Month: August 2021

What to Consider when Purchasing Renter’s Insurance in NC

Posted on by agentinsure

The contents inside our homes is often overlooked, and it can be expensive to replace if damaged or stolen. If you rent your home, then renter’s insurance will help you avoid a financial loss. Oak Ridge Insurance Services serves the area of Oak Ridge, NC and is available to help you find the right renter’s insurance for you.

Renter’s insurance has several subcategories, but there are two main areas to consider.

Liability

Liability is one of the foundations of any good insurance policy. If someone enters your home and is injured, then do you have enough coverage if you are legally liable? Additionally, liability can cover damage to the property caused by a resident or a visitor if you are legally liable. Consider the policy wording carefully and cover all your bases when it comes to liability.

Loss

Loss is the second area to consider. Your policy will specify a list of perils against which you will be covered. These include disasters like fires and windstorms. Theft is another peril that is usually covered. The third section of perils may include things like water heaters that suddenly crack or break that are not a result of wear and tear. When it comes to loss, compile an inventory ahead of insuring your contents. An inventory is a complete list of the contents of your household. For big-ticket items, specify these in your policy to avoid complications down the line. For jewelry, make sure you have valuations.

Renter’s insurance is not expensive, and for a little bit extra every month you can rest knowing that you are covered against loss, damage, or injury inside your home. Speak to Oak Ridge Insurance Services serving the area of Oak Ridge, NC today.

Are You Working on Both Coasts? You Need Secondary Dwelling Insurance

Posted on by agentinsure

Many people in Blue Ridge GA, have great jobs that may require them to travel a lot. Some may even have homes on two different coasts of the country due to their work needs. If you need secondary dwelling insurance to help you out, contact us at The Insurance Mart to learn more.

What You Need to Know About Secondary Dwelling Insurance 

Secondary dwelling insurance will help you if you need to regularly travel between two homes on different sides of the country for work. It helps cover your second home (whichever you decide meets that label) with an insurance policy close to your standard option. 

For instance, it will help protect against various types of damage, including problems caused by fire, lightning, storms, and much more. It can also help with being away from home for extended periods. 

However, you’ll have to upgrade your policy to pay for things like fires, floods, hurricanes, and much more. And if you have a home on the west coast, earthquake insurance is essential. Adding this extra coverage is critical if you don’t spend a lot of time at that house and miss out on the quake. 

If you’re smart about how you bundle this type of insurance, you might be able to get a policy that covers both of your homes. But, first, you’ll need to find a national insurer, someone who works in various states and who provides comprehensive and coherent help that makes sense. 

Let Us Help You 

If your secondary home is in Blue Ridge, GA, or the surrounding area and you want a policy to keep it safe, please don’t hesitate to contact us at The Insurance Mart right away to learn more. Our team is always standing by to help people like you get the coverage you need.