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 […]
Blog
When Do You Need a Landlord Policy?
Written By Charlotte Insurance on January 18, 2022. It has 0 comments.
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 […]
How Does the Increase in Home Values Impact Your Home Insurance?
Written By Charlotte Insurance on January 13, 2022. It has 0 comments.
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. […]
6 Things That Your BOP Doesn’t Cover
Written By Charlotte Insurance on January 12, 2022. It has 0 comments.
Your business owners policy (BOP) helps protect the basics of your business: property damage, business interruption, and general liability. That’s a good starting point but it’s not enough for most companies. Here are things your BOP doesn’t cover and what coverage you need to protect your business. Driving for Business Purposes Any driving you do […]
How to Handle a Power Outage in an Apartment
Written By Charlotte Insurance on January 4, 2022. It has 0 comments.
Assuming you’ve paid your electric bill, when the power goes out, you might wonder what to do and who to call. First, make sure you paid the power company. After that, here’s what you need to know. Check Your Circuit Breaker When you moved into your apartment, hopefully the managing company or landlord showed you […]
What to Do if Your Car Gets Stuck in the Snow
Written By Charlotte Insurance on December 30, 2021. It has 0 comments.
The snow looks beautiful coming down. Snow days might be a nice break from a regular work day. But having to get your car unstuck is never any fun. Here’s what you need to do when it happens to you. Create as Much Traction as Possible Traction is the amount of grip your tires have […]
7 Reasons to Work with an Independent Insurance Agent
Written By Charlotte Insurance on December 28, 2021. It has 0 comments.
You’ve seen the sleek and even silly insurance commercials. They’re fun to watch. The companies claim their sign-up and claims process is cheap and easy. But you’ve been there, done that, and nothing about it is easy. In fact, it’s an expensive hassle, and you’re not even sure you have good insurance coverage. Skip the […]
Replacement Cost Explained – Home Insurance Basics
Written By Charlotte Insurance on December 23, 2021. It has 0 comments.
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 […]
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 […]
New Year’s Eve Safety – Celebrating Without Worry
Written By Charlotte Insurance on December 16, 2021. It has 0 comments.
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 […]