April 27, 2026
AgencyDoes Renters Insurance Cover Lost or Stolen Luggage?
Most renters insurance policies include personal property coverage, which typically protects your belongings against risks like theft, even when you’re traveling. This means that if your luggage is stolen from your hotel room or while you’re in transit, your policy may help reimburse you for the lost items, up to your coverage limits and after your deductible is met. It’s important to note that […]
February 13, 2026
AgencyRenters Insurance and Roommates: How Coverage Works
Sharing an apartment or house with roommates can help you save on rent costs. However, when it comes to financially protecting your belongings and managing risks, it’s important to understand how renters insurance works in a shared living situation. How Does Having Roommates Affect My Policy? Renters insurance can cover your personal property from risks like fire, theft, vandalism or certain weather events. It also provides liability coverage […]
December 20, 2025
AgencyCommon Exclusions in Rental Property Insurance Policies
Rental property insurance is designed for individuals who lease out residential homes, apartments or other dwellings. It may cover the structure itself and certain liabilities related to renting, but does not include every incident involving your property. What Are Common Exclusions in Rental Property Insurance? Understanding what your policy excludes can help you identify potential coverage gaps and take steps such as purchasing additional policies. Below are some […]
November 20, 2025
AgencyRental Property Insurance for First-Time Landlords
Stepping into the role of a landlord for the first time is both exciting and challenging. As you prepare to rent out your property, one of the most important steps you can take is securing the right rental property insurance. At , we understand how crucial it is to protect your investment and provide peace of […]
September 25, 2025
AgencyAuto Insurance for Gig Economy Drivers: What Uber, DoorDash and Instacart Workers Need to Know
As more North Carolina residents turn to gig platforms like Uber, DoorDash and Instacart for flexible income, understanding auto insurance becomes essential. Many drivers are surprised to learn that their personal auto policies may not fully protect them while working. At , we help gig economy drivers navigate these unique insurance needs and avoid costly […]
August 20, 2025
AgencyHow Insurance Adjusters Assess Hurricane Damage – How You Can Be Ready
When a hurricane strikes, the aftermath can be overwhelming. From property damage to emotional stress, the recovery process often begins with filing an insurance claim. One of the most important steps in this process is working with a claims adjuster to evaluate your losses and determine compensation. Understanding how this process works can help you […]
July 18, 2025
AgencyStorm Season Prep: Is Your Policy Ready for the Unexpected?
As storm season intensifies across North Carolina, residents are urged to take a closer look at their insurance policies. With hurricanes, tropical storms and flash floods becoming more frequent and severe, verifying that your coverage is up to date is not just smart, it’s essential. North Carolina’s coastal and inland regions are both vulnerable to […]
May 26, 2025
amatoinsuranceDoes North Carolina Wind and Hail Insurance Cover Damage?
In North Carolina, wind and hail insurance can be a crucial component of property protection, especially for residents in coastal areas prone to severe weather events. This specialized insurance is designed to help cover the cost of damage caused by windstorms and hail, which are common in the state due to its exposure to hurricanes […]
April 20, 2025
amatoinsuranceHurricane Season and Home Insurance: Are You Covered
Homeowners in high-risk areas should verify that their insurance coverage is sufficient to financially protect against potential damage. Hurricanes can cause significant destruction with high winds, heavy rainfall and flooding, making insurance coverage a crucial consideration. Understanding Hurricane Insurance Hurricane insurance isn’t a single policy but a combination of coverages that address various types of […]
March 25, 2025
amatoinsuranceThe Role of Inflation in Home Insurance Costs
Inflation significantly impacts various aspects of the economy, and home insurance is no exception. As inflation increases, the prices of goods and services generally go up, which can directly impact home insurance costs. Understanding Inflation and Home Insurance One of the primary ways inflation can influence home insurance costs is through the increased cost of […]