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 Read More
Category: Personal Insurance
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 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 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 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 Read More
Online Bill Pay Vs EFT Draft
Lately we have had several clients call with questions about their policies pending cancellation even though their policies are set up on automatic bill pay through their bank. Online bill pay is a feature almost all banks offer to their clients and has it’s own Read More
5 Things to Do When Buying or Selling a Car
Buying or selling a car means updating your insurance policy. This can be something a lot of people forget to do at times, but it’s a very important part of the process. If you’re buying a new vehicle: Call your local agent and ask them Read More
What Are Insurance Points?
What is the SDIP Program? North Carolina’s Safe Driving Incentive Plan aims to save lives by giving drivers a financial reason to drive safely. The SDIP assigns a point value to violations and accidents and the points will apply a monetary surcharge to drivers’ insurance Read More
Scheduling Items on Your Homeowners Policy: Should You Do It?
Scheduling items on your homeowners policy can give you peace of mind for those higher valued items you’ve purchased or items you may collect. Personal property coverage on your standard homeowners policy is a broad coverage that lumps all of your belongings into one value. Read More
Renters Insurance 101
Renters insurance policies are designed to protect the belongings and liability exposure of renters and their families. The policies are usually very affordable, but often forgotten or thought of as unnecessary. Approximately 40% of Americans rent their home and over 60% of those same individuals Read More