HOMEOWNERS INSURANCE

Fall Maintenance for Homeowners

It is hard to believe fall is upon us already, but soon the leaves and the temperatures outside will be falling and NOW is the time to take measures to inspect your home for any issues that may cause damage during the next few months. Taking extra precautions doesn’t prevent bad situations from happening, but can surely help to minimize them when they do. Learn tips on fall maintenance for homeowners, so you can just enjoy the upcoming changing season. Below Are Some of the Main Areas to Check Off Your Fall Maintenance List, but Not Limited to: Inspect Your Roof - When inspecting the roof, look for missing or damaged shingles, decomposed flashing, and/or [...]

Fall Maintenance for Homeowners2017-10-11T22:55:36-05:00

The Differences Between HO3 and HE7/21 Home Insurance Policies

Picking out the home of your dreams is exciting, but finding the right insurance protection for your dream home may feel more like a nightmare if you don’t know much about home insurance policies. Your home investment may be your biggest investment yet, so the insurance needs to be custom built to meet all of your home needs, within a budget you can afford. Learning the differences between  HO3 and HE7/21 home insurance policies is a step in the right direction towards having the home protection you deserve. The Coverage of Your N.C. Home Insurance Policy Matters When you are insuring your dream home, you may think a bare-boned insurance policy is adequate, without considering [...]

The Differences Between HO3 and HE7/21 Home Insurance Policies2017-10-11T22:37:00-05:00

Insurance Needs for Remodeling Your Home

For years, you have thought about remodeling your kitchen or bathrooms, but the expense of it has held you back. But after saving money for years, you are ready to begin that remodel in your home and can’t wait to get started; But hold on before you begin that renovation. BEFORE you do anything, you must contact your local N.C. independent insurance agent to review your insurance policy and anticipated changes in insurance needs for remodeling your home. Don’t Wait Until it’s Too Late There is a lot of work involved in planning any home remodel, whether it is an addition, renovation, or a complete transformation, but there are many things you need to tie [...]

Insurance Needs for Remodeling Your Home2017-10-11T22:34:36-05:00

What You Should Know About Fallen Trees and Your Homeowners Insurance

It’s that time of year when sunny skies can turn black in a matter of minutes and suddenly you are in the midst of a severe thunderstorm. Spring and summer are the most common times when storms can pop up quickly and without warning, trees can come crashing down on your property, car, or your neighbor’s home. Before the storm hits, there are things you should know about fallen trees and your homeowners insurance. The question of whether homeowners insurance policy provides coverage for fallen trees comes up every spring and summer, so keep in mind there are a multitude of factors to consider when determining whether coverage would apply. Below are some of the [...]

What You Should Know About Fallen Trees and Your Homeowners Insurance2017-10-11T22:11:52-05:00

How to Protect Your Investment with the Right Homeowners Insurance

Your home may be your biggest investment; therefore isn’t it worth protecting? While you may think the answer to this is an obvious “yes”, you may not know how to go about finding the best protection. Knowing how to protect your investment with the right homeowners insurance is just as important as the day you chose to invest in the home of your dreams. The “Right” Insurance is the Insurance Policy That Fits YOUR Needs There is no such thing as a “one size fits all” homeowners insurance policy that offers great protection for all homeowners, so what may be just right for you may be entirely different than the next homeowner. That is why [...]

How to Protect Your Investment with the Right Homeowners Insurance2017-10-11T21:37:36-05:00

The 5 Most Common Homeowners Insurance Mistakes

The standard N.C. homeowners insurance policy is complex, with many different coverage options, exclusions, and add on endorsements, so knowing how it applies to your needs is beneficial should a loss occur. As a homeowner, you need the right kind of insurance protection that suits your home and budget; however many homeowners make mistakes that end up being costly. Knowing the 5 most common homeowners insurance mistakes may mean the difference in not having the coverage you need when you need the coverage the most. Below Are the Most Commonly Made Mistakes When Purchasing Homeowners Insurance: Failing to do your homework- Cheaper does NOT mean better. Do your homework before simply purchasing a homeowners policy [...]

The 5 Most Common Homeowners Insurance Mistakes2017-10-11T21:15:22-05:00

What You Need to Know About Water Damage Losses and How to Prevent Them

While water may be considered an essential aspect of your life, it can also be devastating when your home experiences a water damage loss. The devastation can be catastrophic, costing thousands to recover and weeks/months to repair. Find out what you need to know about water damage losses and how to prevent them. Tips to Help Protect Your Home from Water Damage • Routinely check for any possible signs of water leakage. Checking around hoses, water connections, or appliances such as dishwashers, washing machines, or hot water heaters is a great preemptive maintenance approach. If you notice water stains, standing water, or any signs of rotting wood, immediately take further action. • Check your water [...]

What You Need to Know About Water Damage Losses and How to Prevent Them2017-10-11T20:45:17-05:00

How to Prevent Electrical Related Injuries in Your Home

Many injuries, due to electricity-based incidents, occur every day and some even result in death. Whether in your home or workplace, things like outlets, cords, switches, or appliances surround you and may pose a hazardous threat especially if you aren’t aware of appropriate safety measures that will help maintain safety for you and others. Find out how to prevent electrical related injuries in your home so that you and others can remain safe. Below Are Some Tips to Promote Safety in Your Home, but Not Limited to: Keep items such as hairdryers or appliances with cords out of the bathroom. These non-essential objects should never be used near bathtubs or sinks that are filled with [...]

How to Prevent Electrical Related Injuries in Your Home2017-10-11T20:44:07-05:00

The Ugly Truth About Making Insurance Claims

The word “insurance” can mean lots of things to many different people with the meaning interpreted as either a positive or a negative. The truth is that “insurance” has BOTH positive and negative qualities, but sometimes the ugly truth about making insurance claims remains this dirty little secret and this secret needs to be exposed. Should You Turn in A Claim? Imagine being on vacation when someone vandalizes your car resulting in approximately $1500 worth of damages. You immediately notify your car insurance agent who advises that your deductible is $1000 and from there the claim is turned over to your auto insurance company for handling. Should you have turned in that claim given that [...]

The Ugly Truth About Making Insurance Claims2018-04-26T00:45:38-05:00

Tips to Protect Your Home

Your home is your place of happiness and peace, but when something goes wrong, that solidarity goes right out the window along with potential financial loss if you don’t have the right N.C. homeowners insurance. While nobody wishes to experience a homeowners insurance claim, inevitably it can and will happen, which is why you have a homeowners policy to begin with. While losses can’t be entirely avoided, knowing tips to protect your home from loss can reduce the risk. Make Routine Checkups on Your Home Appliances Replace A/C filter and furnace filter regularly Vacuum A/C returns and supply regularly Have A/C coils cleaned and perform routine checkups on entire unit(s) Cut back trees and shrubbery [...]

Tips to Protect Your Home2017-10-12T00:00:14-05:00
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