HOMEOWNERS INSURANCE

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]