First things first: independent agents (like us) do not set your insurance rates. Our job is to help you find the best coverage and value by comparing different companies and policies that fit your needs. We’re your advocates, not your price-setters! How…
The insurance industry is facing massive financial strain due to natural disasters, and the numbers at a local level put things into perspective. Here in Transylvania County, the average home price is $443,000, and there are 19,401 households. With the average homeowner’s premium at $1,790, insurance companies collect…
With the recent natural disasters in Western North Carolina, we’ve been getting a lot of questions about what an insurance policy actually is—and more importantly, what it covers. Whether you’re dealing with storm damage, flooding, or other unexpected events, understanding…
With recent wildfires making headlines—both in Los Angeles and right here in Old Fort, NC—many homeowners are asking: Does my insurance policy cover wildfire damage? It’s a great question, and the good news is: Yes, in most cases, your homeowners insurance does cover wildfire damage. How…
The aftermath of Hurricane Helene’s flooding has left many property owners facing significant challenges. With several homes and businesses impacted, the path to recovery will depend heavily on compliance with local, state, and federal regulations. One of the key considerations…
After a turbulent few years for the insurance industry—marked by challenges from COVID-19, economic shifts, and historic property and casualty losses—many are wondering what 2025 might bring. In 2022 and 2023, insurers faced unprecedented losses, with claims reaching record levels…
Stay cool and keep extreme cold from damaging your home with these tips! First, why do we winterize our homes? Simply put: to manage our risk of a costly insurance claim. Isn’t it easier to insulate your pipes and check…
The holidays are a time to relax, spend time with loved ones, and make memories—whether you’re traveling to a cozy cabin, visiting family, or hitting the beach. While you’re packing bags and preparing for adventures, it’s easy to forget about…
This time of year has us all in the kitchen more than normal. Whether we’re preparing potluck dishes, frying turkeys, baking cookies or even hosting extended family for a multi-course dinner – you need to stay safe and we have…
They sure are gorgeous but they can be a pain if you don’t take care of a few things. 1. Clear Leaves from Gutters and Downspouts WHY: Clogged gutters can lead to water overflow, damaging your roof, siding, or foundation,…
