By using EFT, you don’t have to remember to pay the bill. Forgetting to pay your insurance premium can ultimately result in a cancellation of your insurance policy, meaning if you get involved in an accident, you won’t have any coverage. The easiest way to ensure payment of your insurance premium is to set up [...]
Under your N.C. auto insurance policy, coverage for rental cars is excluded when it is used for business purposes. Anytime you rent a rental car it is recommended you purchase the physical damage insurance they offer to ensure you will have coverage should anything happen to the rental car while in your possession.
Before any work begins at your home with sub-contractors, it is always recommended that you get a copy of their certificate of insurance to verify they have a current insurance policy in effect.
Due to a recent flood, my home sustained significant water damages. Will my homeowners insurance pay for the flood damages?
Flood damages are excluded under your N.C. homeowners insurance policy and require an entirely separate Flood insurance policy to cover damages caused by floods. You may be surprised to know that a Flood insurance policy is relatively inexpensive in comparison to the damages flooding can cause. The National Flood Insurance Program determines the rates by [...]
It depends on the circumstances. Some policies may require you to house your boat in a territory that is outside of hurricane prone areas during hurricane season. You would need to ask your N.C. independent insurance agency whether your boat policy has that stipulation. Assume your boat is covered due to the hurricane but you [...]
Yes, if you have comprehensive coverage on your auto insurance policy, the damage would be covered, less any applicable deductible.
There are many variables that may determine whether you would have coverage. If you are renting a car for business use, you have no coverage under your personal N.C. auto insurance policy and should purchase the insurance the rental company extends. However, if you rent a car and have comprehensive/collision coverage on any car under [...]
If there is a sewer or water back up in my home, will my N.C. homeowners insurance cover the damages?
No, damages resulting from water and sewer back up are excluded under the standard N.C. homeowners insurance policy, unless you purchase an endorsement that adds the coverage back.
If a neighbor’s tree falls on my house and causes damage, will my homeowners insurance cover it or will their insurance cover it?
If a covered peril caused the tree to fall causing damage to your home, your homeowners insurance will pay for your damages. However, if that particular tree or limb were dead/diseased and as a result falls, your neighbor would be responsible.
Custom parts on cars and motorcycles are excluded under the typical motorcycle or auto insurance policy unless you purchase an endorsement specifically for custom parts coverage. Make sure if you have custom parts on your car and/or motorcycle you discuss it with your local independent insurance agent to ensure you have the proper coverage.