Have you ever asked yourself, “Just what is an umbrella policy?” Or, “Can I use one even if the sun is shining?”
Rest assured, an umbrella policy doesn’t have anything to do with rain.
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Is flood insurance a thing and do I need it?
Water, water everywhere. It’s a homeowner’s nightmare. In fact, as little as one inch of water in a home can cause up to $25,000 in damage. An even bigger nightmare? Finding out your homeowner’s policy doesn’t insurance against flood. Spoiler alert: most don’t.
Should you consider earthquake insurance?
We don’t hear a lot about earthquakes here in North Carolina. Or at least we didn’t use to hear about them. But on August 9, 2020 a 5.1 magnitude earthquake sent tremors throughout the state, along with a lot of questions along the lines of “Did you feel that?”
2020: The year that keeps on giving (one crisis after another)
If 2020 has taught us anything, it’s that you never know what’s coming next.
For example, in August, one week in North Carolina started with a hurricane and ended with an earthquake. Guess what’s not included in standard homeowner’s insurance coverage? Damage from flooding and…earthquakes.