HOMEOWNERS INSURANCE

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

Dangerous Dog Breeds-Best Friends or Foes? 

Dangerous Dog Breeds-Best Friends or Foes?  Owning a dog can be very rewarding, but may come with its share of risks, especially if your dog bites someone.  Approximately 4.5 million people are victims of dog bites per year according to the Centers for Disease Control and Prevention.  Although your N.C. homeowner’s insurance typically provides liability coverage for dog bites, up to the acquired limits of liability, you may find yourself in a financial bind if you are the owner of a certain breed(s) deemed as “dangerous.”  Before you purchase or adopt a dog, you may want to reflect on what is considered to be “dangerous” dog breeds.  Some insurance carriers may refuse homeowners coverage for [...]

Dangerous Dog Breeds-Best Friends or Foes? 2024-05-28T10:25:19-05:00

Public Wi-Fi And the Dangers

Public Wi-Fi And the Dangers  In our world today, everything revolves around technology.  Whether in cars, grocery stores, restaurants or coffee shops, you'll find people staring at their phones or working on their computers. While there are many perks to this, there is also a significant downside.  Did you know that some of those people you may see on their laptops and/or phones may be trying to steal YOUR identity?  So, before you think about signing onto your computer, you need to know about public Wi-Fi and the dangers associated with it.  Free Wi-Fi May Cost You   The ability to work on phones and laptops from anywhere is an amazing feat, but the growing trend [...]

Public Wi-Fi And the Dangers2024-05-22T07:30:22-05:00

Some of the Most Common Homeowner’s Claims 

Some of the Most Common Homeowner’s Claims  Owning a home means you will inevitably encounter some type of homeowners claim, such as a plumbing issue, damaged property, or theft, to name a few.  Regardless of the unexpected situation, you will be faced with damage to your home or property, some of which can be quite costly.  Knowing some of the most common homeowners claims along with having the right homeowner’s insurance protection is essential to protecting perhaps your biggest investment.  Helpful Information to Prepare for the Common Homeowner’s Claims’  Knowing some of the most common homeowner's insurance claims won’t prevent them from happening but can help you prepare for those unexpected claims when they do. [...]

Some of the Most Common Homeowner’s Claims 2024-05-21T20:54:42-05:00

Does Your Home-Based Business Have the Right Insurance?

Does Your Home-Based Business Have the Right Insurance?  In today’s society, more and more people have set up shop in their own homes.  Operating your business from home certainly has its perks, but if an unfortunate situation or accident occurs, will you have adequate insurance protection for your business?  If you think your N.C. homeowners insurance policy provides necessary and adequate protection for your home-based business, you may need to think again.  Does your home-based business have the right insurance?  Imagine if This Happens at Your Home-Based Business  Imagine after being laid off from your job as a wood worker you decide to invest your entire savings in your own wood working business right there [...]

Does Your Home-Based Business Have the Right Insurance?2024-05-21T15:07:40-05:00

Insuring Lakefront Properties

Insuring Lakefront Properties Having a second home on the lake comes with its share of perks such as relaxation, boating, soaking in the sun, and spending time with family and friends.  However, there are risks involved when insuring lakefront properties that must be addressed in order to have the protection you deserve.  If you own another home or are in the market for a second home on the lake, it is recommended you address some specific concerns so that you can optimize the insurance protection along with your investment.  Considerations to Explore When Insuring Lakefront Properties  You love spending time at your second home on the lake, especially now and in the coming months, but [...]

Insuring Lakefront Properties2024-05-21T15:08:37-05:00
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