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HOMEOWNERS INSURANCE

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

Defining a Consent to Rate Letter

You may have received a letter from your insurance company if you are a North Carolina Homeowners Insurance policyholder and if you did, do you know what it means? Many homeowners are receiving this letter and you need to understand why you received it and what it means to you, as a N.C. homeowner. Keep in mind that this letter is a consent to rate letter and is hugely foretelling of what’s to come. Have you received a consent to rate letter? Hold On Before You Sign on the Dotted Line   Consent to rate letters are being sent out by insurance companies in large numbers to N.C. policyholders, but before you sign on the [...]

Defining a Consent to Rate Letter2018-11-26T09:36:07-05:00

The Importance of Proper Home and Auto Insurance Protection

You may hear a lot about homeowners and auto insurance, but most likely the main focus is on rates with little to no mention of the protection you are getting.  First of all, let me take a moment to THANK YOU for your business and trust in my team for allowing us to protect what is most important to you.  I would like to share with you the importance of proper home and auto insurance protection because without it, you could be exposed to many horrific situations that I have personally witnessed too many times. Being in the business for over 24 years, I have seen many people lose personal property, priceless photographs, and family [...]

The Importance of Proper Home and Auto Insurance Protection2018-11-13T10:25:26-05:00

Beware of Roofing Scams

Your roof is a crucial component of your home and if you have ever experienced a leaking roof, you know you must act quickly before the damages worsen, but if you are a homeowner that has been a victim of storm damages or just simply need a new roof, don’t fall victim to certain roofing scams that are becoming more prevalent. Before you open your door to the next salesman, beware of roofing scams that could be financially devastating and could leave your roof and wallet worse than before. Scammers Can Create Their Own Hurricane of Damages This type of scenario happens all the time. A hurricane hits a specified area producing catastrophic damages to [...]

Beware of Roofing Scams2018-10-14T15:22:05-05:00

7 Losses Usually Not Covered by Homeowners Insurance

When searching for homes to purchase, you most likely took the time to determine where you wanted to live, along with the amenities that each home offered, until you found one that fit your criteria.  However, when it came to choosing your homeowners insurance coverage, did you take the time to find the type of homeowners insurance coverage that fit your specific needs pertaining to your home and budget?  Not all homeowners policies are built the same.  If fact, there are 7 losses usually not covered by homeowners insurance, of which you may not be aware. A typical N.C. homeowners insurance policy has many policy provisions, conditions, and exclusions of which you need to be [...]

7 Losses Usually Not Covered by Homeowners Insurance2018-10-09T17:44:46-05:00

4 Important Homeowners Insurance Coverages You May Not Have

One thing you must know when you are looking for N.C. homeowners insurance coverage is that not all homeowners insurance policies are built the same. While many advertisers claim to have the cheapest price around, those cheaper policies may also leave you with the most coverage gaps in your coverage, potentially leaving you responsible for out of pocket expenses. Before you sign on the dotted line for your homeowners insurance, make sure you know 4 important homeowners insurance coverages you may not have, but should consider. Utility Line Insurance Coverage- If you experience a water/sewer pipe break that results in damages to your home, your typical N.C. homeowners insurance policy would exclude coverage for this; [...]

4 Important Homeowners Insurance Coverages You May Not Have2018-10-02T16:10:38-05:00