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What Does Standard Home Insurance Cover?

Your home is probably the most valuable investment and possession in life. Therefore, you want to make sure that is properly protected. One of the most effective ways to do it is to purchase home insurance. Even if you think that it is not a necessary expense, most mortgage lenders require homeowners to have it. If you are currently shopping for this type of insurance and want to know more about it, here is the information on what exactly home insurance covers:

What Is Covered By Standard Home Insurance?

Generally, most home insurance policies include the following coverages:

  • Dwelling. It covers damage to the building itself, as well as other attached structures, such as a porch for example. 
  • Other structures on the property. It could be a tool shed, fence, or any other structure that belongs to your property. 
  • Personal belongings. This coverage pays for the damage or replacement of your personal belongings. 
  • Additional living expenses. If your home is damaged and becomes uninhabitable, so you have to stay somewhere else for a while, this coverage will pay for your temporary dwelling, food, and gas. 
  • Liability. If you injure someone or damage their property through neglect or unintentionally, this coverage will pay for the expenses. 
  • Medical coverage. If a guest or visitor gets injured on your property, this coverage will pay for their medical bills, regardless of who is at fault. 

Glick Insurance – Your Safety Is Our Priority 

If you live in Greensboro, NC or any other town in North Carolina, South Carolina, or West Virginia and need home insurance to protect your home, Glick Insurance is ready to help. We are dedicated to providing all types of insurance to our clients in Greensboro, NC and other nearby areas, including home insurance. Feel free to visit our website or give us a call if you need any assistance or more information. 

Does Auto Insurance Cover Theft?

Do you have a car? If you do, then you may have to pay for auto insurance.

Auto Insurance: What Is It?

Auto insurance protects against liability and damage costs incurred due to an accident or other incident with someone else’s vehicle (or property). This coverage typically includes bodily injury to others involved in the accident as well as damage done by your vehicle, such as collision repair, medical payments or hospital bills, and property damage. It is important to note that bodily injury liability can include any amount of medical bills incurred during the accident, regardless of who is at fault (up to the limit of your coverage). Auto insurance thus serves as protection in case you cause an accident and must pay damages, or in case you are sued because someone else caused an incident through negligent behavior.

What About Theft?

If you have comprehensive coverage, it can cover theft of your vehicle or damage done to it. Comprehensive coverage is also known as "other than collision" (OTC) and does not require a claim against someone else’s car to be valid. That means you’re covered if your car was broken into, vandalized, or stolen with no fault on your part. When you purchase a policy, be sure to read the fine print to determine exactly what you are and aren’t covered for.

What Happens If You Don’t Have Auto Insurance?

Driving without insurance is illegal in most states. It can lead to ticket fines or more severe legal penalties. Also, if you are involved in an accident and don’t have auto insurance, it’s possible that the other party can sue you for damages. Depending on what coverage your state requires and the severity of the accident, you might end up paying a lot for damage to someone else’s property or injuring them with no insurance to cover it.

If you are looking to purchase an auto insurance policy, it’s also a good idea to have adequate comprehensive coverage as well. You can contact Glick Insurance with further questions regarding obtaining this type of coverage. Glick Insurance has helped many Greensboro, NC, residents get the proper insurance they need.

What commercial insurance is required in North Carolina?

Owning a business of any size comes with risks. Some risks are common to almost any business, others are particular to certain types of business. Having an independent insurance agent who takes the time to understand what risk your business faces is important. At Glick Insurance in Greensboro, NC, we take pride in providing our clients with the finest possible customer service. We understand commercial insurance and we will make suggestions about the right insurance for your business. 

Commercial auto insurance

Your business needs to cover any vehicles it owns with commercial auto insurance. The required amount is 30/60/25. That is $30,000 for the first injury in an accident with a total for any single accident of $60,000. Property damage is covered by up to $25,000. 

Workers compensation insurance 

Workers compensation is required for employers with 3 or more employees. Nearly 100,000 non-fatal work injuries are reported every year in North Carolina. Workers’ compensation insurance protects both employers and employees. 

While these are the mandated commercial insurance, your business can benefit from some that are not required, 

Commercial property insurance

You can’t operate your business if you lose the things you need to do business, including your location. Property insurance covers all the things you need, like machinery, office equipment, inventory, raw materials, in addition to the physical building. 

Commercial liability insurance

Businesses are vulnerable to being sued. Small businesses are particularly vulnerable, with as many as 50% getting sued in any given year. Commercial liability insurance can help your business weather legal action against it. 

Business interruption insurance

When adversity hits, your business may not be able to operate. You still need income if you are going to survive. This insurance supplies the cash you need to pay your bills and make your payroll. 

Contact Glick Insurance in Greensboro, NC with your commercial insurance questions and needs. 

Home insurance FAQs

Home insurance is not required by the state of North Carolina but it is required by your lender. Even if it isn’t mandated, it is a good idea to protect your major investment. Home insurance isn’t just one type of insurance, it provides a variety of different protections. At Glick Insurance in Greensboro, NC, customer service is our first priority and making sure you get the right insurance at the right price.

Does home insurance cover my personal property?

Yes, contents coverage is included with home insurance. You have two options; replacement cost and actual cash value. With actual cash value, the age of your items is taken into account. With replacement cost, older items can be replaced at today’s prices. Your personal property is covered in your home but also away from home when you travel and have it with you. 

Does home insurance cover flooding?

No, flooding is not covered by home insurance. Flood insurance is available for purchase if you need it. 

If I get termite damage will my home insurance pay for the repairs?

No, home insurance does not pay for termite damage. As a homeowner, the insurance company expects that you will maintain your home. You are responsible for getting termite prevention treatment and it is considered negligent for you to have insect damage to your home. 

If my dog bites someone, will my home insurance pay for medical bills?

As long as your dog is not one of the restricted breeds, home insurance should cover a dog bite. Check to make sure the breed of dog you have is covered. 

If I drive into my garage door, is it covered under my home insurance or auto insurance?

Since a garage door is part of your home structure, it is covered by home insurance. 

Contact Glick Insurance in Greensboro, NC for all your home insurance needs. 

Risks of Driving Without Insurance

All states have laws regarding the requirement for drivers and car owners to carry the minimally required amount of auto insurance coverage. Unfortunately, because state laws mandate auto insurance, there are huge risks of driving without it. Ultimately, the price you have to pay will outweigh the savings you experience by forgoing auto insurance coverage in Greensboro, NC. 

If you are driving without insurance, give our agents a call today at Glick Insurance to discuss coverage options available. 

What happens if I get into an accident without auto insurance?

If you are found at fault for an accident you will be held liable for everything for boldly injuries to property damage. You also risk paying fines, having your vehicle impounded, and having your license suspended. 

If you are not found to be at fault, you may still face fines, having your vehicle impounded, and having your license suspended. Additionally, without insurance, it is more difficult to receive compensation from the at-fault driver’s insurance company. 

What are the financial costs associated with driving without insurance?

Driving without insurance can be costly, especially when caught. The financial costs you pay can go beyond what you would have paid for insurance coverage. The consequences for driving without insurance varies depending upon the state where you were driving and pulled over. In most situations, if this is your first offense, you typically are fined and given time to get the required insurance. In some cases, you risk having your driver’s license and registration suspended until you pay the fines and show proof of insurance coverage. 

Do not let yourself get caught driving without auto insurance in Greensboro, NC. Call Glick Insurance today to discuss coverage options and get the coverage you need today. 

What could happen if I do not continue to carry home insurance?

People that are in the Greensboro, NC area should consider becoming property owners as there are a lot of long-term benefits that come with owning a home.  If you do have a property, having the right insurance is always very helpful and important. If you do not maintain the right type and level of insurance coverage for your home, you could face a few different risks. 

Damage that Will Not is Covered

One of the risks that come with not carrying home insurance is that you will not be covered if your home is damaged. Even if you maintain your home properly, there will always be a risk that your home could be damaged by a fire, bad weather, and other unpredictable events. If this occurs and you do not have insurance in place, you will need to pay for the damages yourself. This can be a significant expense that some may not be able to pay for.

Lack of Liability Protection

Property owners will also enjoy having home insurance as it offers liability support. If you have proper insurance and are named in a liability claim, your insurance plan may provide you with support and financial coverage. If you do not have coverage, you will lose this benefit and will need to pay for any liability damages out of pocket. 

Those that live in the Greensboro, NC area and are property owners always need to have proper insurance in place. If you are going to purchase an insurance plan here, speaking with Glick Insurance first is a good idea. As you are looking for an insurance plan, Glick Insurance will give you the support to choose a plan that will protect your home and give you valuable personal liability coverage. 

Do You Need Commercial Umbrella Insurance in North Carolina?

When you are getting commercial insurance in Greensboro, NC, it is a good idea to consider commercial umbrella insurance. You’ll never know if you need it unless you need it. You never want to be in the position of needing it, and not having it.

At Glick Insurance, we want North Carolina business owners to feel secure and protected every time they open their doors.

What is Commercial Umbrella Insurance?

Many of your existing commercial insurance policies will cover standard problems. Commercial umbrella insurance is intended to give you an umbrella of coverage over the problems in business that aren’t standard. Your existing coverage will cover claims when problems arise, but it may not be enough.

When it’s not, commercial umbrella insurance will be there to protect you. A commercial auto insurance claim may cover your standard claim, but you may wind up in court over it. That’s where your commercial umbrella insurance will come in.

That is just one crisis that commercial umbrella insurance can cover. It can also cover extreme problems of a slip and fall, equipment breakdown, or extensive property damage. There are many cases of defamation, libel, and slander that commercial umbrella insurance can cover as well.

Why Commercial Umbrella Insurance?

Serious and significant claims are what commercial umbrella insurance is for. Many businesses think they won’t need commercial umbrella insurance because they think they will never have a crisis that big. 

There are thousands of slip and falls in emergency rooms in the United States every day. Some of those claims are out for every penny they can get. 

Get a Quote

If you want to protect your North Carolina business from a serious insurance crisis, commercial umbrella insurance is the answer. Call Glick Insurance for a quote today.

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