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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

What You Should Know About Your Homeowners Insurance Limits

Buying a house may be the biggest investment you will ever make. Once you move in, the house isn’t just a house anymore; it’s a HOME! Protecting your home and its contents is crucial because large losses can cause financial wreckage. Insurance protection is a broad topic and can be confusing, leaving you wondering just how much insurance protection is necessary. Find out what you should know about your homeowners insurance limits and how it applies to your home and it’s contents. What is a Policy Limit? The amount of coverage you have acquired under your standard N.C. homeowners policy is referred to as policy limit or limit of coverage. This is the maximum amount [...]

What You Should Know About Your Homeowners Insurance Limits2018-04-26T00:43:31-05:00

Insuring Your Valuable Items

You just wrapped up the holidays and ended up with some pretty nice gifts! That designer necklace must have cost a fortune as well as that rare coin collection you just inherited from your grandfather. Would you be able to replace these valuable personal items if a loss occurred such as theft, fire, or mysterious disappearance?  Insuring your valuable items is of utmost importance and following these guidelines will allow you to sit back and relax, knowing your valuables are protected! Protect Your Personal Property with an Endorsement A standard N.C. homeowners policy provides a broad coverage for personal property to include personal items such as furniture, clothing, and appliances; however certain items are only [...]

Insuring Your Valuable Items2018-04-26T00:43:20-05:00

10 Easy Ways to Protect Yourself from Identity Theft

Identity theft is becoming a huge business. Believe it or not, identity theft strikes over 12 million Americans per year and can cost thousands of dollars per victim. While these facts are alarming, there is a sense of comfort knowing there are 10 easy ways to protect yourself from identity theft! Utilize STRONG passwords. The more complicated a password is, the harder it will be for a hacker to crack. Using a variety of upper and lower case letters, number, and symbols will increase your safety. Use smart PIN #s on your smartphone. Try NOT to use PIN codes such as 1234 or 1111 since those are most commonly used and always have your phone [...]

10 Easy Ways to Protect Yourself from Identity Theft2018-04-26T00:43:04-05:00

What to Do if Your Car is a Total Loss

Each and every time you get into your vehicle, there is a chance you may be involved in an auto accident. Regardless of the cause of the accident, you may have a car that is totaled. If a vehicle’s cost of repair plus its salvage value exceeds the vehicle’s actual cash value (ACV), it is typically declared a total loss. Will you know what to do if your car is a total loss? How is ACV Calculated?  There are several things you need to know when determining whether your car is a total loss. First of all, you will need to establish the ACV (actual cash value) of the vehicle at the time of the [...]

What to Do if Your Car is a Total Loss2018-04-26T00:42:57-05:00

Insurance Loss Control Survey and Inspection

If your phone rings and the voice on the other end states he/she is a representative of your commercial insurance carrier and would like to schedule an insurance loss control survey and inspection at your North Carolina business, the best thing you can do is open the door to your business wide open. What is a Loss Control Survey?  A loss control survey and inspection is an individual assessment at your business to evaluate possible hazards (fire hazards, water leaks, etc.) that may negatively impact your business operations or harm your employees. The overall goal of this inspection is to create a safe working environment and prevent future losses from happening. Your North Carolina commercial [...]

Insurance Loss Control Survey and Inspection2017-10-11T23:53:00-05:00

Insurance Coverage for College Students

You can hit the snooze button for some of your classes, but not this one! Before you go off to college, there are some interesting things you need to know regarding insurance coverage for college students. This is one class you won’t want to miss. Thinking about your parent’s homeowners insurance policy is not on the forefront of your mind right now as you prepare for college; however there are things you need to know. The good news is that if you meet the following criteria, you are covered under your parent’s N.C. homeowners policy: Under the age of 24 Enrolled in school full-time Resident of the household before moving to college Your parent’s policy [...]

Insurance Coverage for College Students2018-04-26T00:42:49-05:00

Common Questions for N.C. Assigned Risk Services for Customers

Assigned risk insurance is provided for a group of people who have been denied liability insurance coverage for various reasons, yet are required by law to carry insurance. The government then assigns them to insurance companies who will provide liability insurance or Workers Compensation for a rate higher than the conventional rate. There are a multitude of common questions for N.C. assigned risk services for customers that will be addressed. How is Your Premium Determined? Your premium will depend on many factors such as rates, payroll expenditures and experience modification factors. Keep in mind that the quote given is considered to be an estimate and your actual premium may differ. What is Experience Modification Factor? [...]

Common Questions for N.C. Assigned Risk Services for Customers2018-04-26T00:42:30-05:00

The Importance of Keeping Your Insurance Agent Informed

Typically when there are changes in your life, your first thought may not include telling your agent; however, certain situations do require that your insurance agent be informed. When things get hectic in your life and you begin to make switches, you may forget to think about each detail regarding protection of these life changes. In order to remain adequately protected, you need to realize the importance of keeping your insurance agent informed. Some Common Situations That Your Insurance Agent Needs to Know: A Change in Mortgage or Lender This is one of the biggest mistakes that customers make. Assume that you are involved in an accident and a claim payment is being issued. The [...]

The Importance of Keeping Your Insurance Agent Informed2018-04-26T00:42:20-05:00

Guidelines to Promote Email and Internet Security

In the cyber world in which we live, email is a crucial part of our business day, so it is easy for us to just assume it is safe. However, think about it…all it takes is one click of the mouse for a heap of trouble to occur. One tiny click on a link or advertisement could mean a virus being spread to everyone on your contact list at work. The second each of these people opens this email, it can spread the virus to all of THEIR contacts, creating a huge domino effect! In a matter of minutes, the entire business working system could be infected and rendered inoperable, resulting in a system shutdown [...]

Guidelines to Promote Email and Internet Security2018-04-26T00:40:53-05:00

Tips on How to Prevent Credit Card Skimming

Whether you are going out to dinner, getting gas or on a relaxing vacation, you typically don’t think about having your credit card information compromised, but you should! Today’s digital world is filled with scammers who spend their days focusing primarily on stealing credit card information through the process known as “skimming.” Imagine going to a nice dinner, only to find out later that money was withdrawn from your account! You are completely shocked to find out your card has been skimmed. There are some simple tips on how to prevent credit card skimming. What is Skimming? Let’s begin by explaining what “skimming” is and how it is used. The more you know, the better [...]

Tips on How to Prevent Credit Card Skimming2018-04-26T00:40:45-05:00
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