Know About Insuring Your VRBO or Airbnb Rental

If you are a vacation rental owner and think that your current N.C. homeowners or condo insurance policy has you covered, think again! Chances are your vacation rental activities are excluded under your standard N.C. homeowners insurance policy. Before you rent out your home/vacation home to renters, find out what you must know about insuring your VRBO or Airbnb rental. Do Your Homework  If you rent your place out on Airbnb, you may want to do your homework regarding the wording on your homeowners/condo insurance policy to determine whether your insurance company allows vacation rentals under your policy. The wording may be coined as “business activity” and typically this is an exclusion. If you are [...]

What You Must Know About Insuring Your VRBO or Airbnb Rental2018-02-28T06:43:43-05:00

Excuses for NOT Buying Life Insurance

Nobody likes to think about dying and leaving loved ones who depend on you with a financial burden, but have you prepared for this scenario if something does happen to you? Buying life insurance may not be on your top list of “things to do”, but if you have family/loved ones who depend on you financially, maybe you should stop making excuses for NOT buying life insurance and go ahead and contact your N.C. independent insurance agency to push forward and make the plan for you and your family today. Some Common Excuses People Use  Too Costly- Some people may think that life insurance is costly, but it isn’t! There are so many choices available [...]

Excuses for NOT Buying Life Insurance2018-02-28T06:27:58-05:00

The Dangers of Using Public Wi-Fi

The promise of free Wi-Fi at most coffee shops, restaurants, bookstores, malls, and airports may seem like a perk at first, but is it? The thought of sipping your tea or coffee while reading or working on your mobile device sounds good until you decide to check your checking account balance and later find out you have been hacked and are now a victim of identity theft from cyber hackers.  Before you open your laptop at your local coffee shop, know the dangers of using public Wi-Fi. Using Public Wi-Fi Exposes You to Risk What exactly does a cyber stalker look like? The stereotype may be the person with dark sunglasses, looking around conspicuously, or [...]

The Dangers of Using Public Wi-Fi2018-04-26T00:40:11-05:00

Why Price is Not the Only Factor to Consider When Purchasing Commercial Insurance

Running a business involves juggling many different responsibilities in order to maintain optimal business operations; however, when it comes to protecting your business, do you only factor in price because it may save money on the front end? Protecting your livelihood goes deeper than the initial pay out costs and what may seem to save money in the beginning can lead to financial disaster in the end if you aren’t careful. Price is important, but you need to know why price is not the only factor to consider when purchasing commercial insurance. Other Variables to Consider While price does come into play, there are more factors to consider when you purchase commercial insurance for your [...]

Why Price is Not the Only Factor to Consider When Purchasing Commercial Insurance2018-02-28T06:09:35-05:00
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