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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Sewer Backup Insurance – Gross But Necessary

Written By Charlotte Insurance on November 1, 2021. It has 0 comments.

a flood basement in a home with sewage backup insurance

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 […]

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Vacant Home Insurance: What Is It and Do You Need It?

Written By Charlotte Insurance on October 28, 2021. It has 0 comments.

a vacant in home in Charlotte in need of insurance

There are so many reasons why your home may sit empty for a bit. If you expect your existing North Carolina homeowners insurance to cover you, you may be in for a nasty surprise when things go wrong. It’s possible you need vacant home insurance instead. Not sure what that is or if you need […]

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Thinking of Getting Chickens? Read This First

Written By Charlotte Insurance on October 26, 2021. It has 0 comments.

backyard chickens

You’re finally ready to build a coop and go get some chickens for your backyard. You’re already envisioning all the eggs and the cute little chicks running around everywhere. Before you head to the store, there are a few things you need to know to protect yourself and your home. Chickens as Pets If your […]

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Fall Maintenance Checklist: 2021 Edition

Written By Charlotte Insurance on October 19, 2021. It has 0 comments.

a person cleaning their gutters as part of their fall maintenance checklist

Regular home maintenance helps take care of your property and helps prevent unnecessary expenses later. It also helps avoid damage that could lead to big insurance claims. Now that fall has arrived, here’s what you need to do around your home to protect and take care of it. Snake out the drains around your home […]

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