Renters Insurance in Wilmington, NC: What It Covers and Why You Need It
Your landlord's insurance does not cover your belongings. Renters insurance in Wilmington, NC protects your property and liability for a few dollars a week.
Recent Articles
How Much Homeowners Insurance Do You Need on the NC Coast?
How much homeowners insurance do you need on the NC coast? Insure to rebuild cost, not market value, so a storm does not leave you underinsured. Here is how.
Do Coastal NC Homeowners Need Umbrella Insurance?
Umbrella insurance adds liability protection above your home and auto policies. Here is what it covers and why many coastal NC homeowners carry it.
Flood Insurance in Coastal NC: What It Costs and How to Buy It
Flood insurance on the NC coast: NFIP vs. private options, what drives the cost, and how to buy it, including the waiting period that catches people off guard.
Insuring an Older or Historic Home on the North Carolina Coast
Older and historic coastal homes raise roof, wiring, and rebuild-cost questions insurers care about. Here is what to expect and how to keep coverage in place.
Condo and Townhome Insurance on the NC Coast: What Your HO-6 Really Covers
A beach condo needs an HO-6 policy plus the right wind and flood coverage. Here is what the master policy covers, what falls on you, and the gaps to watch.
NC Coastal Flood Zones Explained: What Your Zone Means for Insurance
Your FEMA flood zone shapes your flood risk, whether coverage is required, and how to plan. Here is what the coastal NC flood zones mean in plain terms.
Second Home and Vacation Rental Insurance on the North Carolina Coast
A beach house, second home, or rental on the NC coast needs different coverage than your primary home. Here is what changes and how to insure it right.
How to File a Wind or Hurricane Damage Claim in Coastal NC
A step-by-step guide for coastal NC homeowners on filing a wind or hurricane damage claim, from documenting the damage to working with the adjuster.
Wind vs. Flood Damage After a Hurricane: What Your NC Coastal Insurance Covers
After a coastal NC hurricane, wind and flood damage are paid by different policies. Here is how to tell them apart and make sure you are covered for both.
How to Lower Your Wind and Hail Premium in Coastal NC: FORTIFIED Roofs and Mitigation Credits
A FORTIFIED roof and wind-resistant upgrades can earn coastal NC homeowners premium credits, and grants may help cover the cost. Here is how it works.
Can You Buy or Change Insurance Right Before a Hurricane? NC Binding Restrictions Explained
Once a storm is named, most NC carriers stop writing or changing coverage. Here is how binding moratoriums work and why coastal homeowners should act early.
Hurricane and Named-Storm Deductibles in North Carolina: What Coastal Homeowners Should Know
Named-storm deductibles in coastal NC are a percentage of your home's insured value, not a flat fee. Here is how they work, what triggers them, and how to plan.
Coastal NC Hurricane Season Prep: The Insurance Checklist to Do Now
Hurricane season builds through late summer and fall on the NC coast. Here is the insurance checklist every Wilmington-area homeowner should finish now, before a storm is named.
The HO-3 Policy Form is the most utilized homeowners insurance policy nationally
It's the most comprehensive coverage you can buy for your home insurance protection. It protects the home from hazards such as Fire, Water Damage, Lightning, Power Surges, Theft, Vandalism, Freezing Pipes, plus Wind and Hail Coverage, which also includes Hurricanes and Tornadoes.
Does my mortgage require me to have Wind and Hail insurance Coverage?
Yes. All mortgage companies and banks require it.
In most parts of the country, the traditional home insurance policy HO-3 includes Wind and Hail Coverage.
Preventing Your Pipes from Freezing and Causing Water Damage to Your Home
How can we be talking about freezing temperatures in November? What happened to Fall? The forecast calls for temperatures in the 20's starting Wednesday morning. Remember to protect your home from frozen pipes. Here are some helpful tips.
Vacant Dwelling
A recent Study showed that approximately 24,000 vacant residential property fires are reported to fire departments each year, resulting in $800 million in property losses. Wooded areas bring fire hazards and vacant homes face increased risks for greater losses. In fact, 53 percent of vacant dwelling fires spread to the entire property and complete losses.
Renting a Car
If an auto insurance policy includes full coverage on a vehicle, that coverage will be able to be transferred over to the rental vehicle as long as the vehicle that is being rented is a personal auto that weighs under 10,000 lbs (a commercial vehicle that weighs over 10,000 lbs would not be covered). Typically, loss of use is not covered... this means that if a rental car was involved in an accident, the amount of money lost from the rental car not being rented, would typically not be paid out from your insurance.
Past Hurricanes and the Lessons Learned
The lessons taught by the last major hurricane, "Heavyweight Harvey" are endless and the financial costs have surpassed $125,000,000,000 Billion, while flooding 150,000 homes and killing 68 people and countless pets.
In Houston, the peril of wind was defended against by all the concrete that makes up a large city, though it didn't assist in the large amounts of rainfall that resulted in a massive flood.
Demystifying the Cost of Homeowners Insurance
Searching for a new home? You're likely also searching for the best mortgage, too. But first time home buyers often leave their homeowner's insurance as a last-minute thought - yet it is as critical a step as finding the right home or the right mortgage.
Wind & Hail Insurance: Why You Need It
If you own a home, you are subject to the vagaries of weather. Especially anywhere near the coast, weather can make a mockery of the best laid plans we have for our homes. Here are four reasons you should consider adding Wind & Hail Insurance to your policy
How to Be Prepared for The Next Winter Storm in North Carolina
With the coming of winter comes holidays, quality time with family, and a brand new start with a brand new year. But winter months also bring winter weather, which sometimes means that you're in for more than just a dreamy white Christmas.
12 Things Affecting Your Car Insurance Rates in North Carolina
In the state of North Carolina, the law is to have car insurance - if you own a vehicle and use it, of course. And, of course, there are certain things that increase your rates that will help you understand why your rates are what they are. But first, let's go over what auto insurance is and the different kinds of coverage that is applied to your policy.
Best Practices & Preparations for Winter Weather Driving
Winter is upon us, North Carolina! And that means winter weather - which doesn't have too much of an effect on most people's work or school schedules - so it's probably a good idea to have your car and yourself prepared to lower your risks of a breakdown or accident.
North Carolina Joint Underwriters and The State Wind Pool
In many cases the NCJUA is thought to be the only wind and hail insurance option. In some geographical areas it may be the better option. The main point to this article is to inform our North Carolina Homeowners about many other options that are available. Let's backtrack a bit first...
Primary and Excess Flood Insurance Protection
Most homeowners don't suspect that flooding will happen to them, especially those who live in low-risk areas. However, in the past five years all 50 states have experienced floods or flash floods. If your home is worth more than $250,000, you may require excess coverage. It is essential that you have the right policy in place to prevent devastating financial losses.
Flood Insurance Information
Flood insurance is both simple and very confusing. Here I go with some info about it. Flood insurance is never covered on any home insurance policy, and must always be purchased separately. Flood is managed by FEMA and NFIP, which is part of the Federal Government...
