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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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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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