If you have a second home that only gets used during certain parts of the year, complete with furniture that gets placed in storage, or you spend months out of the country for work purposes, leaving your main home vacant of both people and belongings, you’ll need to get vacant home insurance in order to […]
When it comes to your homeowner’s insurance rates, there are a number of factors that go into determining how much you’ll need to pay. Things like your home’s location, overall worth, replacement costs, and more are all on the list. Another factor that insurance companies consider is the age of your home. Why does this […]
Living in an area like North Carolina, where the potential for getting hit by a hurricane is high, means that you need to prepare for the worst. While some more modern homes might be able to withstand the high flood waters and winds of a hurricane, this doesn’t mean that every house can. In order […]
The only thing worse than seeing your beloved home get damaged in a fire or storm is discovering that you don’t have enough insurance to cover the repairs or rebuild. Being underinsured, or not having enough coverage, is no laughing matter. You could either end up having to pay a lot of money out of […]
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 […]
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, […]
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 […]
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 […]
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 […]
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 […]
