Even though you think you have enough coverage on your homeowner’s insurance policy, it never hurts to have some extra precautions in place. For example, an umbrella insurance policy, which is designed to provide some additional liability coverage, can be added to your homeowner’s policy. Since these umbrella policies are inexpensive, they provide plenty of […]
Category: Coastal Home Insurance
The Importance of Understanding Your Homeowners Insurance Policy Exclusions and Limits
Written By Charlotte Insurance on May 15, 2023. It has 0 comments.
When it comes to your homeowner’s insurance policy, how much do you understand? Have you read the policy in full? If not, you might have some questions about the exclusions and limits on your policy. These can prevent you from having damage and other things covered, should the issue fall under specific circumstances. In addition, […]
The Benefits of Having a Home Inventory for Home Insurance Claims
Written By btbcontent on May 5, 2023. It has 0 comments.
Do you know exactly what’s in your home? Well, you probably have a good idea of the important items that you use every day, such as your couch or loveseat, your television, everything in the kitchen that you use to cook, and so on. But what about the little things? Can you name everything in […]
Understanding Replacement Cost vs. Actual Cash Value in Home Insurance
Written By Charlotte Insurance on May 2, 2023. It has 0 comments.
If you’ve looked at your homeowner’s insurance policy in depth, you’ve no doubt come across a few different values listed on the paperwork. These values commonly consist of replacement cost and actual cash value, among others. Usually, your insurance policy will cover one or both of those amounts. But what do they actually mean? How […]
Home Insurance Inspections: What to Expect
Written By Charlotte Insurance on March 14, 2023. It has 0 comments.
Sometimes your insurance company will insist on doing an inspection of your home prior to a home insurance policy renewal. They may also want to conduct an inspection if you’ve just bought a new home to make sure that everything is in good condition before your new policy kicks in. There are generally two parts […]
How to Prepare for Hurricanes in North Carolina
Written By Charlotte Insurance on September 7, 2022. It has 0 comments.
Hurricane Florence may have been the last major hurricane to hit North Carolina back in 2018 but even when we’re not in the direct path, we’re still impacted by storms every hurricane season. It’s important to prepare so that you can keep yourself and your family safe. Here’s what you need to do. Build Your […]
Insurance Policy Endorsements – What are They and Do You Need Them?
Written By Charlotte Insurance on December 21, 2021. It has 0 comments.
When you purchase an insurance policy – home, auto, or anything else – and pay your premiums, it’s easy to assume you’re fully covered. Since coverage is determined by where you’re at in life at the time of purchase, you may be. Until you’re not. Endorsements often provide additional or extra coverage that your standard […]
Home Insurance and Power Surges – What You Should Know
Written By Charlotte Insurance on December 7, 2021. It has 0 comments.
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 […]
Does Your Homeowners Insurance Cover Sewer Line Replacement?
Written By Charlotte Insurance on November 29, 2021. It has 0 comments.
Welcome to every homeowner’s worst nightmare: foul sludge bubbling up from your pipes into the tub or your yard. It gets everywhere, smells disgusting, and costs thousands in damage. Sewage backups and line damage wreak havoc on homes all the time. Will your homeowners insurance policy cover sewer line replacement? Here’s what you need to […]
Sewer Backup Insurance – Gross But Necessary
Written By Charlotte Insurance on November 1, 2021. It has 0 comments.
No one wants to think about sewer lines, waste, and a sewage backup. We wash things down sink drains and flush toilets to make sure we don’t have to think about it. Sewage is gross. What’s grosser still is a sewage backup. Finding yourself ankle deep in sewage in your basement, bathroom, or front yard […]