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Is Your Boat Properly Covered?

With spring and summer being right around the corner, you may be thinking of hopping on your jet ski or boat and enjoying lots of fun in the sun!  While the standard NC homeowners insurance policy may provide minimal coverage for your boat, it will NOT meet all of your boat coverage needs.  Is YOUR boat properly covered? YOUR boat, jet ski, or watercraft needs its very own policy to be properly covered; however, owning a boat brings a “boatload” of questions as to the many types of NC boat insurance that are available. What Are the Different Types of NC Boat Coverage? There are four basic types of coverage every standard NC boat policy [...]

Is Your Boat Properly Covered?2018-04-26T00:33:53-05:00

Is Your Business Protected From Cyber Attacks?

Technology is a wonderful convenience in the world today, but when it falls short, it can also be a total disaster! Like the majority of people today, you may rely heavily on technology to stay connected and informed; yet there are increased risks with the dependence on technology in your small business. Is your business protected from cyber attacks? What are Some Risks of Cyber Attacks? Credit card fraud Identity theft Embezzlement All of the above risks ARE being committed online and NO business is immune to identity theft, credit card fraud, and embezzlement, to name a few. Did you know that SMALL businesses are a prime target and that 40% of all cyber attacks [...]

Is Your Business Protected From Cyber Attacks?2018-04-26T00:33:15-05:00

What Does Consent to Rate Mean?

Have you received a consent to rate letter? If so, you are not alone if you are a North Carolina Homeowners Insurance policyholder. However, this is definitely one of those cases where ignorance is not bliss; this letter needs to be viewed as a foreshadowing of things to come. When a North Carolina Homeowner policyholder receives one of these letters, which are being mailed out by insurance companies at a large rate, they need to understand why they are getting this particular letter; it is not by mistake. Read between the lines Many North Carolina North Carolina Homeowners policyholders are getting consent to rate letters from their insurance companies. Many policyholders make the same mistake [...]

What Does Consent to Rate Mean?2018-04-26T00:32:00-05:00

Why Trust an Independent Insurance Agent With Your Protection

You have many choices on how you buy insurance but many people don't understand there are major differences in the types of agents offering insurance protection. You can buy insurance directly from an insurance company (big mistake), use a captive agent or an independent agent. Here's why you should trust an independent insurance agent with your protection. First of all, there are two different types of insurance agents. A Captive Agent is typically an employee of the insurance company they represent. You can recognize this type of agent because they offer insurance products from only one insurance company. An Independent Insurance Agent offers insurance products from multiple insurance companies and is not an employee of [...]

Why Trust an Independent Insurance Agent With Your Protection2018-04-26T00:30:30-05:00

Am I Covered If…

Insurance is very confusing. Policies are full of endorsements, exclusions and limits and most policy holders really don't know how they are covered until something bad happens. Understandably, we get a lot of "am I covered if.." questions. So, let me answer some of the most common questions we get. My neighbor’s tree falls on my fence? Your NC homeowners insurance will normally pay for damage to the fence and removal of the tree. However, if the tree or part of the tree was dead and you warned him that it was dead, your neighbor would become liable and their homeowners insurance should pay. My sewer line backed up into my house and damaged my [...]

Am I Covered If…2018-04-26T00:30:15-05:00

Tips for Driving Safely Around Tractor Trailers

One of the learning experiences young drivers get at the StreetSafe Teen Driving program is the awareness of how dangerous driving near tractor trailers is. Old Dominion Freight sends a driver and his truck to teach the teens how to avoid one of the most dangerous situations they can experience on the highway. Participants climb into the truck to realize just how little these drivers can see around their rig. No pun intended but it is a real “eye opener”! Here are some tips for driving safely around tractor trailers that I thought all drivers should be aware of. Stay Out of Truck Blind Spots or “No Zones”– Just as your car has blind spots, [...]

Tips for Driving Safely Around Tractor Trailers2020-03-24T23:39:08-05:00

Take the Time to Take a Home Inventory

So, can you list everything you own from memory? Do you have an itemized home inventory list? I didn’t think so. Very few people take the time to do this. The fact is most people own more things than they realize. It’s easy to remember the furniture stereo, computer, TV but what about every tool in the garage? Or every pair of pair of pants or shoes in your closet? For insurance purposes all of these items are considered personal property. And if your home is destroyed by fire, tornado or some other disaster, having a list of your possessions makes filing a homeowners insurance claim easier — and helps you put your life back [...]

Take the Time to Take a Home Inventory2020-11-24T21:38:28-05:00

How to Prepare for Flood Season

Flooding is inevitable. Every time it rains, there’s a possibility of flooding. You may think that you are living in an area free from flooding but this may turn out not to be the case. Flood can occur nearly everywhere in North Carolina. It is therefore important that you how to prepare for flood season in case you suffer from a flood emergency. A crucial point to note is that your renters or homeowners insurance doesn’t cover any damages caused by flooding. There are custom made insurance programs that we can discuss with you. You can contact us or email us for more information, especially if you live within North Carolina. How to prepare for [...]

How to Prepare for Flood Season2018-04-26T00:26:15-05:00

Common Causes of Boating Accidents

There’s no substitute for experience and education when it comes to boating safety. Having the knowledge and experience to know how to avoid or react to the most common causes of boating accidents can not only reduce damages but can prevent injuries or worse. In 2012, the US Coast Guard reported 4,515 accidents that involved 651 deaths, 3,000 injuries and $38 million in damages as a result of recreational boating accidents. Almost 71% of the fatalities, drowning was the cause of death and of those, 85% were not wearing a life jacket. Of these accidents, here are the top 10 causes… #1- Operator Inattention #2- Operator Inexperience #3- Improper Lookout #4- Machinery Failure #5- Excessive [...]

Common Causes of Boating Accidents2018-04-26T00:25:58-05:00

16 Dangerous Dog Breeds Banned by Homeowners Insurance Companies

This is Sadie, a rescued lab/collie mix. Before you bite the messenger, you should know that I am a dog lover and have experience with owning a dangerous breed dog. I’m also an insurance agent and know how risky and costly owning a dangerous dog can be. So, this is a tough subject for me to write about. My heart goes out to all dog owners, especially those that rescue dogs that need a loving home. However there’s no arguing the statistics that show the economic impact the dangerous dog breeds have on homeowners insurance losses. Before I share with you the 16 dangerous dog breeds banned by homeowners insurance companies, let [...]

16 Dangerous Dog Breeds Banned by Homeowners Insurance Companies2018-04-26T00:25:37-05:00
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