HOMEOWNERS INSURANCE

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 [...]

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 [...]

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 [...]

Owning a dog can be one of the most rewarding life experiences but what if while entertaining guests at your home, your dog bites somebody, inflicting very serious wounds to your neighbors arm? Subsequently, your neighbor has had several surgeries and incurred thousands of dollars in medical expenses. Knowing some basic dog bite prevention tips can help avoid a situation like this one. Approximately 1,000 U.S. Citizens Per Day Will Require Emergency Care for a Dog Bite Injury This is an alarming statistic, but the facts don’t lie. Additionally, more than half of all dog bites occur on the dog owner’s property, leading to a top contender for common homeowners liability claims. If you are [...]

Getting out of the house and onto your summer vacation is a lot of fun, but have you made your vacation checklist for your home? Before you leave on that much needed vacation, make sure you prepare your home for your absence so that your home remains safe, and your mind remains stress free. Take a Few Steps of Precaution Before You Walk Out of the Door While taking some necessary precautions won’t guarantee your home will remain safe while you are gone, it will increase the chances that something bad may be prevented. Below are just some of the precautions you need to check off before you head out: Ask Your Neighbor to Collect [...]

You have been dating for years now and finally, you both have decided to tie the knot! Plans are being made from all angles as you prepare for your new life together. Making decisions about the guest list, the reception venue, the flowers, the food, and the honeymoon can be exciting, yet the list can go on endlessly and become overwhelming. If you spend time and effort to make these decisions, it will all turn out like a fairytale and be a picture perfect wedding, right? Maybe, but what if it doesn’t? Will you be prepared? Wedding insurance: say, “yes!” Reception Nightmare Imagine if THIS happens to YOU! Your reception venue has been carefully chosen, [...]

If you are one of the million people who own valuable firearms in the United States, it would be safe to assume you need the right type of insurance protection that would endorse their value. Understanding the unique needs of those who own valued firearms is our business here at Paramount Insurance and we can provide the firearms insurance protection that best represents and protects your collection. Scheduled Personal Property Endorsement Most standard homeowners insurance policies and renters insurance policies include firearms as part of the personal property coverage (Coverage C) for household items. The standard N.C. homeowner policy provides coverage for 10% of Coverage C up to $10,000; however there are specific limitations on [...]

Anything can happen when it comes to water. Whether it is a hurricane, tidal wave, or torrential downpour, water can cause flooding but what if your sewer or sump pump backs up or your toilet overflows? Will your standard N.C. homeowners policy protect your home from the damages these things may cause? It is important to understand water damage basics when you purchase a N.C. homeowners insurance policy, so you will know what your coverage includes and excludes. Not All Water Losses Are Covered Under Your N.C. Homeowners Policy Even with an extended homeowners insurance policy, some losses caused by water still may not be covered so you need to know which ones are typically [...]