Rockingham Insurance BlogView Rockingham Insurance's Website Blogen-uspostmaster@14e6b763-9d0d-4f82-b84d-05b2acb24d2f.insurancewebsitebuilder.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:5f528fad-77cc-4ac4-8613-de7bb819bfe8urn:uuid:7189f2dd-86da-45f2-8bd1-507f3d264e1anorth-carolina-increases-the-minimum-liability-limits-for-auto-insurance.aspxNorth Carolina Increases the Minimum Liability Limits For Auto InsuranceIncreased Minimum Liability Limits Over the past years, the minimum automobile liability coverage for bodily injury has been $30,000 per person and $60,000 per accident and $25,000 for property damage. These limits were established in 1999 and ...Thu, 10 Jul 2025 14:59:46 -0700<p><strong><span>Increased Minimum Liability Limits</span></strong></p>
<p>Over the past years, the minimum automobile liability coverage for bodily injury has been $30,000 per person and $60,000 per accident and $25,000 for property damage.<span> </span>These limits were established in 1999 and have not been updated since that time.<span> </span></p>
<p>With the passing of new legislation on July 1, 2025, the new minimum automobile liability limit coverage for bodily injury <strong>will increase to $50,000 per person and $100,000 per accident and $50,000 for property damage. </strong></p>
<p>Automobile owners should review their current policies to make sure these limits have been increased to be compliant with the new legislation.<span> </span><strong>Most carriers will automatically increase these limits on your automobile policy renewal, but you are responsible for verifying that your limits are compliant with the new legislation.<span> </span><span> </span>When you receive your automobile policy renewal, please verify you have met the new minimum limits required by the State of North Carolina. <span> </span></strong></p>NC Auto Liability Limit Increase, July 1 2025 auto liability limit increase in NC, North Carolina Minimum Liability Limit Increaseurn:uuid:9aabaeff-7971-4387-9d76-528480f3112amotorcycle-insurance.aspxMotorcycle Insurance Motorcycle Insurance Motorcycling is more than just a means of transportation; it's a passion for many enthusiasts. Whether it's the sense of freedom on the open road or the thrill of maneuvering through traffic, riding a motorcycle offers a unique ...Sun, 17 Mar 2024 19:25:07 -0700<p>Motorcycle Insurance </p>
<p>Motorcycling is more than just a means of transportation; it's a passion for many enthusiasts. Whether it's the sense of freedom on the open road or the thrill of maneuvering through traffic, riding a motorcycle offers a unique experience. However, with this exhilaration comes risks, making motorcycle insurance a crucial aspect of responsible riding.<span> </span>Let’s take a moment and review some of the motorcycle insurance coverages. </p>
<p> </p>
<p>Common Coverages in Motorcycle Insurance:</p>
<p>1. Liability Coverage:</p>
<p><span> </span>This coverage pays for bodily injury and property damage you cause to others in an accident. It also includes legal defense costs if you're sued.</p>
<p> </p>
<p>2. Collision Coverage:</p>
<p><span> </span>Collision coverage reimburses you for damages to your motorcycle resulting from a collision with another vehicle or object.</p>
<p> </p>
<p>3. Comprehensive Coverage:</p>
<p><span> </span>Comprehensive coverage protects your motorcycle from non-collision incidents such as theft, vandalism, fire, or natural disasters.</p>
<p> </p>
<p>4. Medical Payments Coverage:</p>
<p><span> </span>This coverage pays for medical expenses incurred by you or your passengers in the event of an accident, regardless of fault.</p>
<p> </p>
<p>5. Uninsured/Underinsured Motorist Coverage:</p>
<p><span> </span>This coverage compensates you for injuries and damage if you're involved in an accident with a driver who lacks sufficient insurance coverage.</p>
<p> </p>
<p>Conclusion:</p>
<p>Riding a motorcycle offers unparalleled freedom and excitement, but it also comes with inherent risks. Motorcycle insurance is not just a legal requirement; it's a crucial tool for protecting yourself, your bike, and your finances in the face of unforeseen events. By understanding the importance of motorcycle insurance and selecting appropriate coverage options, riders can enjoy their passion for the open road with greater peace of mind. Stay safe, and ride responsibly!</p>Motorcycle Insurance, Motorcycle Insurance Coveragesurn:uuid:e37851cd-fd9d-4b9c-963d-df9d35b7566bwinter-preparation-for-your-home.aspxWinter Preparation for Your HomeWinter Preparation for Your Home: A Comprehensive Guide As the winter months approach the Piedmont Triad, it's essential to ensure that your home is well-prepared to withstand the challenges that come with colder weather. We have been known to ...Tue, 30 Jan 2024 07:24:49 -0800<p><strong><span style="font-size: 24px;">Winter Preparation for Your Home: A Comprehensive Guide</span></strong></p>
<p>As the winter months approach the Piedmont Triad, it's essential to ensure that your home is well-prepared to withstand the challenges that come with colder weather. <span> </span>We have been known to have some major winter storms in the Eden, Stokesdale, Summerfield, Madison, and Mayodan areas. Taking the time to conduct a thorough winter preparation can not only enhance the comfort of your living space but also protect your home from potential damage. <span> </span>We will cover various aspects of winter preparation, ranging from roof inspections to creating an emergency supply kit.</p>
<p><strong style="font-size: 10pt;">Roof Inspection:</strong></p>
<p>One of the critical elements to consider when preparing your home for winter is your roof. A roof inspection is necessary to identify and address any issues before they escalate. Look for loose or damaged shingles, signs of leaks, and ensure that the flashing around chimneys and vents is secure. Repairing any damage promptly can prevent potential leaks and protect your home from water damage during winter storms.</p>
<p><strong style="font-size: 10pt;">Outside Faucet Inspection:</strong></p>
<p>Frozen pipes can be a common issue during winter. To prevent this, inspect and shut off any outside faucets. Drain the water from outdoor hoses and store them indoors. Consider installing frost-proof faucets or insulating covers to protect your pipes from freezing temperatures.</p>
<p><strong style="font-size: 10pt;">Cleaning Your Gutters:</strong></p>
<p>Clogged gutters can lead to ice dams, which can cause water damage to your home. Before winter arrives, clean your gutters, and remove any debris such as leaves and twigs. Make sure the downspouts are clear and direct water away from your home's foundation. This simple maintenance task can help prevent costly repairs in the long run.</p>
<p><strong style="font-size: 10pt;">Servicing Your HVAC System:</strong></p>
<p>A well-maintained heating, ventilation, and air conditioning (HVAC) system is crucial for a comfortable and efficient home during winter. Schedule a professional inspection and servicing for your HVAC system before the colder months set in. This will ensure that your system is running at peak performance, reducing the risk of breakdowns when you need it most.</p>
<p><strong style="font-size: 10pt;">Checking Your Smoke and Carbon Monoxide Detectors:</strong></p>
<p>With homes tightly sealed during winter, the risk of carbon monoxide buildup increases. Test your smoke and carbon monoxide detectors to ensure they are working correctly. Replace batteries if needed and consider installing new detectors if yours are outdated. This small but crucial step can protect your family from potential dangers.<span> </span>If your detectors operate on batteries, make sure you replace the batteries at least twice a year. </p>
<p><strong style="font-size: 10pt;">Locating Your Water Main Cut Off:</strong></p>
<p>Knowing the location of your water main cut off is essential in case of a burst pipe. Familiarize yourself with its location, and make sure it's easily accessible. In the event of a water emergency, a quick response can minimize damage to your home. <span> </span><span> </span>Plumbers can install devices to cut off the water if a leak is detected. </p>
<p><strong>Emergency Supply Kit:</strong></p>
<p>Create an emergency supply kit to prepare for power outages or severe weather conditions. Include essentials such as bottled water, non-perishable food items, flashlights, batteries, blankets, and a first aid kit. Having a well-stocked emergency kit ensures that you and your family can handle unexpected situations with greater ease and safety.</p>
<p><span style="font-size: 10pt;">Investing time in winter preparation for your home is a proactive approach to safeguarding your property and ensuring the well-being of your family. By addressing roof issues, inspecting outdoor faucets, cleaning gutters, servicing your HVAC system, checking detectors, locating water main cut off, and creating an emergency supply kit, you'll be well-equipped to face the challenges of winter and enjoy a warm and secure home throughout the season.</span></p>Winter Storm Rockingham County, Winter Storm Summerfield, Winter Storm Piedmont Triadurn:uuid:8026a046-43ca-41a0-82a3-6afc4378699dthe-ultimate-christmas-gift-guide-for-car-owners.aspxThe Ultimate Christmas Gift Guide for Car OwnersThe Ultimate Christmas Gift Guide for Car Owners The holiday season is upon us, and if you're still searching for the perfect Christmas gift for the car enthusiast in your life, look no further. This year, why not surprise them with thoughtful gifts ...Wed, 06 Dec 2023 07:29:03 -0800<p><strong><span style="font-size: 24px;">The Ultimate Christmas Gift Guide for Car Owner</span>s</strong></p>
<p><span style="font-size: 10pt;">The holiday season is upon us, and if you're still searching for the perfect Christmas gift for the car enthusiast in your life, look no further. This year, why not surprise them with thoughtful gifts that enhance their driving experience and keep their beloved vehicle in top-notch condition? We've curated a list of four fantastic Christmas gift ideas that any car owner would be thrilled to unwrap.</span></p>
<p><strong style="font-size: 10pt;"><span style="font-size: 18px;">Wireless Car Charger Mount: Unleash the Power of Convenience</span></strong></p>
<p>In the era of constant connectivity, a wireless car charger mount is a game-changer for car owners. No more fumbling with cords or worrying about a dead phone battery on the road. These innovative mounts securely hold smartphones in place while wirelessly charging them, making it a breeze for your loved one to stay powered up and navigate with ease. Look for models with adjustable grips, fast charging capabilities, and easy installation for a hassle-free driving experience.</p>
<p><strong><span style="font-size: 18px;">Floor Mat Protectors: Shielding Style and Cleanliness</span></strong></p>
<p>Protecting the interior of a car is a priority for any car owner, and high-quality floor mat protectors are an excellent way to achieve this. Choose durable, all-weather floor mats designed to withstand dirt, mud, and spills. Look for customizable options that fit the specific make and model of your friend or family member's car. These mats not only provide a layer of defense against the elements but also add a touch of style to the vehicle's interior.</p>
<p><strong><span style="font-size: 18px;">Tire Pressure Gauge: A Gift That Keeps Them Rolling</span></strong></p>
<p>Safety and performance go hand in hand, and maintaining proper tire pressure is crucial for both. A reliable tire pressure gauge is a practical and affordable gift that every car owner should have in their toolkit. Opt for a digital gauge for accurate readings and easy readability. Regularly checking tire pressure not only ensures optimal fuel efficiency but also extends the lifespan of the tires. It's a small but thoughtful gift that demonstrates your concern for their safety and the longevity of their vehicle.</p>
<p><strong><span style="font-size: 18px;">Car Detail Kit: Elevate the Shine</span></strong></p>
<p>A car owner's pride extends beyond the mechanics, and a comprehensive car detail kit is the perfect gift to help them keep their ride looking like it just came off the showroom floor. Look for kits that include high-quality wax, polish, microfiber cloths, and interior cleaners. These products will not only enhance the aesthetic appeal of the car but also protect it from the elements. A well-maintained car is a happy car, and a car detail kit is an excellent way to show your loved one that you appreciate their commitment to keeping their vehicle in top condition.</p>
<p>This Christmas, delight the car enthusiast in your life with gifts that blend practicality with a touch of luxury. From the convenience of a wireless car charger mount to the protection offered by floor mat protectors, the safety assurance of a tire pressure gauge, and the shine of a car detail kit, these thoughtful presents will make this holiday season unforgettable for any car owner. So, wrap up the joy and watch their face light up as they unwrap gifts that reflect your understanding of their passion for the open road.</p>
<p> </p>Car Gifts, Auto Gifts, Christmas gifts for car ownersurn:uuid:48fdd264-ecdd-41a8-9429-8fcfd4807d42weathering-the-strom--a-guide-to-hurricane-preparedness.aspxWeathering the Strom - A Guide to Hurricane PreparednessWeathering the Storm: A Guide to Hurricane Preparedness Introduction: Hurricanes are powerful and destructive natural phenomena that can bring about catastrophic damage to communities, infrastructure, and lives. Being prepared for a hurricane is esse...Wed, 30 Aug 2023 09:36:05 -0700<p><strong><span style="font-size: 24px;">Weathering the Storm: A Guide to Hurricane Preparedness</span></strong></p>
<p><span style="font-size: 18px;"><strong>Introduction:</strong> Hurricanes are powerful and destructive natural phenomena that can bring about catastrophic damage to communities, infrastructure, and lives. Being prepared for a hurricane is essential for minimizing risks and ensuring the safety of yourself, your loved ones, and your property. This article provides a guide to help individuals and families prepare effectively for a hurricane, from understanding the basics to creating a thorough emergency plan.</span></p>
<p><span style="font-size: 18px;"><strong>1. Stay Informed:</strong> Keeping yourself informed about approaching hurricanes is the first step to preparedness. Monitor local TV, weather apps, and radio stations for updated information. Don’t forget to charge your devices and have batteries on hand. </span></p>
<p><span style="font-size: 18px;"><strong>2. Create an Emergency Plan:</strong> Work with your family to create a well thought-out emergency plan. Discuss evacuation routes, meeting places, survival items, and communication methods. Don’t forget a plan for your pets. </span></p>
<p><span style="font-size: 18px;"><strong>3. Build an Emergency Kit:</strong> Establish an emergency kit that can sustain you and your family for at least 72 hours. Some items you might include are non-perishable food, water, medications, first aid supplies, flashlights, batteries, a battery-powered radio, personal hygiene items, important documents (IDs, insurance papers), and cash.</span></p>
<p><span style="font-size: 18px;"><strong>4. Photograph Your Insurance Policy: <span> </span></strong>Locate your insurance declaration page and photograph your information. Make sure you have the claims number to your insurance carrier in case you need to file a claim. </span></p>
<p><span style="font-size: 18px;"><strong>5. Secure Your Home:</strong> Home prevention should take place several days before the storm is predicted to arrive in your area. Board up windows with storm shutters or plywood, trim tree branches near your home, and tie down any outside items that might fly away with high winds. </span></p>
<p><span style="font-size: 18px;"><strong>6. Prepare for Power Outages:</strong> Power outages are common during hurricanes. Stock up on extra batteries, portable phone chargers, and power banks. Consider investing in a generator, but ensure you understand how to operate it safely. Don’t run the generator indoors or in your garage!</span></p>
<p><span style="font-size: 18px;"><strong>7. Post-Hurricane Safety:</strong> Once the hurricane has passed, exercise caution when returning home. Watch out for downed power lines, debris, and standing water. Use flashlights instead of candles to avoid fire hazards. Always check with local officials to see when you can return to your home. </span></p>
<p><span style="font-size: 18px;"><strong>Conclusion:</strong> Hurricanes can cause major damage and are out of our control, however we can certainly control how well we prepare for them. Creating a solid emergency plan, and assembling a well-equipped emergency kit, you greatly increase your chances of staying safe and minimizing the impact of a hurricane on your life. Remember that preparedness is not just a personal responsibility; it's a way to contribute to the resilience of your entire community.</span></p>
<p><span style="font-size: 18px;"> </span></p>Weathering A Storm, Hurricane Preparednessurn:uuid:7e540fa5-46ce-4e8d-a3c6-5a745dd3f239do-i-need-a-renters-insurance-policy.aspxDo I Need A Renter's Insurance Policy?Why do I need a Renter’s Policy? Renters insurance is coverage for anyone living in a non-owned home or apartment and insures the tenant against exposers to unforeseen events such as fire damage or theft of personal property (up to a sel...Wed, 02 Aug 2023 08:57:00 -0700<p style="margin-bottom: 0in;"><strong><span style="font-size: 24px;">Why do I need a Renter’s Policy?</span></strong></p>
<p style="margin-bottom: 0in;"><strong><span style="text-decoration: none; font-size: 24px;"> </span></strong></p>
<p style="margin-bottom: 0in;"><span>Renters insurance is coverage for anyone living in a non-owned home or apartment and insures the tenant against exposers to unforeseen events such as fire damage or theft of personal property (up to a selected limit). Landlords are required to carry insurance on the dwelling and other structures, but not the personal property of the tenant (i.e. clothes, household goods, televisions, computers, furniture, etc.). It is an optional policy that helps tenants replace their belongings after a loss. </span></p>
<p style="margin-bottom: 0in;"><span> </span></p>
<p style="margin-bottom: 0in;"><span>Without a renters policy in effect, tenants are at risk of losing all of their property within the home. If a fire burned down an apartment complex, only those tenants that carried renters insurance would be able to recover for the loss of their possessions; all the others would just be out of luck! Renter policies are recommended for anyone living as a tenant in someone else’s home. The policies are rated based on the total replacement value of their possessions. Before purchasing this coverage, it is recommended that the renter take a full inventory of the possessions that are kept in the home; this helps determine the appropriate limit and adequate coverage. </span></p>
<p style="margin-bottom: 0in;"><span> </span></p>
<p style="margin-bottom: 0in;"><span>Renters’ policies are very affordable and can usually be included as part of a package policy when combined with automobile insurance coverage. By combining the coverage in to a package, there could be additional premium discounts available, making the policy an even better value!</span></p>Renters Insuranceurn:uuid:706efa72-af66-4038-a743-7db1899212fawhat-type-of-insurance-covers-my-food-truck.aspxWhat Type of Insurance Covers My Food Truck?What Type of Insurance Covers My Food Truck? Food trucks have become a popular trend in the food industry, offering a unique and convenient dining experience for customers. However, owning and operating a food truck comes with its own set of risks an...Tue, 11 Jul 2023 09:08:15 -0700<p><span style="font-size: 24px;">What Type of Insurance Covers My Food Truck?</span></p>
<p><span>Food trucks have become a popular trend in the food industry, offering a unique and convenient dining experience for customers. However, owning and operating a food truck comes with its own set of risks and challenges. That's why it's important to have the right insurance coverage to protect your business.<br />
<br />
Food truck insurance is a specialized type of commercial insurance that is designed to cover the unique risks associated with operating a food truck. Here are some of the key types of coverage that you should consider:<br />
<br />
1. General Liability Insurance: This type of insurance provides coverage for bodily injury and property damage that may occur because of your food truck operations. For example, if a customer slips and falls during a visit to your food truck, general liability insurance can help cover the costs of any resulting medical bills or legal fees.<br />
<br />
2. Commercial Auto Insurance: Since your food truck is a vehicle, you'll need commercial auto insurance to protect it in case of an accident. This type of insurance covers damage to your food truck, as well as any other vehicles or property that may be involved in an accident.<br />
<br />
3. Property Insurance: Property insurance covers damage to your food truck and any equipment or inventory that you have on board. This can include things like cooking equipment, refrigerators, and food supplies.<br />
<br />
4. Workers' Compensation Insurance: If you have employees working on your food truck, you'll need workers' compensation insurance to cover any injuries or illnesses that they may sustain while on the job.<br />
<br />
5. Product Liability Insurance: This type of insurance provides coverage in case a customer becomes sick or injured because of consuming food from your truck. It can help cover the costs of any medical bills or legal fees that may arise.<br />
<br />
In addition to these types of coverage, you may also want to consider additional insurance options such as business interruption insurance, which can help cover lost income if your food truck is unable to operate due to a covered event.<br />
<br />
It's important to note that food truck insurance requirements may vary depending on your location and the regulations in your area. It's important to work with an experienced insurance agent who can help you understand your specific insurance needs and requirements.<br />
<br />
<br />
</span></p>Food Truck Insurance NCurn:uuid:2b2fa087-5f91-4e84-85b0-15fd9e39a6c6should-i-purchase-earthquake-insurance.aspxShould I Purchase Earthquake Insurance?Should I Purchase Earthquake Insurance? In an unpredictable world, it's crucial to protect ourselves and our assets from unforeseen events. Earthquakes, with their potential to cause significant damage, serve as a reminder of the importance of being ...Tue, 11 Jul 2023 08:54:24 -0700<p><strong><span style="font-size: 24px;">Should I Purchase Earthquake Insurance?</span></strong></p>
<p>In an unpredictable world, it's crucial to protect ourselves and our assets from unforeseen events. Earthquakes, with their potential to cause significant damage, serve as a reminder of the importance of being prepared. <span> </span>Over the past few years, North Carolina has experienced several earthquakes and tremors. One way to mitigate the financial burden of such disasters is by obtaining earthquake insurance. Earthquake insurance is not included in your homeowner policy, you must add coverage by endorsement or purchase a separate policy.<span> </span>In this article, we will explore the advantages of having earthquake insurance and how it can provide peace of mind during uncertain times.</p>
<p> </p>
<p><strong>1. Financial Protection:</strong></p>
<p>Earthquakes can cause extensive damage to homes, buildings, and personal belongings. The cost of repairs and rebuilding can be overwhelming, often exceeding what most individuals can afford. Earthquake insurance provides financial protection by covering the costs associated with repairing or rebuilding damaged property. With this coverage, you can rest assured that you won't face a substantial financial setback in the aftermath of an earthquake.</p>
<p> </p>
<p><strong>2. Personal Belongings Coverage:</strong></p>
<p>Aside from property damage, earthquakes can also result in the loss or damage of personal belongings. Earthquake insurance typically includes coverage for personal belongings, ensuring that you can replace or repair items such as furniture, electronics, and valuable possessions. This coverage extends beyond the physical structure of your property, offering comprehensive protection for your entire household.</p>
<p> </p>
<p><strong>3. Temporary Living Expenses:</strong></p>
<p>If your home becomes uninhabitable due to earthquake damage, earthquake insurance often covers the cost of your temporary living expenses. This means that you and your family can find alternative accommodations while your home is being repaired or rebuilt, without having to worry about the additional financial burden. This aspect of earthquake insurance provides a sense of security and stability during a challenging time.</p>
<p> </p>
<p><strong>4. Peace of Mind:</strong></p>
<p>Perhaps one of the most significant advantages of obtaining earthquake insurance is the peace of mind it brings. Knowing that you have coverage in place can alleviate anxiety and stress associated with the potential aftermath of an earthquake. With earthquake insurance, you can focus on the safety and well-being of your loved ones, knowing that your financial future is protected.</p>
<p> </p>
<p><strong>Conclusion:</strong></p>
<p>Earthquakes are natural disasters that can strike without warning, leaving behind a trail of destruction. By obtaining earthquake insurance, you can safeguard your financial well-being and protect your property and personal belongings. The advantages of having earthquake insurance include financial protection, coverage for personal belongings, assistance with temporary living expenses, and the peace of mind that comes with being prepared. Don't wait until it's too late – invest in earthquake insurance today and unlock the power of financial security and peace of mind.</p>Should I Purchase Earthquake Insurance?urn:uuid:866bfd10-cfd0-4fea-bdc6-5a33edd3d7aesuggestions-for-homeowners-in-case-your-power-goes-out.aspxSuggestions for Homeowners in Case Your Power Goes OutSuggestions for Homeowners in Case Your Power Goes Out. During the Winter months, we seem to see an increase in power outages due to winter storms. Power outages can also occur from accidents or equipment failures. To help you pre...Sat, 24 Dec 2022 16:45:27 -0800<p><strong><span style="font-size: 24px;">Suggestions for Homeowners in Case Your Power Goes Out.</span></strong> </p>
<p> </p>
<p>During the Winter months, we seem to see an increase in power outages due to winter storms. <span> </span>Power outages can also occur from accidents or equipment failures.<span> </span>To help you prepare for a potential power outage, here are a few tips. </p>
<p> </p>
<p><span>1. </span><span> </span>First stay calm and try not to panic.<span> </span>Most power outages are temporary and might be fixed in a short period of time.<span> </span></p>
<p><span>2. </span>Next give your neighbor a call to see if they are also experiencing an outage.<span> </span>If they don’t have power this is more likely a widespread outage. </p>
<p><span>3. </span>Unplug electrical devices to protect them from a potential power surge when the power is turned back on. </p>
<p><span>4. </span>Gather flashlights and make sure you have plenty of batteries.<span> </span></p>
<p><span>5. </span>Keep your refrigerator and/or freezer closed to preserve the cold air inside.<span> </span>If the power outage is going to be longer than a few hours, you might need to gather the items in your refrigerator and put them in coolers.<span> </span></p>
<p><span>6. </span>Keep plenty of blankets and coats available to keep your body temperature warm. </p>
<p><span>7. </span>If you have a fireplace, then put on some firewood and enjoy the warmth of the fire. </p>urn:uuid:af386bea-bd40-4a21-b56c-1da5824c2a5dsuggestions-for-homeowners-in-case-your-power-goes-out.aspxSuggestions for Homeowners in Case Your Power Goes OutSuggestions for Homeowners in Case Your Power Goes Out. During the Winter months, we seem to see an increase in power outages due to winter storms. Power outages can also occur from accidents or equipment failures. To help you pre...Sat, 24 Dec 2022 16:45:27 -0800<p><strong><span style="font-size: 24px;">Suggestions for Homeowners in Case Your Power Goes Out.</span></strong> </p>
<p> </p>
<p>During the Winter months, we seem to see an increase in power outages due to winter storms. <span> </span>Power outages can also occur from accidents or equipment failures.<span> </span>To help you prepare for a potential power outage, here are a few tips. </p>
<p> </p>
<p><span>1. </span><span> </span>First stay calm and try not to panic.<span> </span>Most power outages are temporary and might be fixed in a short period of time.<span> </span></p>
<p><span>2. </span>Next give your neighbor a call to see if they are also experiencing an outage.<span> </span>If they don’t have power this is more likely a widespread outage. </p>
<p><span>3. </span>Unplug electrical devices to protect them from a potential power surge when the power is turned back on. </p>
<p><span>4. </span>Gather flashlights and make sure you have plenty of batteries.<span> </span></p>
<p><span>5. </span>Keep your refrigerator and/or freezer closed to preserve the cold air inside.<span> </span>If the power outage is going to be longer than a few hours, you might need to gather the items in your refrigerator and put them in coolers.<span> </span></p>
<p><span>6. </span>Keep plenty of blankets and coats available to keep your body temperature warm. </p>
<p><span>7. </span>If you have a fireplace, then put on some firewood and enjoy the warmth of the fire. </p>urn:uuid:ec5ad351-4cbb-4389-b9a2-08090c7069f4how-does-inflation-supply-chain-issues-impact-my-insurance.aspxHow Does Inflation & Supply Chain Issues Impact My InsuranceHow Does Inflation and Supply-Chain Issues Impact My Insurance? With Inflation on the rise, many clients are asking how this might impact their coverage. As many of us have encountered the higher cost of lumber, gas, and building materi...Tue, 15 Nov 2022 15:53:03 -0800<p><strong><span style="font-size: 24px;">How Does Inflation and Supply-Chain Issues Impact My Insurance? </span></strong></p>
<p> </p>
<p>With Inflation on the rise, many clients are asking how this might impact their coverage.<span> </span>As many of us have encountered the higher cost of lumber, gas, and building materials, we can expect the replacement cost value of our property to increase.<span> </span>Below are a few of the policies that will be impacted by inflation:</p>
<p> </p>
<p><span>· </span><strong>Homeowners</strong> – Construction costs have hit all-time highs recently.<span> </span>Replacing a damaged home will be more costly than before.<span> </span>Each homeowner should contact their insurance agent and re-evaluate the replacement cost for their home to make sure they have the proper coverage. </p>
<p><span>· </span><strong>Automobile</strong> – With supply-chain issues and inflation on auto parts, costs of repairing vehicles will also be a major challenge for insureds.<span> </span>Make sure the property damage limit on your auto policy is high enough to cover the value of most vehicles.<span> </span></p>
<p><span>· </span><strong>Commercial Property <span> </span>- </strong>Construction cost, especially lumber, has increased dramatically.<span> </span>Be prepared to increase the replacement cost coverage on your Commercial Property.<span> </span>Verify with your agent that you have enough coverage to cover a total loss. </p>
<p><span>· </span><strong>Commercial Auto – </strong>Chip shortages, parts shortages, and inflation have caused the price of fixing damaged vehicles to increase.<span> </span>You can expect to increase the limits on your auto property damage coverage this year. </p>
<p>Within the next few years, you can expect the cost of your insurance to increase due to supply-chain issues and inflation.<span> </span>Make sure you talk with your agent on ways you can save on your policies and start budgeting for these upcoming price increases. </p>
<p> </p>Inflation and Insurance, Supply Chain and Insurance, urn:uuid:2124d72b-f16c-411a-be25-fda60818c09ewhat-is-covered-on-a-renters-insurance-policy.aspxWhat is Covered on a Renters Insurance Policy?What is covered on a Renters Insurance Policy? Personal Property – remember, this is the property that you own not the property that is owned by the landlord. If you have any electronic equipment, guns, jewelry, or collectables these may...Wed, 09 Feb 2022 10:01:00 -0800<p><strong><span style="font-size: 24px;">What is covered on a Renters Insurance Policy? </span></strong></p>
<p><span style="font-size: 18px;"><strong>Personal Property</strong> – remember, this is the property that you own not the property that is owned by the landlord. If you have any electronic equipment, guns, jewelry, or collectables these may have sub-limits so make sure you discuss these with your agent. Personal property is covered up to the limit you purchase so make sure you do a complete inventory of your personal belongings before you decide on the amount of coverage you need. </span></p>
<p><span style="font-size: 18px;"><strong>Liability & Medical Payments</strong> – this is legal protection from a suit filed against you for being liable for an injury up to your policy limits. Make sure you speak with your landlord to discuss any potential limits they require for your rental agreement. </span></p>
<p><span style="font-size: 18px;"><strong>Additional Living Expenses</strong> – if you find yourself with no place to live because of a fire or water damage to your rental property, this coverage will help you pay for temporary alternate housing for a fixed amount of time until your primary place of residence is repaired. Make sure you check with your agent on the limit of coverage and any time constraints that may apply. </span></p>
<p><strong><span style="font-size: 18px;"> </span></strong></p>
<p><strong><span style="font-size: 18px;">Other Potential Coverages might include:</span></strong></p>
<p><span style="font-size: 18px;"><strong>Jewelry Coverage –</strong> this is protection for your valuable jewelry. This coverage will usually require an appraisal of items that are above a certain value limit. Depending on the value of your jewelry items, you may be required to contact your local jeweler to get an accurate and recent appraisal report.</span></p>
<p><span style="font-size: 18px;"><strong>Replacement Cost for Property - </strong>having a replacement cost endorsement on your policy will provide you with the comfort of knowing if you have a loss, you can purchase an item of like kind without having to pay for depreciation. Without replacement cost coverage, you might only receive $300 for that $1000 couch you purchased several years ago. </span></p>
<span style="font-size: 18px;"><strong><span>Earthquake Damage - </span></strong>Most renters’ policies will exclude earthquake coverage unless you purchase an additional endorsement. If you have an earthquake and your rental property is destroyed along with your personal property and you do not have the earthquake endorsement, your property will not be covered. Make sure you discuss this with your agent and decide if you need to purchase earthquake coverage</span>What is covered on my renters policy?, Greensboro, Burlington, Eden, High Point, Chapel Hill, Raleighurn:uuid:d7df2492-4778-49fc-b938-6dc8fafa0296how-much-is-renters-insurance.aspxHow Much Is Renters Insurance? How much is Renters Insurance? The amount you will pay for renters insurance is determined by several factors. Of course, where you live is part of the equation, but the cost of renters insurance will also depend on the value of the personal pr...Wed, 02 Feb 2022 09:55:00 -0800<p><span style="font-size: 24px;">How much is Renters Insurance?</span></p>
<p><span style="font-size: 16px;">The amount you will pay for renters insurance is determined by several factors. Of course, where you live is part of the equation, but the cost of renters insurance will also depend on the value of the personal property you are planning to insure and the limit of liability coverage you need. </span></p>
<p><span style="font-size: 16px;">Renters insurance is a great value for the price you pay. Renters policies are considered to be one of the best values in insurance. </span></p>
<p><span style="font-size: 16px;">Increasing your deductible and bundling your renters insurance with an auto policy might also provide discounts so ask your agent.</span></p>
<p><span style="font-size: 16px;">So when looking for renters insurance in North Carolina check with your agent to make sure you purchase the right coverage. </span></p>
<p><span style="font-size: 16px;"> </span></p>How Much Is Renters Insurance? Cost of Renters Insurance, Charlotte, Greensboro, Burlington, Raleigh, Chapel Hillurn:uuid:aa3efeba-e200-4824-9ac5-75f6b5b95485planning-a-move-check-out-these-great-ideas.aspxPlanning a Move? Check out these great ideas!Some things to think about if you are planning on moving to a new apartment or home. Start to declutter, over the years, you have surely acquired a lot of items. Plan to review each room and put aside any items y...Fri, 28 Jan 2022 09:47:28 -0800<p><strong><span style="font-size: 24px;">Some things to think about if you are planning on moving to a new apartment or home. </span></strong></p>
<p><strong><span style="font-size: 24px;"> </span></strong></p>
<ul>
<li><span style="font-size: 18px;"> Start to declutter, over the years, you have surely acquired a lot of items. Plan to review each room and put aside any items you might want to sell or give away before the move. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Start looking for a professional moving company, check their online reviews and references before signing a contract. This should be completed several months before the move if possible. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Start gathering boxes and containers to securely pack your belongings in. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Packing – When packing, label the containers/boxes with the room the items were in and the room you expect them to be placed in when you move. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Create an inventory of the items you need to pack.</span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> </span><span style="font-size: large;"> </span><span style="font-size: large;">Check with local stores for boxes or your local moving company might also have boxes for purchase. Don’t forget the packing tape and packing material for those special fragile items.</span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Mail forwarding – make sure you notify the post office of your intended move and the dates. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Make a list of all your bills so that you can contact each company to let them know your new address, and don’t forget to contact your insurance agent. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Gather cleaning materials for cleaning up your current place and the place you are moving to. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Make sure you have contacted the utility companies and verified they have the power, water, phone, and cable ready for the day of your move. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Packing - set time each day to pack items and plan. One idea is to pack one room at a time until you finish packing. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> For clothing, consider using vacuum packed bags to save on space. </span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Taking pictures of the boxes before the move will help you be sure all of the boxes arrive at their destination. Consider numbering your boxes. That way you will easily know if one is missing.</span></li>
</ul>
<ul>
<li><span style="font-size: 18px;"> Taking pictures of your electronic connections such as your tv and wireless router will help you when it is time to reconnect those devices.</span></li>
</ul>
<p> <span style="font-size: 18px;"> Having a good iTunes play list can help reduce the stress level – have fun and enjoy your move.</span></p>
<p><span style="font-size: 18px;"> </span></p>Moving, Apartment Move, Home Moving, Moving Companies, Moving Ideas, urn:uuid:47784269-4d2b-4cc7-a88f-c28e3af76a69what-to-do-in-case-of-a-tornado.aspxWhat To Do In Case of A TornadoWhat To Do In Case of A Tornado Who is at risk? If case of an F5 tornado, everyone in the path of the storm. Seeking shelter safe shelter should be your first priority. People in vehicles People in mobile-homes Elder...Thu, 18 Mar 2021 06:04:33 -0700<p style="text-align: center;"><strong><span style="font-size: 24px;">What To Do In Case of A Tornado</span></strong><strong style="font-size: 10pt;"><span style="font-size: 16px;"></span></strong></p>
<p style="text-align: center;"><strong><span style="font-size: 16px;"> </span></strong></p>
<p><strong><span style="font-size: 16px;">Who is at risk?</span></strong></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">If case of an F5 tornado, everyone in the path of the storm. Seeking shelter safe shelter should be your first priority. </span></p>
<ul style="margin-top: 0in; list-style-type: disc;">
<li><span style="font-size: 16px;">People in vehicles</span></li>
<li><span style="font-size: 16px;">People in mobile-homes</span></li>
<li><span style="font-size: 16px;">Elderly</span></li>
<li><span style="font-size: 16px;">Very young</span></li>
</ul>
<p><span style="font-size: 16px;">You should take immediate action to protect you and your family. </span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">Tornados unlike Hurricanes come with usually no or little warning. When hear local weather forecast talk about severe thunderstorm warnings this could be a sign of potential activity. Remember you should seek shelter before the storm arrives and stay indoors. Have a family plan to know where to go if a storm approaches. If you are outside try to seek shelter immediately. Debris from a tornado is extremely dangerous and can kill you, so seeking shelter in a basement or inside a structure is vital.</span></p>
<p><span style="font-size: medium;"></span></p>
<p><span style="font-size: 16px;">EF Scale</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">Tornados are issued an Enhanced Fujita Scale (EF Scale) based on the estimated wind speeds and related damage. The current EF Scale is listed below:</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">EF0 - 65 – 85 MPH</span></p>
<p><span style="font-size: 16px;">EF1- 85-110 MPH</span></p>
<p><span style="font-size: 16px;">EF2- 111-135 MPH</span></p>
<p><span style="font-size: 16px;">EF3- 136-165 MPH</span></p>
<p><span style="font-size: 16px;">EF4- 166-200 MPH</span></p>
<p><span style="font-size: 16px;">EF5- 200 plus MPH</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><strong style="font-size: 10pt;"><span style="font-size: 16px;">What to do if you see a tornado</span></strong></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: medium;">If you are in your home, move to the basement.</span><span style="font-size: medium;"> </span><span style="font-size: medium;">If you do not have a basement go to an interior wall, closet or bathroom.</span><span style="font-size: medium;"> </span><span style="font-size: medium;">If your property has an underground shelter move to it quickly.</span><span style="font-size: medium;"> </span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">Get under a sturdy table or cover yourself with a mattress to prevent being hit by debris.</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">Stay away from windows and doors</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">If you are in a mobile-home, try to find another structure with a basement if possible. </span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">If you are in a vehicle, try to find ditch. Remember to lay flat. You should be lower than the ground level. </span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: medium;">After the Tornado</span></p>
<p><span style="font-size: 16px;"> </span></p>
<p><span style="font-size: 16px;">Safety is always first, make sure your family and others are safe. If someone is injured, administer first aid and call 911. After a tornado you could have down power lines, and gas pipes could have ruptured so do no use any matches or lighters. For light, use a flashlight or cell phone if possible. Remember to stay calm until help arrives.</span></p>
<p><span style="font-size: 16px;"> </span></p>Tornado Preparedness, Tornado Warning, Tornado Watchurn:uuid:b3ba7498-af4f-446f-ad4d-2d86aa58185bwhen-should-i-schedule-items-on-my-homeowner-policy.aspxWhen Should I "Schedule" Items on My Homeowner PolicyWhen Should I “Schedule” Items On My Homeowner Policy? When it comes to insuring valuable pieces of personal property such as jewelry, artwork, guns, or collectables, you may need more coverage than what your standard homeowner pol...Wed, 11 Nov 2020 15:54:00 -0800<p><span style="font-size: 24px;">When Should I “Schedule” Items On My Homeowner Policy?</span></p>
<p> </p>
<p>When it comes to insuring valuable pieces of personal property such as jewelry, artwork, guns, or collectables, you may need more coverage than what your standard homeowner policy provides.<span> </span>Most homeowner policies provide some limited coverage for these items, but there is a specified amount of coverage per item (which is usually fairly low) and the policy will typically cover those items for the peril of theft only.<span> </span>There is no coverage at all for loss or damage. </p>
<p>If you would like to insure these types of items for their actual value, you will need to list them on your homeowner policy and pay and additional premium.<span> </span>This can be done by scheduling the items individually, which is called “scheduled personal property”, or it can be done on a “blanket” basis which means you insure those items as a group and list one coverage amount for all the pieces combined.<span> </span>To schedule items on your policy, you will need to provide the insurance company with a detailed item description and you may be required to furnish a photo and an appraisal to support the value that you are claiming for the item.<span> </span>Aside from your “valuables and collectibles”, most all other personal property (furniture, electronics, appliances, etc…) will be automatically covered under and up to your personal property limit.</p>
<p> </p>
<p>The types of items that are typically “scheduled” on a homeowner policy are:<span> </span>expensive jewelry, antiques, artwork, furs, guns, and collectibles.<span> </span>It is up to you as the property owner to determine how you want these items to be protected. <span> </span>Check with your agent to verify what items you may need to add additional coverage.<span> </span></p>Putting Coverage on my Jewelryurn:uuid:21cecf13-8151-4585-89b8-e9637ac85f7fthe-history-of-halloween.aspxThe History of HalloweenThe History of Halloween Americans love Halloween! All the candy, the costumes, and the creepy decor cause us much delight but as beloved as the holiday is here in the United States, it didn't originate here. In fact, the history...Wed, 14 Oct 2020 06:30:00 -0700<p style="background: white;"><strong><span style="color: black;">The History of Halloween</span></strong></p>
<p style="background: white;"><span style="text-decoration: none; color: black;">Americans love Halloween! All the <a href="" target="_blank"><span style="text-decoration: none; color: black;">candy</span></a>, the <a href="" target="_blank"><span style="text-decoration: none; color: black;">costumes</span></a>, and the <a href="" target="_blank"><span style="text-decoration: none; color: black;">creepy decor</span></a> cause us much delight but as beloved as the holiday is here in the United States, it didn't originate here. In fact, the history of Halloween dates back thousands of years to the Celtic celebration of Samhain, a festival that marked the end of the harvest and the start of a new year. <span style="background: white;">The day was also said to be a time when the veil between the living and the dead was the thinnest, and when humans could communicate with those beyond the grave. Spooky stuff huh!</span></span></p>
<p style="background: white;"><span style="text-decoration: none; color: black;">Halloween celebrations of the past did not include <a href="" target="_blank"><span style="text-decoration: none; color: black;">glittery pumpkins</span></a> or <a href="" target="_blank"><span style="text-decoration: none; color: black;">princess and superhero costumes</span></a>. Halloween was a time of <span style="background: white;">communing with otherworldly spirits and with big bonfires lit in honor of the dead. They would build bonfires and burn crops and animals as sacrifices