Insurance FAQ etc.

Coming Soon: NC Home Owners Beware!!!

2010-08-24T12:59:00.001-07:00

Hey everyone! I just wanted to let you know that I am working on a new blog post that will be very informative to anyone who owns a home and has home owners insurance in North Carolina. Beware!!! Your rates are probably getting ready to increase (and possibly increased significantly!!!). I will let you know more about it ASAP. Please stay tuned...

How to save money on your car insurance

2010-06-24T06:09:00.000-07:00

Hey all. This will be a really short post. I saw this on Yahoo! today and thought that I would share the link. It is on how to save money on your car insurance. These are legitimate tips that I as an insurance salesman look for to save people money.

Here it is:

http://finance.yahoo.com/insurance/article/109904/12-car-insurance-cost-cutters?mod=oneclick

Remember to share this blog with people who you feel may be able to benefit from it.

Umbrella? But it's not raining...

2010-05-25T13:10:00.000-07:00

Have you ever heard of an Umbrella policy? You may not even be aware of its existence or know that it can be for a personal policy and not just commercial. An umbrella policy is an insurance policy that goes over the limits of existing policies. Most personal umbrellas cover home, auto, and boats. It is called an Umbrella because it goes over your existing policies and provides additional liability coverage. However, the Umbrella is for LIABILITY ONLY. This means that if there is physical damage to your home, the umbrella will not go into effect. However, it is there to protect your assets and future income in the event that you have a liability claim that exhausts what your current limits are. Typically Umbrellas come in increments of $1 million dollars, most being $1 or $2 million. So, if you have a Auto policy with $300,000 liability limits, a homeowners with $150,000 liability limit, and a $1 million dollar umbrella, you personally are covered for $1,300,000 of auto liability and $1,150,000 homeowner liability. The Umbrella policies are very inexpensive and I would recomend one if you have a little extra money to spend on your insurance policy and want to make sure that you are fully covered incase of a claim. Just remember, once your policy limits are exhausted, you can be sued for the rest of the claim, which would go against your personal assets and future income. Hope this helps and look for more posts coming soon. Remember, if you have any question, just post a comment and I will look into it for you!

2010-05-21T10:50:00.001-07:00

Hello all! This is my first official post on my new blog. I have decided to provide a service to all who ask, by creating a FAQ of sorts for the scary and dreaded world of ... INSURANCE. Since I am a licensed agent in North Carolina, I thought that I would make my services available to those who have questions. I hope that you will come to this site and find answers to questions you may have. You can ask me any question on the subject of insurance (particualarly Home, Auto, Renters, Personal Umbrella, and Commercial- including Work Comp, General Liability, Business Auto, Commercial Umberella, Business Owners, and Commercial Package Policies). Feel free to post your questions in the comments section and I will do my best to get them answered as soon as possible. Thank you and enjoy!