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“Stay Alive” During the Holiday Season

“Stay Alive” During the Holiday Season The holiday season brings love, family time, travel, and parties. However, if you aren’t cautious, it can also bring stress and anxiety, especially if something unfortunate happens while traveling. With Christmas and New Year’s fast approaching, more people are on the road in their personal cars. The increase in traffic raises the likelihood of being involved in an auto accident. Despite the congestion, you can prepare and take steps to avoid accidents and “stay alive” during the holiday season. 5 Safety Measures for the Holiday Hustle Outfit Your Vehicle Planning your trip includes preparing your vehicle with essential items before hitting the road. Make sure you pack: A fully charged [...]

“Stay Alive” During the Holiday Season2024-11-21T16:13:55-05:00

If You Think Life Insurance Is Not for You, Think Again

If You Think Life Insurance Is Not for You, Think Again Living life means different things to different people. But if you are living life to the fullest, you also need to consider the future of your loved ones after you are gone. One way to provide for your family if something happens to you is by purchasing a N.C. life insurance policy. While life insurance might be uncomfortable to think about, it's important to ask yourself: if something happens to you, will your loved ones be able to continue their lives financially? One Life to Live You’ve probably heard a similar story: A father or husband suffers an unexpected heart attack without warning. He may [...]

If You Think Life Insurance Is Not for You, Think Again2024-11-21T15:23:47-05:00

Make Your Insurance Premiums Affordable by Controlling Your Losses

Make Your Insurance Premiums Affordable by Controlling Your Losses Running a successful business demands time, energy, and a commitment to protect your business with the right insurance coverage to address your unique challenges. Despite your best efforts, losses will occur at some point. But what happens if those losses become a trend? Not only can repeated losses threaten the financial stability you’ve worked hard to achieve, but they can also lead to insurance premiums that strain your budget. To avoid this, focus on controlling your losses and keeping your premiums affordable. Understand the Link Between Losses and Insurance Premiums Accidents are inevitable in business, which is why you invest in business insurance protection. However, if losses become a [...]

Make Your Insurance Premiums Affordable by Controlling Your Losses2024-11-21T14:52:13-05:00

How to Protect Your Vacant Home

How to Protect Your Vacant Home Having N.C. homeowners insurance to protect your home isn’t as simple as it might seem. Your policy includes provisions, conditions, and exclusions that can affect your coverage. Many people don’t realize that leaving a home for an extended period could compromise their homeowners insurance coverage. According to the National Association of Insurance Commissioners (NAIC), your home may count as vacant if it remains unoccupied for 60 days or more. Because standard N.C. homeowners policies include a vacancy exclusion, leaving your home vacant might lead to a coverage denial if you experience a loss. Do you know how to protect your vacant home if you need to leave for an extended period? [...]

How to Protect Your Vacant Home2024-11-15T09:33:25-05:00

Issues Frequently Associated with Insuring Older Homes

Issues Frequently Associated with Insuring Older Homes Finding your dream home might mean visiting many properties to find the one that best fits your personality and taste. After all, this may be your biggest investment yet. If you’re drawn to the charm of older homes, you’ll need to consider certain factors when looking for homeowners insurance. While insurance for older homes isn’t always more expensive, some common issues may lead to higher N.C. insurance rates. Key Issues to Address Before Insuring an Older Home Outdated Plumbing - Galvanized steel pipes, often found in older homes, can lead to issues such as flooding and leaking. These pipes are prone to rust and deterioration, so they may [...]

Issues Frequently Associated with Insuring Older Homes2024-11-15T09:14:09-05:00

Why Special Event & Wedding Insurance is Essential for Your Big Day

Why You May Need Special Event or Wedding Insurance Special events happen all the time, so whether you’re getting married, hosting an engagement party, or celebrating a friend’s retirement at a special venue, it’s essential to be prepared. Planning these events requires a lot of time, money, and commitment. While everyone hopes for a picture-perfect celebration, things can go awry. Having the right protection in place can make all the difference. Fortunately, special event and wedding insurance can provide that protection. If you’re planning an event, read on to find out why you should consider this insurance before the big day. Wedding Woes Imagine that your daughter, after years of engagement, is finally getting married, [...]

Why Special Event & Wedding Insurance is Essential for Your Big Day2024-11-07T14:30:37-05:00

Understanding ‘Ceded’ N.C. Auto Liability Insurance: What It Means and How to Respond

If You Receive Notice That Your N.C. Auto Liability Insurance is Ceded, Will You Know What It Means? If you own or operate a vehicle in North Carolina, you are required to carry auto liability insurance. While this may sound straightforward, it can be more challenging than expected. A poor driving record with multiple accidents or violations can create obstacles to obtaining or maintaining N.C. auto insurance. A tarnished driving record may lead an insurer to cede your auto liability insurance. But if you receive notice that your N.C. auto liability insurance is ceded, will you know what it means? In most cases, auto insurance coverage cannot be denied. However, if your insurer determines that [...]

Understanding ‘Ceded’ N.C. Auto Liability Insurance: What It Means and How to Respond2024-11-07T10:49:43-05:00

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage Running a business offers many perks, but it also comes with challenges that could jeopardize your financial stability if you don’t have the right N.C. business insurance. Damage to your building may require repairs or replacement, and this is where obstacles can arise. Your idea of repairing or replacing might differ from what the government or local ordinances require. Here are some common reasons why you may need to invest in Ordinance or Law Insurance Coverage. Despite your best precautions, losses can still occur, so preparing for property damage strengthens your ability to protect your business and financial assets. Whether your building is damaged by [...]

Common Reasons You May Need to Invest in Ordinance or Law Insurance Coverage2024-10-11T15:41:43-05:00

Some Inexpensive Ways to Prevent Your Home from Being Burglarized

Some Inexpensive Ways to Prevent Your Home from Being Burglarized Home burglary is a quick way for criminals to steal cash, jewelry, televisions, and computers, with break-ins occurring approximately every 15 seconds. Will your home be the next target, or have you invested in inexpensive ways to protect your home from being burglarized? A break-in violates your sense of security, threatening your safety in a place where you should feel protected. Beyond that, imagine the feeling of discovering that your personal, cherished belongings have been stolen. What Burglars Don’t Want You to Know Is your home being targeted without you knowing it? While you may not be able to completely prevent a home break-in, you [...]

Some Inexpensive Ways to Prevent Your Home from Being Burglarized2024-09-27T09:40:21-05:00

What You May Not Know About Insuring Your VRBO or Airbnb

What You May Not Know About Insuring Your VRBO or Airbnb If you rent your home or a room to others, you might think your N.C. homeowners insurance policy provides enough property and liability coverage. However, what many don’t realize is that N.C. homeowners insurance often excludes coverage for vacation rental activities. Before you continue renting out your property, it's important to review your N.C. policy’s provisions, conditions, and exclusions, and discuss your rental activities with a local N.C. independent insurance agent. Facing a coverage denial for something you thought was covered can be financially devastating, especially if you're left paying for damages out of pocket. Your independent insurance agent can help by reviewing what is covered [...]

What You May Not Know About Insuring Your VRBO or Airbnb2024-09-26T16:04:22-05:00
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