Category: HomeOwners Insurance
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Understanding “Back Up of Sewer & Drains” Coverage: HO-3 vs. HE-7 vs. HE-7 with HE-20 vs. HE-7 with HE-21
At Middle Creek Insurance, one of the most common surprises prospective homeowners face is discovering that water backing up through sewers or drains is often not covered the way they expected. “Back up of Sewer & Drains” is not a flood policy. And not all homeowners are the same when it comes to these situations. Read more
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Silver in North Carolina Homeowners Policies. Let’s look at coverage options.
Apex NC Independent Insurance Agent, Condo Unit Owners Insurance, Erie Insurance Agent Raleigh NC, Fuquay-Varina NC Independent Insurance Agent, Garner NC Independent Insurance Agent, Holly Springs NC Independent Insurance Agent, Home, HomeOwners Insurance, Independent Insurance Agent, Renters Insurance, Wake County NC Insurance Agent, Willow Spring NCSilverware Theft Coverage: HO-3 vs. HE-7 vs. HE-7 with HE-20 vs. HE-7 with HE-21 At Middle Creek Insurance, we believe homeowners should understand the fine print—especially when it comes to valuables like silverware, sterling sets, heirloom serving pieces, and collectible flatware. Many homeowners assume all theft coverage is the same, but that’s simply not true. Read more
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The 5-Minute Insurance Check Most People Skip
Most people don’t look at their insurance policy… until something goes wrong. But there’s a quick 5-minute check you can do today that can save you a headache later. 🛑 1. Check your deductible Do you actually know what it is?A lot of people are surprised when a claim happens. 🏠 2. Look at your Read more
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Off-Campus Living in Raleigh area? Don’t Forget Renters Insurance
Planning your student’s off campus rental for 2026 term? As more college students head to the Raleigh area for school, many are choosing to live off campus for the independence, space, and flexibility it offers. Whether it’s an apartment, townhouse, or shared rental with friends, moving off campus is an exciting step—but it also comes Read more
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Why Small Claims Can Cost You More Than You Think
When something small goes wrong—like a minor roof leak, a cracked windshield, or a small water issue—it can be tempting to immediately file an insurance claim. But many homeowners don’t realize that filing smaller claims can sometimes cost more in the long run. Insurance Is Designed for Major Losses Insurance is meant to protect you Read more
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When a Roofer Suggests Filing an Insurance Claim
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, Harnett County NC Insurance Agent, Holly Springs NC Independent Insurance Agent, Home, HomeOwners Insurance, Independent Insurance Agent, Johnston County NC Independent Insurance Agent, Wake County NC Insurance Agent, Willow Spring NCAfter a storm, it’s common for roofing companies to go door-to-door offering inspections and suggesting homeowners file an insurance claim for roof damage. While many roofing contractors are reputable professionals, homeowners should be cautious when a contractor immediately recommends filing an insurance claim before the damage has been properly evaluated. How These Situations Sometimes Work Read more
