Month: April 2015

Is Your Huntersville, NC Home Protected from Plumbing Leaks?

Posted on by AgentInsure

Huntersville, NC is home to NASCAR’s Joe Gibbs Racing and the annual Carolina Renaissance Festival. Our proximity to Lake Norman and golf courses make us a prime recreation area for the Charlotte region. We have our share of commerce, but it is our 47,000 residents that make living here so special.

According to the 2010 U.S. Census, there are just under 10,000 housing units in Huntersville. Each of these housing units faces an unseen risk. It is the risk of water damage from plumbing leaks.

Damage from plumbing leaks can be quite extensive. If it is not noticed for a period of time, plumbing leaks can lead to mold and even structural damage. We tend to view plumbing leaks as a simple, annoying problem. The reality is it can be very costly.

Of course, water damage can come from a variety of sources. Storms, flooding, roof leaks, and sewer back-ups can all lead to damage. If you are not sure what your homeowners insurance covers, it is time for an insurance review. A home insurance review can help put your mind at ease regarding what water damage you are, or are not, protected from. It can also determine if you are covered in adequate amounts.

We are an independent insurance agency. That means we have the ability to seek out many companies to compare rates. This very often results in better coverage or even better rates. Find out for yourself by visiting our website. You can get a comparative quote on your home insurance and auto insurance right online. It is an easy and convenient way to potentially save money. If you prefer, please feel free to contact us to discuss your coverage. We can determine whether or not your Huntersville home is protected from plumbing leaks.

Who Is Liable In A Collision?

Posted on by AgentInsure

Throughout North Carolina, there are a number of attractions. People come from all over the world for the national parks, the beaches, and even the major cities, such as Charlotte and Raleigh. Home prices can be affordable and the economy is strong because of the presence of so many large companies.

When you’re in the 28015 area, it’s important to look at automobile insurance. More importantly, you want to know about coverage so you can be well protected.

If you’re in a collision and it was your fault, then you are the one liable for the entire aspect of the accident. This includes property damage as well as any personal injuries.

Within North Carolina, the state mandates the minimum levels of coverage that you need to maintain on a policy at all times. This is the liability coverage. If you have $25,000 worth of coverage for property damage and the collision totals up to $50,000 worth of damage, the remaining $25,000 is not going to be covered by the car insurance and that’s because you don’t have the coverage. This means that the $25,000 that isn’t covered is your financial responsibility.

Liability is a big deal and therefore you need your automobile insurance policy to protect you. Increasing the liability on your policy isn’t as expensive as you may think. Doubling or even tripling the coverage isn’t going to double or triple the cost of your premium – and that means you can add a significant amount of coverage and only spend a little bit of money.

At fault versus no fault states determine liability differently. If you’re in a no fault state, then you would be responsible for what happens on your end with the collision and the other driver would be responsible for what happened on their end.

Either way, we have agents to help with coverage.