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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Is Usage Based Auto Insurance Right for You?

Written By Charlotte Insurance on December 14, 2021. It has 0 comments.

a driver behind the wheel who has usage based auto insurance

Usage based insurance (UBI) is a relatively new form of auto insurance coverage that bases your premiums on your driving behavior. In many cases, drivers receive discounts that may significantly lower the cost of their insurance. Is usage based auto insurance right for you? Here’s what you need to know. What is Usage Based Insurance? […]

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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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Insurance for Full Time RVers – Avoid These Mistakes

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

a retired couple standing in front of their RV thinking about their need for full time RV insurance

RV life appeals to more people now than ever before. From retirees to 20-somethings, many are making their RV their full-time home. No matter why you’ve sold your house and put everything into your home on wheels, you need to protect it with the right insurance coverage. Make sure you don’t make these common RV […]

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Self-Employed Business Insurance: What Do You Need to Protect Yourself?

Written By Charlotte Insurance on November 24, 2021. It has 0 comments.

someone working at their computer researching self employed insurance options

You finally did it. You left the nine to five, made the leap, and now work for yourself. There’s a lot to worry about once you become self-employed, including what you’ll do when things go wrong. Make sure you protect yourself and your new business with the right self-employed business insurance coverage. Every business is […]

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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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