Category: Home
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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
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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
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Five Trick-or-Treating Tips for Tweens and Teens
Whether you love the tricks or prefer the treats, Halloween is just around the corner and so is the sweet-filled tradition of trick-or-treating. This might just be the year your teen or tween would rather canvas the neighborhood without any grownups tagging along. While a scary transition for parents, it’s also an exciting time as… Read more
