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Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy

I hope this story doesn't disturb you. I just think you should know what can happen. Too many insurance agents are afraid to share the real truth. Not me.I recommend a Personal Liability Umbrella for parents of teen drivers. Not many insurance agents do unfortunately. When I first became an insurance agent back in 1994, I helped a couple with their home and auto insurance. Fresh from insurance training, I followed everything I was taught to do and encouraged this couple to get the right protection for their specific needs which included a personal liability umbrella. They had an expensive home, nice cars and 2 young children... way too much on the line if something [...]

Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy2018-04-26T00:21:02-05:00

What Unmarried Couples Should Know About Car Insurance

Last week I shared the Potential Gaps in Homeowners Insurance for Unmarried Couples Living Together. Based on the number of questions and calls we received after that post, I realized I needed to quickly provide this follow up post on auto insurance. If you missed the previous post, be sure to check it out as soon as you finish reading this. As the number of unmarried couples living together continues to rise, more and more individuals may be unknowingly at risk for an uncovered claim or lawsuit. Either of these can be financially devastating. The typical North Carolina auto policy has specific language in it that can greatly affect unmarried couples living together and their [...]

What Unmarried Couples Should Know About Car Insurance2018-04-26T00:19:30-05:00

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together

According to US census data collected over the 50 years between 1950 and 2000, the number of unmarried couples living together has increased from 20% to 50% of households. Based on this trend, that number is expected to increase even higher when the 2010 census data is released. If you are in a living together and unmarried relationship, there are some potentially costly gaps in both your homeowners insurance and auto insurance policies. In this article, we'll focus on home insurance and in our next blog post, we'll cover the gaps in your auto insurance policy. Gaps in Personal Liability Insurance Most homeowners insurance policies in North Carolina provide liability insurance protection for the named [...]

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together2018-04-26T00:19:30-05:00

How Much Will a Flood Cost You? Find Out…

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 damage from flood is NOT covered by homeowners insurance. That's right. If your home is flooded, the cost to replace your belongings and repair the damage is coming out of your pocket [...]

How Much Will a Flood Cost You? Find Out…2018-04-26T00:22:32-05:00

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

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 told the truths about insuring a teen driver. I understand insurance is not the favorite topic of most. People just assume they are protected and after talking with hundreds of parents over the years, I’ve found many have no idea about their exposure to a lawsuit, what liability limits they carry, if they [...]

Why Don’t More Insurance Agents Tell Us The Whole Truth?2018-04-26T00:18:04-05:00

Holiday Travel Safety Tips

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. Here are some holiday travel safety tips. 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 for an emergency by packing a kit containing a blanket, flash light, matches, flares, bag of sand for traction, windshield scraper and brush, toolkit, bottled [...]

Holiday Travel Safety Tips2018-04-26T00:17:49-05:00

18 Tips For Preparing Your Home For Winter

Now would be a good time to take care of some basic chores to assure your home is ready for those wintry blasts. Here are 18 tips for preparing your home for winter... 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 outside spigots– Now is a good time to turn off water to your outside spigots, then [...]

18 Tips For Preparing Your Home For Winter2018-04-25T18:53:46-05:00

Fall Home Maintenance

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 neighbor's chimney. I quickly ran to their house to alert them of the danger. My neighbor came to the door and after [...]

Fall Home Maintenance2018-04-25T18:53:46-05:00

The Dirty Truth About Insurance Claims

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 the dirty truth about insurance claims… the good, bad and ugly. And since I work for you and I am not on the payroll of a single insurance [...]

The Dirty Truth About Insurance Claims2018-04-25T18:53:46-05:00

Is Your Life Covered?

The answer we often hear from folks when we ask "Is your life covered?" 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 and/or very expensive. Many health conditions arise as we age such as diabetes, heart conditions, cancer, high blood pressure, [...]

Is Your Life Covered?2018-04-25T18:55:39-05:00
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