HOMEOWNERS INSURANCE

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

Tips to Saving Money on Your Homeowners Insurance

Today, everything seems to cost more, from gasoline, home costs, and even your homeowners insurance. In fact, homeowners insurance rates in the U.S. have doubled in the last 20 years and even though as a homeowner you can’t afford NOT to have it, there are tips to saving money on your homeowners insurance. Bundle your home and auto policies- Typically, when you bundle 2 or more policies under the same insurance carrier, you are eligible for a substantial discount. Choose a higher deductible- Consider the highest deductible you could possible absorb “out of pocket” if a covered loss happened. If you choose a higher deductible, it could mean significant savings. Let your local N.C. independent [...]

Tips to Saving Money on Your Homeowners Insurance2018-08-11T07:39:36-05:00

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?

Owning a home means insects, animals, rodents, or vermin may take up residence in your home rent free, causing damages that could be extensive. Ants, bees, raccoons, mice and many other “uninvited” creatures are always looking for entry into a place that is warm and protected and this place may be YOUR home, but does your homeowners insurance cover damage caused from animals and pests? Pesky Problems Imagine lying in bed one night and hearing scratching and squeaking noises in the wall next to your bed. Eyes wide open, you are terrified to discover there are mice living in your wall. You start investigating to find some electrical wires that appear to be gnawed upon [...]

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?2018-05-07T09:18:06-05:00

Are Your Valuables Covered?

Receiving a gift of jewelry or being handed down a rare coin collection from your uncle is priceless; however, if something happens to these valuable pieces, from theft or loss, you could be left with a costly price tag if you don’t have the right type of coverage to protect your valuables. Are your valuables covered? This Happens All the Time You go on vacation, but decide to leave your irreplaceable, expensive jewelry pieces at home because you are afraid of either losing them or having them stolen. When you return home, you find that your home has been broken into, ransacked, and ALL of your jewelry stolen! Your diamond anniversary ring, grandmother’s emerald necklace, [...]

Are Your Valuables Covered?2018-05-04T06:48:34-05:00

Safety Tips to Prevent Clothes Dryer Fires

House fires happen all the time, and the origin of many home fires is due to clothes dryers. The fire can ignite due to clothing, lint, wire, cable insulation, fibers or the dryer drive belt, resulting in catastrophic damages to homes in the U.S. In fact, thousands of home clothes dryer fires are reported each year, causing an estimated 29 deaths, 400 injuries, and over $190 million in property loss. Don’t become a statistic; before you turn on your clothes dryer in your home, know some safety tips to prevent clothes dryer fires. Don’t Let This Happen to You Before leaving your house, you decide to go ahead and throw the wet clothes from your [...]

Safety Tips to Prevent Clothes Dryer Fires2018-02-28T06:51:12-05:00

Some Safety Tips to Help Safeguard Your Home from Burglary

Home break-ins happen all too frequently, leaving the homeowner violated and robbed of some valuable personal items. Statistically, there is a home break-in about every 15 seconds, which is astounding and quite costly. Just as quick as a burglar can break in, they can steal and get out in a matter of minutes. Being aware of some safety tips to help safeguard your home from burglary can help protect you, your home, and your valuables. If You Become a Victim If you do become a victim to a home intrusion, you need to have the right type of N.C. homeowners insurance protection in place, or you may be left in a financial predicament. If you [...]

Some Safety Tips to Help Safeguard Your Home from Burglary2018-02-28T06:46:14-05:00
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