Home Insurance
Home Insurance articles
Everything homeowners and renters need to know about protecting their property.
All categoriesHail damage and your homeowners insurance: what North Carolina homeowners need to know
A single hail storm can cost tens of thousands in roof and siding damage. Here's what your policy covers, what it doesn't, and exactly what to do after a storm hits.
Why a home inventory is the most important thing your policy never requires
Filing a contents claim without documentation is harder than it sounds. Here's how to build a simple inventory before you need it.
Do college students need renters insurance?
On-campus students may be covered under their parents' policy. Off-campus students almost certainly aren't. Here's the difference.
Actual cash value vs. replacement cost: the difference that decides your payout
Two settlement methods that can pay wildly different amounts for the exact same loss. Here's how to tell which one your policy uses.
Water backup coverage: the endorsement most homeowners skip
Sewer backup and drain overflow are among the most common home insurance claims, and one of the most common standard exclusions.
Roof age and home insurance: what every homeowner should know
Your roof's age affects your premium, your coverage terms, and whether a claim pays full replacement cost or a depreciated amount.
Does your renters policy actually cover expensive items?
Sublimits on valuable items are one of the most common reasons renters get less from a claim than they expected.
5 insurance mistakes new homeowners make in the first year
The coverage decisions you make at closing can haunt you years later. Here's what to get right from the start.
The liability part of renters insurance most people forget about
Renters insurance isn't just for your stuff. The liability protection may be the most valuable part of the policy.
Don't forget to update your insurance after a renovation
Home improvements increase your rebuild cost. Your policy doesn't know about them unless you tell your agent.
Choosing the right home insurance deductible
Higher deductibles mean lower premiums, but not always the right tradeoff. Here's how to think about it.
North Carolina flood risk isn't just for coastal homeowners
Inland North Carolina homeowners face real flood risk from tropical storm remnants and river flooding. Standard home insurance doesn't cover it.
Why your homeowners policy needs an update after a renovation
A finished basement or a new kitchen changes your home's rebuild cost, and your policy doesn't update itself.
Your home's market value and your dwelling coverage are two different numbers
Insuring your home for what it would sell for on Zillow is one of the most common and costly home insurance mistakes.