Toms Blog

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 [...]

Protecting your home from burglars and maintaining safety in your home is always important and many guidelines have been outlined this month to protect your home and your belongings from intruders. However, even if you follow the given guidelines of home security and safety, you could still be a victim leaving your home and valuables exposed to theft, loss or damage. Insuring your personal property (valuables) for replacement cost or agreed value will give you peace of mind that if your valuables are stolen, lost or damaged, you will be sufficiently compensated under your N.C. homeowners policy. Be aware that there may be coverage limitations on your valuables under your standard N.C. homeowners policy. While [...]

If you become a statistic and your home is broken into, will you have the right insurance coverage to replace all of the items stolen and property damaged? Your belongings are important to you and should be protected properly. There are low cost ways to protect your home from burglars, but if your home is victimized, it is important that you have the right insurance coverage under your N.C. homeowners insurance policy to cover all of your valuables/property that may be stolen or damaged. Additional Ways to Protect Your Home  Part two of this series provides an expansion of ways to deter the burglar and keep home security your priority. Below are some additional ways [...]

  Every 15 seconds, an American home is broken into; leaving that homeowner violated and deprived of their valuables. This is a scary statistic and should be taken seriously. According to the U.S Department of Justice, the average amount of stolen goods/property in one burglary totals about $2,000 but in many cases, is a lot more. The statistics are high, but there are low cost ways to protect your home from burglars. Helpful Tips to Keep Burglars Out Home safety is always important but when the economy gets bad, the rate of home intrusions goes up so it’s important to protect your home, family and the valuables in your home. Lock Your Doors and Windows [...]

Approximately every 15 seconds a home in the U.S. is being broken into and your home could be next! When burglars invade your home, there is a sense of violation that the homeowner feels. The break-in not only impacts your losing some valuables, but it violates your sense of safety and well-being. Let me tell you a true story, not to scare you but to inform you of the importance of protecting your home from burglars. What if This Happened to You? My neighbor, while away on a weekend trip, came home on Easter Sunday to learn that her home had been burglarized for the second time in four years. The first time, the intruders [...]

When you purchase your home, you may look at many different homes before deciding which one is just the right home for you and your family; but do you take the time to do the same thing when researching what type of homeowners insurance coverage you need? If you haven’t, you should! Being aware of the 5 most common homeowners insurance claims is your first step in the right direction when deciding on coverage options that offer the right protection for your home. Five Most Common Homeowners Insurance Claims Below are the 5 most common claims for homeowners with advice on how to avoid problems with each one. Water Water is the number 1 cause [...]