HOMEOWNERS INSURANCE

Long-Term Care Insurance in North Carolina

Secure Your Future with Long-Term Care Insurance in North Carolina As we age, planning for the unexpected becomes increasingly important. One critical aspect of this planning is ensuring you have a safety net in place for long-term care. For residents of North Carolina, especially in High Point, Paramount Insurance Agency is here to guide you through the complexities of long-term care insurance. What is Long-Term Care Insurance? Long-term care insurance helps cover the cost of care that isn't typically included in health insurance, Medicare, or Medicaid. This includes assistance with daily activities like bathing, dressing, eating, and mobility. Whether care is needed at home, in an assisted living facility, or a nursing home, long-term care [...]

Long-Term Care Insurance in North Carolina2024-12-18T15:58:28-05:00

Liability and Your Homeowners Policy: Hosting Holiday Parties Safely

Liability and Your Homeowners Policy: Hosting Holiday Parties Safely The holiday season is a time for celebration, gathering with family and friends, and creating cherished memories. However, if you’re planning to host a holiday party in your home, it’s important to understand how your homeowners policy in North Carolina relates to potential liabilities. As joyous as the festivities may be, accidents and mishaps can happen, and you want to be prepared. What Does Homeowners Insurance Cover? Homeowners insurance typically includes liability coverage, which protects you if someone is injured on your property or if you’re held responsible for damages to someone else’s property. This can extend to incidents that may occur during a holiday party, [...]

Liability and Your Homeowners Policy: Hosting Holiday Parties Safely2024-12-13T08:48:51-05:00

Prepare Your Home for Winter with the Right Homeowners Insurance

Prepare Your Home for Winter with the Right Homeowners Insurance in North Carolina Winter can be a beautiful season in North Carolina, but it also brings unique challenges for homeowners. Freezing temperatures and potential snowstorms make it essential to prepare your home for the cold months ahead. Beyond physical preparation, updating your homeowners insurance policy ensures your home is protected against winter-related risks. Winterizing Your Home Take proactive steps to reduce the chance of winter damage: Inspect Your Roof and Gutters: Clear out debris and ensure your roof is ready to handle ice and snow. Check Your Heating System: Have your HVAC system serviced to confirm it works efficiently before the cold arrives. Seal Doors [...]

Prepare Your Home for Winter with the Right Homeowners Insurance2024-12-13T08:45:45-05:00

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

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

Your Flood Risk Is on the Rise

Your Flood Risk Is on the Rise You might think that living inland means you don't need to worry about flood damage, but that's a misconception. Over 25% of flood claims come from homes in low-to-moderate flood risk areas. No matter where you live, your flood risk is increasing. Protect your home with flood insurance; without the right coverage, flooding could damage your home and deplete your finances.   Don’t Get Financially Soaked North Carolina frequently experiences severe weather, including hurricanes, tornadoes, and violent storms. However, many people are unaware that flooding can happen anywhere, even if you live far from the water. Without proper insurance for flood damages, you could face significant financial losses. [...]

Your Flood Risk Is on the Rise2024-08-15T10:24:41-05:00

Power Outage Preparation 

Power Outage Preparation  Regardless of the time of year, power outages happen. Whether it's severe thunderstorms and wind in the summer, or snow and ice in the winter, trees and utility lines can fall, putting us all in the dark. While inconvenient, it's a good idea to follow power outage preparation steps to ensure safety until your power is restored. With hurricane season upon us, it is common to experience high winds and torrential rains, which can lead to power outages lasting a few hours, days, or even weeks. Because Mother Nature is unpredictable, it is recommended to plan ahead for worst-case scenarios by following some basic guidelines:  Gas Up-  Before the power goes out [...]

Power Outage Preparation 2024-07-16T15:25:48-05:00

How a Consent to Rate Letter Affects You 

How a Consent to Rate Letter Affects You  Perhaps you have heard of a Consent to Rate form, but never paid much attention to what it involves, until NOW.  You just received one in the mail and now you NEED to know how it pertains to you.  Find out how a Consent to Rate Letter affects you and what you need to do should you receive it.   First of all, you need to know what a Consent to Rate Letter is before you can know how it may impact you and your N.C. homeowners and auto insurance premium rate.  The N.C. Insurance Commissioner endorses rates for both homeowners and auto insurance policies for the state of North Carolina, [...]

How a Consent to Rate Letter Affects You 2024-05-30T07:28:05-05:00
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