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Do Solar panels affect your homeowners rates?

31 Jul
Do solar panels affect your home insurance rates?

While solar panels are not yet a mainstream source of power there are getting much closer. More and more people are putting panels on their roof to power their homes and even sell power back to the local utility. According to GTM Research, a new solar system was installed every four minutes in 2013, and […]

Homeowners Insurance And Mold: What Is Covered?

08 May
Is mold covered under your home insurance policy?

The last thing any homeowner wants to hear is that they have mold in their home. It instantly brings to mind terrifying stories of toxic mold poisoning you and your family. Even if the mold proves not to be toxic, you can expect a long, difficult and very expensive cleanup before your house is back […]

Flood Insurance Update – they are working on a bill to lower the premium increases

12 Mar
Biggert-Waters Flood Insurance Reform Act

The Florida real estate industry, as well as buyers and sellers of Florida property, are excited about a plan that will scale back the changes to the National Flood Insurance Program which have sent premiums skyrocketing. Huge premium increases have had a dramatic affect on Florida, North Carolina, and Georgia real estate, making the cost […]

Property Claims Satisfaction Continues to Improve: J.D. Power

07 Mar

According to the recently released results of the J.D. Power 2014 Property Claims Satisfaction Study the best way to keep homeowners happy during the claims process is to keep them apprised from start to finish. Satisfaction among homeowners who filed a claim on their homeowners policy between April 2012 and January 2014 averaged 840 on […]

Is my home considered “high risk”?

21 Feb
Managing High Risk Homes

Is your home sitting in the middle of a flood zone, on a fault line or in the middle of tornado alley? If so you may be looking at a hefty home insurance bill because your home will be considered high-risk. High-risk homes come in all shapes and sizes and the risk factors vary depending […]

Quick! Prepare Your House For Winter Weather

25 Jan
Prepare your home for cold winter weather.

Winter weather can be hard on your house as well as your homeowner’s policy. Frozen pipes, ice dams and falling trees can lead to expensive claims and in many cases a rate increase. It pays to not only prepare your home for winter but also maintain it properly during the winter season to help prevent […]

The Coverage Limits Under the National Flood Insurance Program

02 Oct
NFIP Flood Insurance Tips & Information

It seems that people who live along the Atlantic Ocean and Gulf of Mexico coasts of the United States have to endure hurricanes and tropical storms almost throughout the year. The Atlantic hurricane season lasts for about six months of the year from June till the end of November and peaks during the middle of […]

How do Insurers Calculate Home Insurance Premium Rates?

18 Sep
Calculating Home Insurance Premiums and Rates

Over the past decade or so, homeowners across the United States have seen a steady increase in their home insurance premium rates. The rates have risen by 36 percent across the nation from 2003 to 2010 and states such as North Carolina, South Carolina, Georgia, Florida, and Alabama have witnessed some of the sharpest spikes […]

The Home Insurance Scenario in the High-End Neighborhoods of Raleigh, NC

27 Aug
Buying a home and insurance in Raleigh NC

Prospective homeowners scouting for houses in Raleigh (North Carolina) have a tough choice to make. Most of the high-end neighborhoods of the city offer numerous amenities that are almost impossible to overlook—proximity to reputable school districts, near entertainment and recreation spots, and with easy access to the commercial quarters of the city. On the other […]