Hurricane Insurance in Havelock, North Carolina

Natural disasters can strike without warning, leaving a trail of destruction in their wake. Hurricanes are among the most damaging disasters and may have devastating impacts on homes and communities. Many homeowners turn to hurricane insurance to protect against the financial aftermath of a hurricane.

Contact the agents at Amato Insurance Group today to learn more about getting coverage for your Havelock, New Bern or Morehead property.

What Is Hurricane Insurance?

Hurricane insurance is a specialized type of insurance coverage designed to protect policyholders from the financial losses incurred due to damage caused by hurricanes. This term may not refer to a single type of policy, but rather a collection of coverages, such as windstorm insurance and flood insurance. When purchased separately or added as an endorsement to standard homeowners insurance policies, these components may provide critical financial protection from out-of-pocket financial losses.

What Does Hurricane Insurance Cover in Havelock and New Bern, NC?

Hurricane insurance may provide coverage for various aspects of hurricane-related losses and damages. Although the exact capabilities and limitations of policies may vary, hurricane insurance may commonly include the following features:

• Property damage coverage—Hurricane insurance typically covers damage to your home and personal property caused by high winds, heavy rainfall, flying debris and storm surge. This can include damage to your roof, windows, walls and belongings.
• Additional living expenses coverage—If your property becomes uninhabitable due to hurricane damage, your insurance can help cover the cost of temporary living arrangements, such as hotel stays or renting a temporary residence.
• Debris removal coverage—Hurricane insurance often includes coverage for the cost of removing debris from your property, which can be a significant expense after a hurricane.
• Outdoor structures—Your coverage may also extend coverage to detached structures on your property, such as sheds, garages, gazebos and fences.

How Do Hurricane Deductibles Work?

Hurricane insurance commonly includes a separate deductible from the standard clause in your homeowners policy. As such, even if you’ve already reached your homeowners insurance general deductible for a given plan year, you may be required to pay additional out-of-pocket costs to receive financial assistance following a hurricane.

What’s Not Covered by Hurricane Insurance?

Hurricane insurance does not typically cover flood damage, including storm surges, which requires a separate flood insurance policy. Damage to high-value personal items may also be excluded unless additional coverage was purchased beforehand. Additionally, wear and tear or pre-existing damage is not covered, and some policies may have special deductibles that apply only to hurricane-related claims.

Do Renters in North Carolina Need Hurricane Insurance?

North Carolina renters are not required by law to have hurricane insurance, but it is typically recommended due to the state’s vulnerability to coastal storms. A standard renters’ insurance policy may cover wind damage to personal belongings but not flood damage, which requires a separate flood policy. Considering the frequency of hurricanes in the region, having both renters’ and flood insurance can provide more complete protection.

In Conclusion

Hurricane insurance is a valuable financial safeguard for homeowners in hurricane-prone areas, providing financial protection against the devastating consequences of these natural disasters. Understanding what hurricane insurance covers and how deductibles work is crucial for making informed decisions about your insurance needs. Investing in this specialized coverage can mitigate the financial risks associated with hurricane damage and secure peace of mind for you and your family.

With over a decade of experience serving homeowners, families and businesses, the dedicated staff at Amato Insurance Group is well-equipped to help you assess and address your coverage needs. Contact us today to learn more about hurricane insurance options or to get a personalized quote.

Rental Property Insurance in New Bern, Morehead

Owning rental property in North Carolina can be a rewarding investment, but it also comes with unique risks and responsibilities. At Amato Insurance Group, we understand the challenges landlords, property managers and real estate investors face in the New Bern, Morehead area and surrounding communities. Our team is dedicated to helping you safeguard your rental properties with tailored insurance solutions.

What Is Rental Property Insurance?

Rental property insurance, also called landlord insurance, is designed to protect property owners from financial losses related to their rental units. Unlike standard homeowners insurance, this coverage addresses the specific risks associated with renting out a property, such as tenant-caused damage, loss of rental income and liability claims.

Key Coverage Options

Rental property insurance policies in North Carolina may include the following:

• Property coverage may cover damage to your building from fire, storms, vandalism, or other covered events.
• Liability coverage may protect you if someone is injured on your property and you’re found legally responsible.
• Loss of rental income may reimburse you for lost income if your property becomes uninhabitable due to a covered loss.
• Optional add-ons may provide coverage for detached structures, equipment breakdown or landlord furnishings.

Who Needs Rental Property Insurance?

If you own single-family homes, duplexes, apartment buildings or other residential rental properties, rental property insurance can help financially protect your investment. Property managers and real estate investors may also benefit from specialized coverage to address the risks unique to managing multiple units or properties.

Why Choose Amato Insurance Group?

Our team has extensive experience working with landlords and property owners throughout North Carolina. We take the time to understand your specific needs and recommend coverage options that fit your properties and budget. Whether you’re new to real estate investing or managing a large portfolio, we’re here to help you navigate your insurance choices with confidence.

Protect Your Investment Today

Don’t leave your rental property exposed to unexpected risk. Contact us today to get started.

Windstorm Insurance

Windstorm Insurance For Coastal North Carolina

Severe wind could damage any property in the right circumstances. Here in eastern North Carolina, we’re very familiar with the damage high winds, not to mention hurricanes and tornadoes, can do. It’s imperative that you protect your property with the correct windstorm insurance. However, your standard homeowners insurance might not offer you adequate coverage in some cases.

For help augmenting your home insurance with strong wind coverage, just contact Amato Insurance Group. We proudly serve the greater New Bern area, including Havelock, Morehead City, Cherry Point and Emerald Isle, and we understand how critical it is for our neighbors to have adequate windstorm coverage. Our expertise will help us help you get the strongest protection possible.

If you’re ready to get covered, then contact us at (252) 447 – 8178 or request a quote online now!

Common Windstorm Insurance Questions

Personal Umbrella Insurance in Havelock, NC

Life is full of uncertainties and unexpected mishaps. While it may be impossible to ensure nothing ever goes wrong, you can at least ensure that you’ve retained the ability to manage the aftermath of difficult situations. Incidents affecting others for which you are to blame can be particularly impactful, as resulting financial losses and lawsuits could impose far-reaching hardship. That’s where personal umbrella insurance stands out as a potentially critical layer of coverage.

What Is Personal Umbrella Insurance?

You may already understand the importance of liability coverage within your various insurance policies. Whether considering the personal liability coverage in homeowners or renters insurance, or the auto liability coverage required for most motorists, these fixtures of policies are often among their most critical financial protections.

However, your policies typically have coverage limits, meaning that even if you’re involved in an incident for which you’ve retained insurance, particularly costly situations could still leave you facing out-of-pocket losses. Fortunately, personal umbrella insurance can serve as a form of backup coverage, potentially lending additional aid should the losses arising from incidents for which you are liable exceed other policies’ capabilities.

What Does My Policy Cover?

Your personal umbrella insurance can offset losses arising from many types of accidents or other situations. Consider the following real-life examples:

• If you accidentally start a fire that eventually spreads to neighboring homes, the resulting losses could exceed your homeowners insurance’s personal liability coverage limits. In this situation, personal umbrella insurance could offer additional aid.

• If you have a guest over and they are seriously injured after slipping on a wet floor, your liability coverage may not be sufficient to pay for their medical bills. Fortunately, remaining losses could potentially be paid for by personal umbrella insurance.

• If you are the at-fault party in a severe car accident, costs arising from other parties’ injuries and property damage could quickly exhaust your auto insurance liability coverage limits, making it necessary to have personal umbrella coverage or otherwise face extensive out-of-pocket losses.

How Much Does Coverage Cost?

Personal umbrella insurance rates may be influenced by many details of your situation, such as the following:

• Location

• Driving record

• Number of homes and vehicles you own

• Liability risks (e.g., pets, children and attractive nuisances)

• Credit history

• Previous insurance claims

Learn More

Contact Amato Insurance Group today to get a tailored personal umbrella insurance quote.

Mobile Home Insurance in Havelock, New Bern and Morehead, NC

If you own a mobile home or are considering purchasing one, you need an adequate insurance policy to serve as financial protection against the unexpected.

How Does Mobile Home Insurance Work?

Mobile home insurance, or manufactured home insurance, is similar to homeowners insurance. Its purpose is to cover damage to your mobile home and personal belongings and liability claims. Your policy may have some unique elements based on where your mobile home is located, so make sure to discuss coverages with your agent.

What Does Mobile Home Insurance Cover?

The following are typical coverages in a mobile home insurance policy:

• Dwelling coverage may cover the cost to rebuild or repair the structure of your mobile home, as well as any attached structures, such as a deck or awning.
• Other structures coverage may cover additional structures on your property, such as a shed or fence.
• Personal property coverage may help cover your personal belongings, such as electronics, clothing and furniture.
• Personal liability coverage may provide coverage if you’re legally responsible for third-party bodily injuries or damage to another person’s property.
• Loss of use coverage may pay for hotel costs and other living expenses if you’re temporarily unable to stay in your mobile home due to a covered event.

Is Mobile Home Insurance Required?

Mobile home insurance is not mandated by law, but if a lender is involved, they may require proof of insurance. But even if you purchase your mobile home outright or pay off your loan, mobile home insurance can help protect your home and assets financially.

How to Get Mobile Home Insurance

Amato Insurance Group is ready to assist you in evaluating your mobile home insurance coverage options. Contact us today to request a quote.

Classic Car Insurance

Having the right classic car insurance for your vehicle is essential. Classic cars, also known as antiques, can be expensive investments. Classic car insurance helps financially protect against unforeseen accidents like collisions and vandalism. Selecting a policy can be difficult, as coverage needs vary depending on various factors. Our agency can help you weigh your options and decide on the right policy for you and your classic car.

Who Needs Classic Car Insurance?

Typically, people who own classic, antique or collectible cars need classic car insurance. To qualify, your car generally needs to be:

• At least 25 years old
• Exotic
• Modified
• A modern muscle car

Contact our agency to learn more about classic car insurance qualifications.

How to Get Classic Car Insurance

Amato Insurance Group is determined to help you learn more about classic car insurance. Contact us today to learn more or request a quote.

Long-Term Care Insurance

Long-term care insurance is a coverage option that’s difficult to think about but necessary as we begin the later stages of our lives. Long-term care insurance is one way to help prepare to pay for assistance with routine care and daily activities after you are no longer able to. Our agents are here to help you find a policy that best protects you and your future medical needs.

What Is Long-term Care Insurance?

A long-term care policy can help cover care costs when you have medical conditions, disabilities or disorders that prevent you from routine activities such as bathing, dressing or getting in and out of bed. Every policy is different, but, generally, when you can no longer do two of the six daily living activities, you qualify for benefits. Daily living activities include:

• Bathing
• Dressing
• Caring for incontinence
• Eating
• Toileting
• Transferring
• You can also receive care in a variety of places, including:
• Your home
• A nursing home
• An assisted living facility
• An adult day care center

It’s important to get long-term care insurance before you need it, or else you won’t be able to reap its benefits. Be proactive and contact an agent today.

How to Get Long-term Care Insurance

You can get long-term care insurance by reaching out to one of our agents for further discussion about your needs. Contact us today to get started.

Condominium Insurance in Havelock, North Carolina

Owning a condo comes with many of the same risks as homeownership. Fortunately for condo owners, condo insurance can help protect against financial losses that could otherwise cause hardship. Contact Amato Insurance Group in Havelock, North Carolina, to learn more about condo insurance.

What Is Condo Insurance?

Condo insurance, also known as an HO-6, can provide essential financial protection if your property is damaged or destroyed or you face a personal liability lawsuit. It’s a binding contract between you and your insurance company in which they agree to help pay for covered losses per your policy terms as long as you continue to make premium payments.

What Does Condo Insurance Cover?

A standard condo insurance policy may include the following coverages:

• Personal property coverage may help reimburse you for belongings damaged or destroyed by a covered peril.
• Building property coverage may help pay for interior condo damage (e.g., fixtures and walls) caused by covered losses.
• Personal liability coverage may help cover expenses (e.g., medical bills and legal fees) if a third party (e.g., guest or neighbor) is injured at your property.
• Guest medical coverage may help pay for medical bills if a third party is injured at your condo.
• Loss of use coverage may help cover your extra living expenses (e.g., travel and lodging) if your condo becomes temporarily uninhabitable due to a covered peril.

Is Condo Insurance Required?

Condo insurance isn’t typically required by law; however, your condo or homeowners association may mandate certain limits and coverages. Your lender may also require condo insurance if you have a mortgage on your condo. Condo insurance is recommended for all condo owners, even when it’s not strictly required. Contact Amato Insurance Group to learn more about our condo insurance policies.

How to Get Condo Insurance

Amato Insurance Group can assist you in learning more about HO-6 policy options. For more information, contact us today to request a quote.

Workers’ Compensation Insurance

Accidents happen in the workplace, no matter what precautions you have in place. Workers’ compensation insurance is designed to help cover the costs associated with a work-related injury or illness. We’re here to help you sort through business insurance, including workers’ compensation insurance benefits. Contact us today to get started.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance is a type of business insurance policy that provides benefits to employees if they suffer work-related illnesses or injuries. Workers’ compensation benefits typically include coverage for paying for medical care and lost wages from time missed from work.

Employers also benefit from workers’ compensation insurance, as it can help protect your business from lawsuits and keep it compliant with state regulations.

What Are Workers’ Compensation Benefits?

Workers’ compensation may provide various benefits to employees who experience an injury or illness, including:

• Medical benefits—Employees may receive compensation to cover doctor appointments, hospital visits and medications.
• Wage-loss benefits—If an employee cannot return to work at total capacity, wage-loss benefits may help them supplement their lost income. This benefit may last until the employee has recovered or until the wage-loss benefit limit has been reached.
• Vocational rehabilitation benefits—Employees may receive access to vocational rehab services to help them learn new skills and reenter the workforce after an injury.
• Death/dependent benefits—If an employee loses their life because of a work-related injury or illness, workers’ compensation may help cover funeral costs and lost income. These benefits are typically provided to the spouse or dependents of the deceased.

Worker’s compensation laws vary by state, which may impact the limits and duration of benefits and the type of employers required to have it. Reach out to an agent to discuss specific requirements for your business.

How to Get Workers’ Compensation

We’re ready to help you secure workers’ compensation coverage for your business. Contact Amato Insurance Group today for more information or a quote.

Recreational Vehicle Insurance in Havelock, North Carolina

If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., all-terrain vehicle (ATC) or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Contact us today to get started.

What Is Recreational Vehicle Insurance?

Recreational vehicle insurance is a general term that refers to a variety of policies used to insure vehicles such as boats, motorcycles, RVs, ATVs and travel trailers. Each policy provides unique coverage. Talk to your agent today to discuss specific coverage you may need for your recreational vehicle.

What Does Recreational Vehicle Insurance Cover?

Recreational vehicle insurance helps provide a layer of protection against liability and property damages. Recreational vehicle insurance varies based on the type of vehicle you have. Talk to your agent to learn more about targeted coverage for:

• Boat and watercraft
• Off-road vehicles (e.g., ATVs, golf carts, and snowmobiles)
• Campers
• Coaches
• Motor homes
• Travel trailers

Is Recreational Vehicle Insurance Required?

Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must secure at least the minimum auto insurance required of all drivers in their state of residence.

How to Get Recreational Vehicle Insurance

If you’re in need of a recreational vehicle insurance policy, we’re here to help. Contact Amato Insurance Group today to learn more or receive a free quote.