TL;DR: If you’re starting a renovation this fall, three things on your homeowners policy are about to be wrong: your dwelling limit, your ordinance and law coverage, and whether anyone told your carrier the work is happening. Below is what…
TL;DR: Peak hurricane season runs August through September, and Helene showed Western North Carolina what a bad one actually costs. Before the next storm forms, email your agent five questions: dwelling adequacy, ordinance and law coverage, water backup, ALE limits,…
Fall Leaves Are Beautiful — Until They Cause Problems They sure are gorgeous, but fall leaves can be a pain if you don’t stay ahead of a few simple chores. A little maintenance now can help you avoid costly damage…
Last year, I was about to put a new roof on my house and thought, “I should probably talk to my agent about what makes the most sense from an insurance perspective.” It turns out, your roof plays a much bigger…
This year, I opened my renewal notice and almost spilled my coffee. My homeowners insurance went up by more than $1,000. Ouch. If you’ve seen a similar increase, you know the feeling: frustration, disbelief, and the immediate urge to figure…
Earthquakes may not be the first natural disaster that comes to mind in our region, but from time to time, homeowners ask whether they should add earthquake coverage to their insurance policy. The answer isn’t one-size-fits-all, so here’s what to…
International Dog Day was this week and it made us think we should put together some information on dogs and insurance. There’s likely more to consider than you realize. 1) Where coverage usually lives 2) Breed lists, history, and underwriting…
WNC Market Insights from Your Local Insurance Experts Owning a $2 million home is a major investment—and protecting it with the right insurance is just as important as the property itself. Whether your home sits on a mountain ridge with…
The short answer is $900-$3,500. The long answer is it depends. If you’re shopping for a $500,000 home—or already own one—you’re probably wondering how much it’ll cost to insure it. It’s a smart question, and the answer depends on more…
What is Builder’s Risk Insurance? Builder’s risk insurance is a temporary policy that protects your home while it’s being built or significantly renovated. It’s designed to cover the materials, structure, and sometimes equipment on-site during the course of construction. Unlike homeowners insurance, which…
