Make Your Home More Burglar-Proof and Safe

Make Your Home More Burglar-Proof and Safe Home burglaries happen more often than most people want to think.  In fact, you may not imagine it happening to you, but what if it does?  There are ways to keep your family and home safe and while you can’t prevent a href="https://paramountinsurance.net/personal/north-carolina-homeowners-insurance-quote">home burglary, you can reduce the likelihood it will happen to you.  There are some pre-emptive measures you can take to make your home more burglar-proof and safer. In the U.S. there are over 3,000 break-ins each day.  By knowing this disturbing statistic, you may want to take action to get a step ahead of burglars who could be targeting your home right now.  Take a [...]

Make Your Home More Burglar-Proof and Safe2024-02-26T15:49:39-05:00

Earthquakes- Are you protected?

Earthquakes-Are You Protected? Unless you live in California or on the West Coast, you may not give a second thought to experiencing an earthquake, but maybe you should.  In August, North Carolina experienced an earthquake in Sparta of a magnitude of 5.2 and could be felt as far as 300 miles away.  Consider this your wakeup call.  Earthquakes can happen in any state and if it does, are you prepared for damages to your home/property that may ensue as a direct result? Does Your Homeowners Insurance Protection Include Damages from Earthquakes? A standard N.C. Homeowners Insurance Policy typically excludes coverage for damages from earthquakes but can be added by an endorsement for a nominal fee.  [...]

Earthquakes- Are you protected?2024-02-23T11:39:07-05:00

Fallen Trees and Homeowners Insurance

  The spring and summer months typically correlate with severe thunderstorms, but during any time of the year, severe weather conditions can pop up.  With fall approaching, wet weather can be expected and with winter, you can also expect ice, and snow that may result in fallen trees on your property.  As a result, you need to be familiar with your N.C. homeowners AND auto insurance policy, provisions, and conditions as to how it pertains to fallen trees and homeowners insurance coverage on your property. Key Considerations Pertaining to Fallen Trees and Homeowners Insurance First of all, you may have a preconceived notion of what your homeowners insurance covers if a tree falls on your [...]

Fallen Trees and Homeowners Insurance2024-02-23T10:59:15-05:00

Are Your Valuables Adequately Protected?

Valentine’s Day is fast approaching and that means you may be on the receiving or giving end of some beautiful jewelry pieces.  Your gifts of past and present are treasured and the thought of losing these pieces or having them stolen would be devastating. Your grandmothers pearl necklace, the emerald ring gifted to you by your spouse, or any other beloved valuable(s) you have are all meaningful and cherished.  Imagine something happening to these prized possessions and then ask yourself whether your valuables are adequately protected. True Story Nobody likes to consider the unimaginable, but it’s time you do!  Home break-ins happen all too often, leaving the victim(s) violated and threatened, not to mention heartbroken [...]

Are Your Valuables Adequately Protected?2021-02-08T13:16:42-05:00

Your Homeowners Insurance Rate and How it is Calculated

If you are a homeowner, you understand the importance of protecting your investment with the right type of homeowners insurance, but when you pay your homeowners premium, do you ever wonder how that amount was established?  Keep in mind that while many insurance companies may rate differently, they all have some common variables that you should know that may shed light on your N.C. homeowners insurance rate and how it is calculated. 7 Rating Factors That May Impact Your Homeowners Insurance Premium If you are already a homeowner or in the market to purchase a home, then you may be surprised to find that you may pay more or less on your insurance premium than [...]

Your Homeowners Insurance Rate and How it is Calculated2021-01-30T08:35:53-05:00

How Your N.C. Homeowners Insurance Covers a Total Loss of Your Home

You like to think of your home as your haven for safety, security and peace of mind, but what about when the unthinkable happens and your house is totally destroyed?  Being a homeowner comes with expected situations that may occur, such as roof damage or water damage, that may generate a standard homeowners insurance loss, but are you prepared to handle anything totally devastating such as losing your home?  Find out how your N.C. homeowners insurance covers a total loss of your home so that if it happens, you will be better equipped to handle it. Catastrophic incidents that destroy your home generate anguish and distress and can create a multitude of questions on how [...]

How Your N.C. Homeowners Insurance Covers a Total Loss of Your Home2019-05-28T22:51:56-05:00

How You Can Protect Your Identity

Identity theft in the U.S. continues to be a problematic issue with as many as 16.7 million people being victimized each year. The first step to avoid becoming a target is to realize how prevalent identity theft is and then take action to safeguard your personal information. Start your year off right by learning how you can protect your identity; after all, it’s the only one you have. Getting Victimized Can Be Costly When cleaning out your home to move, you threw out tons of paperwork including old bills, receipts, and mail from your home office in a concentrated effort not to move clutter from your current home to the new one. However, a month [...]

How You Can Protect Your Identity2019-05-28T23:09:09-05:00

Ensure Your Valuables Are Properly Protected

With Christmas behind us and Valentines Day quickly approaching, you may have received and/or will be receiving some beautiful and perhaps costly gifts. Adding to your inventory of new purchases or gifts means you should also take inventory of your N.C. homeowners coverage to ensure your valuables are properly protected. Don’t Let This Happen to You You woke up Christmas morning to a wonderful surprise! Your husband surprised you with an exquisite pearl necklace that you always wanted and you couldn’t be happier. However, the next day you and your family left town to visit family, leaving your necklace safe at home. When returning home, you realize that someone had broken in and stolen all [...]

Ensure Your Valuables Are Properly Protected2019-04-08T22:16:27-05:00

Potential Insurance Problems With Older Homes

When you begin that search for your perfect home, you may prefer looking at newer properties or perhaps, the old world charm of older homes, but if you prefer the latter, you may run into some issues with insuring it. Many insurance companies have enforced tighter underwriting restrictions for one simple reason. When it comes to having the right type of protection for what may be your biggest investment yet, you may find there are potential insurance problems with older homes because they pose a much higher risk of the frequency and severity of claims. Sealing the Deal May Not Be As Easy As You Think You spent 6 months searching for the house that [...]

Potential Insurance Problems With Older Homes2018-12-16T17:34:01-05:00

How to Insure Your Vacant Home

Leaving your home for an extended period of time may void your N.C. homeowners insurance coverage so you must be aware of the difference between your home being vacant versus unoccupied.  According to the National Association of Insurance Commissioners, your home may be considered “vacant” if unoccupied for 60 days or more.  The reason insurance companies have this type of stipulation/guideline  directly correlates to the higher increase in risk for a catastrophic loss to take place when nobody is there to observe or mitigate the claim(s) once it happens.  If your home is vacant, will you know how to insure your vacant home? The Difference Between Vacant and Unoccupied  There are some defining factors when [...]

How to Insure Your Vacant Home2018-12-03T09:59:30-05:00
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