Insurance

11 articles on homeowners insurance — coverage, claims, deductibles, and coastal-specific risks like flood, wind, and hail.

Landlord Insurance for Rental Properties: How It's Different From a Homeowners Policy

You’ll learnWhy a homeowners policy is written around owner-occupancy, and how leaving a carrier uninformed of the change can be treated as misrepresentation

Home Insurance Deductibles: How Choosing the Right One Changes Your Premium

You’ll learnHow a flat-dollar deductible differs from a percentage deductible, which is calculated against dwelling coverage rather than the size of the claim

Bundling Home and Auto Insurance: When It Actually Saves Money

You’ll learnWhy a multi-policy discount is a percentage off one carrier’s own baseline price, not proof of the lowest total cost

Filing a Homeowners Insurance Claim: What to Expect Step by Step

You’ll learnWhy policies expect reasonable steps to prevent further damage, and why receipts for tarping or water extraction are typically reimbursable

Your Homeowners Policy Probably Doesn't Cover This: Sinkholes and Earth Movement

You’ll learnWhat a standard policy's earth movement exclusion typically bundles: earthquake, landslide, mudflow, subsidence, and sinking or shifting soil

Do You Need an Umbrella Policy? How to Think About the Choice

You’ll learnHow an umbrella policy works as excess liability coverage that attaches once homeowners and auto liability limits are exhausted

Flood Insurance and Flood Zones: What Every Buyer Should Check

You’ll learnWhat FEMA's zone designations mean in practice — Zone X, the Zone A and AE Special Flood Hazard Area, and coastal high-hazard Zone VE

Homeowners Insurance 101: What a Standard Policy Does and Doesn't Cover

You’ll learnWhat each named coverage does: dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others

Why Your Insurance Renewal Premium Jumped — and What to Do

You’ll learnHow reinsurance works, and why catastrophe losses at the global reinsurers flow downstream into a homeowner's renewal notice

Wind and Hail Coverage on the Coast: Questions to Ask Before You Close

You’ll learnWhy many coastal homeowners policies exclude wind and hail, leaving a two-policy reality with separate premiums and separate deductibles

The Newcomer’s Guide to Hurricane Insurance: Southport, Oak Island, & St. James

You’ll learnWhy coastal Brunswick County coverage usually stacks three layers: an HO-3 policy, an NCIUA Beach Plan wind policy, and separate flood insurance