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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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6 Things That Your BOP Doesn’t Cover

Written By Charlotte Insurance on January 12, 2022. It has 0 comments.

two business owners standing outside of their business wondering what their BOP doesn't cover

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 […]

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How to Handle a Power Outage in an Apartment

Written By Charlotte Insurance on January 4, 2022. It has 0 comments.

someone in an apartment during a power outage with renters insurance

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 […]

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What to Do if Your Car Gets Stuck in the Snow

Written By Charlotte Insurance on December 30, 2021. It has 0 comments.

a car stuck in the snow

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 […]

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7 Reasons to Work with an Independent Insurance Agent

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

people meeting with an independent insurance agent

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 […]

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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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