If you ever read through your home insurance policy, and you should at least once a year or so, you may see a section labeled “Coverage F” or “Medical Payments Coverage” aka MedPay Coverage. What is this? How does it work? Why is it there? Here’s what you need to know about MedPay. What is […]
No one wants to think a disaster will ever happen to them, but storms, fires, and other dangers can strike out of nowhere. To keep your family and your same safe, prepare early for potential disasters. Here’s what you need to know as a homeowner. Identify Potential Hazards Certain hazards are common to everyone, regardless […]
We’re in unprecedented times which calls for new and innovative ways to make sure our families have what they need while staying safe. With the pandemic still raging, many parents have not felt comfortable sending their kids back to traditional school. If you’re keeping your kids out of in-person learning, you’re not alone, but it’s […]
You own a condo (or want to buy one), and you know you need condo insurance, but it’s confusing. How much do you need? What does the condo association cover? Do you need a special policy? Let’s take the confusion out of condo insurance once and for all. The Condo Association’s Master Policy What determines […]
On August 9, 2020, in Sparta, North Carolina a magnitude 5.1 earthquake struck. It was felt across the entire state and was the second strongest to occur in North Carolina since 1900. In the devastating aftermath, many victims of the earthquake received even more bad news. Their insurance policies, in large part, would not cover […]
Having your college-aged kids back home is meant to be a nice surprise or a fun holiday. No one expected them to have to move back in for a pandemic. Everyone will have adjustments to make this school year as college and university students learn online from the safety of their homes. What does this […]
Have you ever wondered if you need a separate insurance policy for your shed or unattached garage? The answer is…maybe. Some homeowners will be just fine with their standard home insurance, but others won’t. How you use your shed, what you store in it, and the perils covered under your current policy will determine if […]
You finally upgraded the kitchen like you’ve talked about for years. New fixtures and appliances. All granite countertops and real wood cabinetry. Have you called your insurance agent yet? After years of talking about it, you finally extended part of your home to add an extra room. It provides much needed extra space for your […]
When buying homeowners insurance, a lot of terms get thrown around, creating a bit of confusion and leading to many questions. The two most common (and likely most important) terms in your homeowners policy are replacement cost and actual cash value. What are they, and how do you know which one is right for you? […]
The warm weather is here, and it’s time to dust off the grill and enjoy the taste of flame-grilled foods and all the barbecue you can eat. Before you light up the propane or the charcoal, it’s important to stay safe. Your family and home depend on it. Here’s what you need to know. Don’t […]
