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Which Threats Does Homeowners Insurance Cover?

Buying Greensboro homeowners insurance can be a somewhat confusing proposition for the uninitiated because of the number of different types of homeowners policies from which to choose. You also have the option of designing your own custom coverage, leaving even more choices to make. The easiest and most logical method for choosing your Greensboro homeowners … Continue reading Which Threats Does Homeowners Insurance Cover?

Which Items Are Protected by Homeowners Insurance?

Your standard Greensboro Homeowners Insurance policy provides protection against financial losses suffered regarding what may possibly be your most expensive investment – your home. Most homeowners insurance policies cover more than losses affecting just your home’s structure, but include protection from losses in several specific areas: Coverage for your home’s structure and, often, any detached structures on your … Continue reading Which Items Are Protected by Homeowners Insurance?

Life Insurance: Guaranteed Cash Value and Net Cash Value Explained

There are two basic types of life insurance: term and whole life. Term is known as “pure protection,” since it provides only a death benefit and no accumulated cash value, as a whole life policy does. Often referred to as “permanent life insurance,” whole life coverage provides financial protection that never expires, as long as premium … Continue reading Life Insurance: Guaranteed Cash Value and Net Cash Value Explained

3 Tips for Rewriting Your Car Insurance Policy

If you live and drive on public roads in North Carolina, state law requires that you have a car insurance policy in force for protection against any liability you may cause to others with your vehicle. Drivers are also required by law to have coverage for uninsured/underinsured motorists. These laws have minimum limits required regarding the … Continue reading 3 Tips for Rewriting Your Car Insurance Policy

H0-3 vs HE-7: What’s the Difference?

According to current statistics, approximately 95% of homeowners in the United States carry homeowner’s insurance on their dwellings. One reason why this number is so high is due to the fact that, when you buy a house and finance it through a mortgage company, that company requires that you maintain at least a minimum amount of … Continue reading H0-3 vs HE-7: What’s the Difference?

Ice Dams and Your Homeowners Insurance

Ice dams can present a problem for your home any time the mercury dips to below freezing for an extended period of time and snow or ice are visible on your roof. If you look up and see icicles forming from your gutters or roof eaves, that’s a sign of potential ice dams also forming. When … Continue reading Ice Dams and Your Homeowners Insurance

3 New Year’s Resolutions for Insurance Customers

2019 is winding down and a new year, as well as a new decade, is just around the corner. You, like others, may be considering appropriate New Year’s resolutions to put on your list for the coming year. They may be centered around improving your health, bettering your diet, curtailing some less-than-envious habits or starting some … Continue reading 3 New Year’s Resolutions for Insurance Customers

Car Insurance: What to Do If My Car Is Totaled

If you carry the minimum amount of Greensboro car insurance required by NC State Law and your car gets totaled, the amount you can expect to receive from your insurance company is easy to figure. The answer is zero. The liability coverage you’ve been carrying is only designed to help pay for losses suffered by other drivers involved … Continue reading Car Insurance: What to Do If My Car Is Totaled

Homeowner’s Insurance: What Is Loss of Use?

A standard Greensboro homeowners insurance policy contains three primary types of protection: Dwelling Protection – helps cover losses resulting from damage /destruction to your home’s structure, usually including other structures that are attached to the house such as a deck or a garage. Most policies also cover “other structures” not attached to the house, such as … Continue reading Homeowner’s Insurance: What Is Loss of Use?

What Are the Auto Insurance Requirements in North Carolina?

Like most states in the U.S., auto insurance requirements in North Carolina exist for vehicle drivers using public roads. Each state’s Department of Insurance sets specific state requirements, including what type of auto insurance is required and what minimum coverage limits must be met, under penalty of law. North Carolina Auto Insurance North Carolina auto insurance consists of four … Continue reading What Are the Auto Insurance Requirements in North Carolina?