Category: Condo Unit Owners Insurance
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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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Is Your Jewelry Really Protected by Your Homeowners Insurance?
Angier NC Independent Insurance Agent, Apex NC Independent Insurance Agent, Condo Unit Owners Insurance, 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, Johnston County NC Independent Insurance Agent, Wake County NC Insurance Agent, Willow Spring NCFor many homeowners, jewelry is more than just an accessory—it’s a symbol of life’s most meaningful moments. Whether it’s an engagement ring, a family heirloom, or a luxury watch, these treasured items deserve the right protection. What many people don’t realize is that not all homeowners insurance policies provide the same level of coverage for… Read more
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Understanding Cash Limits on Homeowners Policies: HO-3 vs. HE-7
At Middle Creek Insurance, we believe homeowners should understand not only what their policy covers—but also the limitations hidden inside the policy. One commonly overlooked difference between homeowners policy forms involves coverage for cash, coins, bank notes, and similar valuables. Many homeowners are surprised to learn that standard homeowners policies place strict limits on how… Read more
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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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How Fast Can Water Damage Spread in Your Home?
Water damage can develop quickly—and understanding the timeline can help you respond sooner. From the first few hours to days later, moisture can affect flooring, walls, and other materials throughout your home. At Middle Creek Insurance, we’re here to provide helpful information so you can make informed decisions about your property and insurance options. If… Read more
