Graduation has come and gone and with that comes many changes for high school students going to college for the first time and recent college graduates entering the workforce. Many high school graduates will choose to live off campus and recent college graduates will land their dream job and begin apartment searching. Whether you’re renting a home when you are entering or leaving college, you have a lot of important decisions to make in the process. You will most likely be considering the location of your new residence, how to furnish your home, and whether you plan to live with roommates or live alone.

A once almost-lost art which is becoming more popular of late is personal gardening and farming. For those who have access to a little extra land, growing produce or even raising chickens and other animals may provide a healthy and less expensive alternative to grocery bills. Some people doing this have even become so productive that they are able to sell their extra produce to the public at local farm stands. In cases such as these it’s important to consider whether home insurance in NC will provide enough coverage. In general, as the size of your production increases, there will be more options and types of policies or endorsements to consider.

It’s that time of year again! Summer has arrived and with it brought plenty of sun and fun. As the amount of daylight increases, so will your desire to enjoy the great outdoors. Whether you are planning a sandy beach vacation, a challenging hiking trip, or simply relaxing in your own backyard, make certain that summer toys such as motorcycles, boats, jet skis, four wheelers, and golf carts are covered under your insurance policy. As your trusted North Carolina insurance agency, Charlotte Insurance can offer you the best coverage at the most competitive price.

These days, protecting your identity from thieves when on vacation is just as necessary as protecting your home from would-be criminals. The home insurance NC residents need may have the option of providing coverage for identity theft risk, and if so, your insurer may also offer some recovery services after an identity theft loss. However, this may not completely or quickly alleviate the mess an identity theft loss can create. With this in mind, it is much better to learn how to best keep your identity from being stolen.

According to the Insurance Institute for Business and Home Safety (IBHS) there are three main threats to which a building can be exposed during a wildfire – wind-borne embers, radiant heat, and direct contact with flames. When choosing your business insurance NC, it’s a good idea to also evaluate your exposures to various perils such as wildfires.
Ember exposure is the most common form of direct wildfire damage to buildings. Burning embers can damage a building by igniting nearby vegetation, building components, and/or combustible siding, and by breaking glass thereby exposing the inside of the building to the fire.

Just as the term “prevention is better than cure” applies to your health and well-being it could also be applied to your business building structures. While as a business owner in the State you cannot prevent tornadoes from happening, you can at least take some measures to reduce or prevent major damage occurring to your buildings. Such steps may also help reduce the risk of injuries and the need to make claims on your business insurance NC policy.

Arriving home to discover that vandals have wrecked or damaged part of your property can be a distressing and frightening experience. Although you may be tempted to panic, there are certain steps you should take to help ensure your safety and the success of your home insurance NC claim.

Izzy Karriker is a young, creative artist in the Charlotte area and is one of two twin daughters of Charlotte Insurance owner, Marty Karriker. When she isn’t painting a masterpiece, Izzy enjoys spending time with her friends and family and giving to local charities. As a huge supporter of Charlotte events, businesses, sports teams, and community events, it is only natural that Charlotte Insurance interviewed this rising star who lives just outside of the Queen City:

As an agent employed at a Charlotte insurance agency, customers have asked a plethora of questions regarding personal insurance policies. One of the most frequently asked questions is this: What is the difference between full coverage and liability only coverage with regard to my NC auto insurance plan?

With these tough economic times, small businesses can find it challenging to keep costs down and profits up. From saving money on your business insurance NC, to buying second hand computer equipment, there are a number of ways that your business can reduce expenses and hopefully stay afloat in trying times.

Here are five ways you may be able to save money on your business costs: