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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What Is Coinsurance?

Written By Charlotte Insurance on January 20, 2022. It has 0 comments.

a stack of coinsurance documents

Coinsurance is a little known, little understood, but very common clause for most property insurance coverages. Not understanding how it works – as well as not re-evaluating your homeowners insurance policy from time to time – can cause serious problems when you need to file a claim. Here’s what you need to know. What is […]

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When Do You Need a Landlord Policy?

Written By Charlotte Insurance on January 18, 2022. It has 0 comments.

a landlord with landlord insurance giving keys to their tenant

Thinking of renting out your home when you move? Feel like your second home could help pay for itself when you’re not using it? If you’re considering renting your property, make sure a landlord insurance policy is part of the plan. Here’s what you need to know. How Do You Know You Need a Landlord […]

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How Does the Increase in Home Values Impact Your Home Insurance?

Written By Charlotte Insurance on January 13, 2022. It has 0 comments.

the exterior of a home with an increased value owned by people wondering if they need to increase their home insurance

The news is inundated with the fact that home values are on the rise. You may have even received a few postcards and flyers encouraging you to refinance or even sell your home and make some serious cash. With values going up, you may wonder if you have enough home insurance to cover your home. […]

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Replacement Cost Explained – Home Insurance Basics

Written By Charlotte Insurance on December 23, 2021. It has 0 comments.

a damaged home with a replacement cost insurance policy

There are a lot of technical terms thrown around when discussing home insurance policies. They’re not always easy to understand or obviously important when you first hear them. Replacement cost is a very important feature of home insurance policies. It’s what can help make you whole again after a serious disaster. Here’s what you need […]

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Insurance Policy Endorsements – What are They and Do You Need Them?

Written By Charlotte Insurance on December 21, 2021. It has 0 comments.

a stack of insurance policy riders

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 […]

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New Year’s Eve Safety – Celebrating Without Worry

Written By Charlotte Insurance on December 16, 2021. It has 0 comments.

a safe new year celebrations

The end of 2021 is nearly here, and it’s time to ring in the New Year in a big way. Before the big night, make a plan of how to keep yourself safe during the celebrations. Whether you’re throwing a party or going to one, there are a few things to do so you have […]

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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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Does Your Homeowners Insurance Cover Sewer Line Replacement?

Written By Charlotte Insurance on November 29, 2021. It has 0 comments.

damaged sewer line covered by a sewer line backup insurance policy

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 […]

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How to Prevent Moisture From Damaging Your House

Written By Charlotte Insurance on November 8, 2021. It has 0 comments.

a rain storm

Water is essential for life to exist, but it also has powerful destructive potential when not properly managed. As unwanted water makes its way into your home, it can lead to safety concerns, negatively impact the comfort and functionality of your living spaces, and ruin the aesthetics of your property. As a result, the best […]

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