Category: Home Insurance

Protecting Common Areas: Liability and Property Insurance Solutions for Apartment Communities

Written By Charlotte Insurance on September 19, 2023. It has 0 comments.

Protecting Common Areas Liability and Property Insurance Solutions for Apartment Communities

Apartment communities have different insurance needs than detached homes that are situated in standard neighborhoods. Since an apartment building is owned by one company, also known as the landlord, and contains separate apartments occupied by tenants, several distinct types of insurance protections are necessary. On top of that, the owners of the apartment complex need […]

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Home Insurance Considerations for Older Homes: Addressing Unique Risks

Written By Charlotte Insurance on August 23, 2023. It has 0 comments.

Home Insurance Considerations for Older Homes Addressing Unique Risks

Older homes may look like gems, but those gorgeous exteriors can hide numerous issues, including lead pipes, asbestos tiles, and even knob and tube electrical systems. While these things may be grandfathered into the new housing regulations in your area, what happens when the house catches fire or is damaged by high winds and needs […]

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The Importance of Liability Coverage in Home Insurance

Written By Charlotte Insurance on August 21, 2023. It has 0 comments.

The Importance of Liability Coverage in Home Insurance

A typical home insurance policy includes two important components: coverage for your property and belongings and liability coverage. The former is designed to replace or repair your home and your furniture, appliances, personal belongings, and more in case of a fire or other form of damage. The latter is a bit more complicated, as far […]

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Condo Insurance: Understanding Master Policies and Individual Coverage

Written By Charlotte Insurance on August 17, 2023. It has 0 comments.

Condo Insurance Understanding Master Policies and Individual Coverage

Buying insurance for your condo is quite different than getting a standard homeowner’s insurance policy. Why? Because condos are different than houses, of course. Yes, you’re purchasing insurance on a property that you own, but thanks to the way that condo units are set up, you’ll need a policy specific for protecting this type of […]

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Understanding Vacant Home Insurance: Coverage During Periods of Non-Occupancy

Written By Charlotte Insurance on August 10, 2023. It has 0 comments.

Understanding Vacant Home Insurance Coverage During Periods of Non-Occupancy

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 […]

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The Impact of Your Home’s Age on Insurance Rates in North Carolina

Written By Charlotte Insurance on June 29, 2023. It has 0 comments.

The Impact of Your Home's Age on Insurance Rates in North Carolina

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 […]

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Insuring Against Hurricanes: A Must for North Carolina Homeowners

Written By Charlotte Insurance on June 20, 2023. It has 0 comments.

Insuring Against Hurricanes A Must for North Carolina Homeowners

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 […]

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North Carolina Homeowners: Are You Underinsured?

Written By Charlotte Insurance on June 10, 2023. It has 0 comments.

North Carolina Homeowners Are You Underinsured

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 […]

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The Importance of Understanding Your Homeowners Insurance Policy Exclusions and Limits

Written By Charlotte Insurance on May 15, 2023. It has 0 comments.

The Importance of Understanding Your Homeowners Insurance Policy Exclusions and Limits - homeowners insurance policy

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, […]

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The Benefits of Having a Home Inventory for Home Insurance Claims

Written By btbcontent on May 5, 2023. It has 0 comments.

The Benefits of Having a Home Inventory for Home Insurance Claims

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 […]

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