What is Subrogation?

Written By Charlotte Insurance on January 26, 2022. It has 0 comments.

subrogation Charlotte Insurance Blog

You’ve been told over and over again to make sure you read your insurance policy in full so you know exactly what’s covered. If not, you might be severely disappointed when you file a claim because you didn’t know what was and wasn’t covered. Now you’re reading the policy and come across a term that […]

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Home Insurance and Power Surges – What You Should Know

Written By Charlotte Insurance on December 7, 2021. It has 0 comments.

lightning hitting a home causing a power surge that's covered by home insurance

We’ve all been there. The storm outside gets worse, with lightning and thunder crashing all around you. You fear it might hit your home or cause a serious power surge. Oftentimes you get lucky and the storm passes without incident. But what happens if there’s a sudden power surge and your computer, appliances, or smart […]

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How to Use a Generator Safely

Written By Charlotte Insurance on September 14, 2021. It has 0 comments.

a generator being used safely in Charlotte, NC

After a storm, when the power is out, especially in summer, your home gets miserable fast. No cold A/C. Spoiled food. And no one can charge a phone or turn on a light. That’s why generators are growing in popularity with many homeowners. Once the power goes out, you can at least have a little […]

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“Other Structures” Coverage Explained

Written By Charlotte Insurance on August 18, 2021. It has 0 comments.

a shed that would be covered under a homeowners insurance policy's "other structures" coverage

You know your home and everything inside is protected by your home insurance under “dwelling” coverage. But what is “other structures” coverage and what exactly do you get with that coverage? Here’s what you need to know about this very important but often misunderstood part of your homeowners insurance policy. What is “Other Structures” Coverage? […]

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5 Common Sense Insurance Tips

Written By Charlotte Insurance on January 12, 2021. It has 0 comments.

a lightbulb signifying some common sense insurance tips

It’s never too late to learn more about your insurance coverages! Now that it’s the start of a new year, commit to learning a few insurance basics that will help you for years to come. Everyone Needs Insurance Every person needs to be covered by insurance in some fashion, and every adult needs to purchase […]

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Common Electrical Mistakes Homeowners Make

Written By Charlotte Insurance on December 15, 2020. It has 0 comments.

an overloaded surge protector that caught on fire

Many homeowners dream of becoming the next DIY rockstar, taking on projects big and small around their home. But mishandling electrical issues can lead to disasters like fires, injury, and more. Protect your home, your family, and your home insurance rates by avoiding these common electrical mistakes. Overloaded Circuits It can happen at any point, […]

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How Having Your College Student Back at Home May Impact Your Insurance

Written By Charlotte Insurance on August 25, 2020. It has 0 comments.

a college student who moved back home with parents, impacting their insurance

Having your college-aged kids back home is meant to be a nice surprise or a fun holiday. No one expected them to have to move back in for a pandemic. Everyone will have adjustments to make this school year as college and university students learn online from the safety of their homes. What does this […]

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Recently Renovated Your Home? Give Us a Call

Written By Charlotte Insurance on August 13, 2020. It has 0 comments.

a man renovating a home and thinking about the home insurance implications

You finally upgraded the kitchen like you’ve talked about for years. New fixtures and appliances. All granite countertops and real wood cabinetry. Have you called your insurance agent yet? After years of talking about it, you finally extended part of your home to add an extra room. It provides much needed extra space for your […]

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Setting Up Your Home for Distance Learning Success for Kids

Written By Charlotte Insurance on August 11, 2020. It has 0 comments.

a young girl participating in distance learning

It’s clear the pandemic isn’t going anywhere anytime soon, and your kids may be home for school for at least part of the year. The end of the last school year was just about getting them (and yourself) through it. Now you have the opportunity to set your kids up for success. Here’s what you […]

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Is Water Damage to My Floors Covered by Home Insurance?

Written By Charlotte Insurance on May 5, 2020. It has 0 comments.

hardwood floors that would be covered by a charlotte flood insurance policy

So you come home and discover a burst pipe and Fido practicing the doggy paddle in the kitchen. After the shock wears off, you’re wondering if it’s going to be covered by your insurance. Water damage can be extensive, and it can ultimately occur out of the blue. It is also one of the most […]

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