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Coastline Insurance Associates of NC Blog: homeowner

View the latest blog posts from Coastline Insurance Associates of NC.

There are seven general types of home insurance policies under the industry standard Homeowners 2000 Program, ranging from HO-1 to HO-8 (there is no HO-7) as of 2014. Perils covered under HO-1 policies are very narrow, and they are not sold in all states. READ MORE >>

If you and the guy who wants to steal your television sat down to shoot the breeze, what would you ask him? The chance to pick a burglar’s brain could certainly give you some ideas for home security upgrades, but it’s not a very common opportunity. So, we created some fictional burglar monologues (based on real research). READ MORE >>

You probably wouldn't hold onto the same cell phone for 20 years, right? Home items like your thermostat are no different! While your entire house doesn’t need to be on the cutting edge, these four items are worth upgrading: Homeowners Insurance. If there’s a flood, are you covered? READ MORE >>

What makes something worthwhile? When it comes to your home, it’s all about long-term benefits. These four actions will save you tons of time and money down the road! Plant Trees. If you have a yard that can handle it, planting a few trees on your property will go a long way. READ MORE >>

In general, flood insurance is only available through the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA). A few private insurers offer excess flood insurance. According to FEMA, floods, including inland flooding, flash floods and seasonal storms, occur in every region of the United States and 90 percent of all natural disasters in the U. READ MORE >>

Do you know what types of losses your North Carolina home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover? Knowing the limitations in your policy is the first step to finding the fix. READ MORE >>

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