One of many people’s favorite things about the Christmas season is decorations, which include lights, trees, and plants and an increased risk of fire. There are several easy steps you can take to lessen your family’s risk of a disaster while keeping the holiday spirit alive in your home. For our fans of real Christmas Read More
Author: longinsurance
Benefits of the High Value Homeowners Policy
This post is going to be specific to the North Carolina Enhanced Homeowners policy, so if you are not in North Carolina I would speak with an agent licensed in your state to see if there is a similar policy available to you. What is an Enhanced Homeowners Policy? The enhanced homeowners policy (HE7/high value Read More
Homeowners Insurance Inflation Guard
Every year you get your homeowners renewal policy, you should notice a slight increase in your dwelling coverage amount. This coverage increase is because almost every homeowners policy has a built in inflation guard that increases your dwelling coverage a fixed percentage to keep up with the natural changes in the economy. However, there are Read More
Claim Prevention Tips
According to The Insurance Information Institute (III), approximately six percent of homeowners insurance policy holders and six percent of auto insurance policy holders file at least one claim each year. Insurance claims are not only an inconvenience to your daily life, but they can also affect your future insurance premiums. Sometimes these claims are an Read More
10 Winter Safety Tips
The arrival of Winter also means the arrival of freezing weather that can cause many risky situations, including freezing pipes, power outages, and dangerous driving conditions. Being prepared and cautious can help keep you and your love ones both safer and better prepared for dangerous winter events that may arise. Below are 10 winter safety Read More
10 Fall Home Maintenance Tips
The change from Summer to Fall brings cooler temperatures and is the perfect time to complete your seasonal home maintenance before Winter Sets in. Below are 10 ways to get your home Winter ready, so you have less to worry about during the holiday season. Home maintenance is also important to the longevity of the Read More
The Importance of a Home Inventory
Homeowners claims aren’t something we expect to happen, but unfortunately they do. Getting back to normal after a loss can be a difficult and stressful process. Finding somewhere for your family to stay, keeping in contact with your claims representative, organizing repairs, making a list of personal items that were damaged during the loss. It Read More
Flood Insurance 101
Flood: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder’s property) from outside water or mudflow Most home owners assume their standard homeowners policy will cover them in the event Read More
Amazon Smile
Did you know that if you’re an Amazon shopper, you can use the Amazon Smile program to have a percentage of your purchases donated to a charity of your choice? There are hundreds of charities to choose from and it is super easy. All you have to do is sign into your Amazon account at Read More
Auto Insurance 101
What Does Auto Insurance Do? How much do you know about your auto insurance policy? Most people know they need auto insurance, but aren’t aware of what coverages their policy actually includes. Auto insurance provides financial protection for certain events, such as an at fault accident, having your vehicle stolen, or hitting a deer. Some Read More