Category: Renters 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 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
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Firearms Coverage: HO-3 vs. HE-7 Homeowners Policies in North Carolina
If you own firearms, understanding how your homeowners policy responds to theft or disappearance can make a significant difference at claim time. Many homeowners assume all firearms are covered equally under their policy. However, the coverage available under a standard HO-3 policy and an HE-7 policy can vary considerably. At Middle Creek Insurance, we believe… 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
