HOME OWNERS
Landlord Safety Checklist
Your policy and procedures with your properties is critical to keeping your properties safe and the Insurance affordable. These are some suggestions to implement with all of your rental properties. Read More…
Dangers Of Mold
The key to mold control is moisture control. If mold is a problem in your home, you should clean up the mold promptly and fix the water problem. Read More…
Smoke Alarms
Most home fire deaths happen between 10 o’clock at night and 6 in the morning. Many victims die because of smoke and toxic gases, not the fire itself. Read More…
Remodeling Your Home
Checking a contractor’s references is always a good idea, and it’s nice to know they have power tools. However, making sure your contractor has appropriate insurance can protect your assets during Read More…
Guests And Alcohol
Since many homeowners policies limit liability protection to $300,000 or so, you’d be smart to investigate getting at least a $1 million personal liability or umbrella policy if you’re a homeowner. You can get more if you need more. Read More…
AUTO GUIDES
Auto Accident Checklist
A checklist to print and keep in each vehicle. Be prepared for and safe. Read More…
Driver Insurance Rates
Explaining Surcharges and Higher Rates for Inexperienced/Young Drivers and Those With Accidents and Violations. Read More…
NC Required Auto Insurance
North Carolina was one of the first states to require liability insurance on registered motor vehicles. All motor vehicles registered in the state must be covered by liability insurance and the insurance must remain in effect, with continuous coverage, until you terminate the registration. Read More…
Traffic Tickets
Important Facts: It is rarely in your best interest to plead guilty as charged or, to simply pay off the ticket. Traffic tickets can increase your insurance costs drastically. Read More…
DISABILITY FACTS
Disability Facts
Disability is more common than you think, and it can happen to anyone. According to the United States Census Bureau, over 51 million Americans are classified as disabled. Read More…
How Your Credit Impacts Your Premium
Credit scores are based on an analysis of an individual’s credit history. Insurers often generate a numerical ranking based on a person’s credit history, known as an “insurance score,” when underwriting and setting the rates for insurance policies. Read More…
Protection From ID Theft
To protect yourself from becoming a victim don’t carry a checkbook. Only pay by either cash or credit card. Don’t carry your social security card or allow your social security number to be used on a drivers license. Read More…
Employee vs. Independent Contractor
Clients often use terms “independent contractor” and “employee” interchangeably; yet, these terms have significant ramifications upon your daily business activities and claim results. Read More…
DIVORCE AND INSURANCE
Divorce And Insurance
Which of the following professionals is least likely to be an impartial member of your post-divorce, financial planning team? Read More…
