Category: HomeOwners Insurance
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Coverage Questions Don’t Have to Be Scary
Halloween is full of scares, surprises, and plenty of questions — but your insurance coverage shouldn’t be one of them. Join M.C. and the Frog from Middle Creek Insurance as they talk through a few spooky “what if” situations, from ghosts and vandalism to unexpected surprises around the house. The goal is simple: know what… Read more
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Working Parents Have Enough on Their List — Add an Insurance Check-In This Fall
National Working Parents Day is a useful reminder that life changes can also mean insurance questions are worth revisiting. As we head toward fall in North Carolina, consider whether anything has changed since you last looked at your policies: Insurance policies differ by carrier and individual circumstances, so the answers are found in your actual… Read more
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Is Your Boat Covered by Your Homeowners Insurance?
Angier NC Independent Insurance Agent, Apex NC Independent Insurance Agent, Erie Insurance Agent Raleigh NC, Fuquay-Varina NC Independent Insurance Agent, Garner NC Independent Insurance Agent, HO3 versus HE7 coverage series, Holly Springs NC Independent Insurance Agent, HomeOwners Insurance, Recreational Vehicle Insurance, Recreational Vehicle Insurance, Wake County NC Insurance Agent, Watercraft and BOAT Insurance, Willow Spring NCAs boating season ends, many North Carolina homeowners are getting their boats ready for storage. But before you put your boat away this fall, there’s another important question to ask: How much protection does your homeowners insurance actually provide for your boat? Many homeowners are surprised to learn that their homeowners policy may provide only… Read more
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North Carolina Rental Property Owners: Review Your Dwelling Policy Before October
North Carolina property owners may see changes to dwelling-insurance premiums later this year. The North Carolina Department of Insurance announced that dwelling-policy base rates will increase by an average of 5% statewide beginning October 1, 2026. A second average statewide increase of 5% is scheduled for October 1, 2027. Actual changes may vary by territory,… Read more
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Understanding Standard Homeowners Forms in North Carolina
Homeowners insurance policies are available in several forms, and each form is designed for a different type of residence and coverage structure. Here is a general overview of forms commonly discussed in North Carolina: HO-2 — Broad FormGenerally provides coverage for the dwelling and personal property when damage is caused by a peril specifically listed… Read more
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Is Your Garage or Shed Covered if you use it for Business?
Angier NC Independent Insurance Agent, Apex NC Independent Insurance Agent, Erie Insurance, Erie Insurance Agent Raleigh NC, Garner NC Independent Insurance Agent, Harnett County NC Insurance Agent, HO3 versus HE7 coverage series, Holly Springs NC Independent Insurance Agent, Home, HomeOwners Insurance, Independent Insurance Agent, Insurance for Business Owners, Johnston County NC Independent Insurance Agent, Renters Insurance, Wake County NC Insurance Agent, Willow Spring NCThink Your Homeowners Insurance Covers Every Building on Your Property? Think Again. Many homeowners know that their homeowners insurance covers the house they live in, but fewer understand how coverage works for other structures on their property. Detached garages, workshops, sheds, barns, gazebos, and similar buildings are typically covered under the “Other Structures” section of… Read more
