When you remodel your house, you often change the value of it. Remodeling in Burlington, North Carolina usually creates an increase in value. As your independent agent, we want to make sure you have the homeowner’s policy you need at the best rate available. When you consider home improvements, ask about including some of these ideas that may save you money on your insurance.

Electrical and HVAC systems

If part of your remodeling project includes improvements to your electrical, HVAC or even plumbing system, give us a call. You may be able to reduce the cost of your homeowners insurance policy. Upgrades to electrical and heating systems may reduce the chance of fire. Plumbing improvements lessen the likelihood of water damage from broken pipes.

Fire Safety

A very simple upgrade includes installing new smoke detectors. If you are building an addition, make sure to have a fire alarm installed if needed. Consider having a wired system that sets off all the alarms in your home or notifies the fire department for you. This can provide you with a policy discount.

Swimming pool

You may want to have a swimming pool added to your North Carolina home. If so, have a full fence installed around your pool and include a locking gate. If you have a pool, eliminate the slide or diving board and you may save on your premium.

New windows or a new roof is other good remodeling choices that can help you save. Contact us today; as an independent agent, we can help you find the lowest rates in Burlington, Graham or Mebane, North Carolina. When you work with us, we can provide quotes from multiple companies in one easy step. Comparing quotes provides you with the best coverage for your dollar. Even if your costs rise, you want to protect the investment you have made in your home.

Renters often do not consider the importance of having a personal property insurance policy for protecting their belongings. If you are renting a home or apartment, you need to be aware that the property owner’s insurance does not protect you. As your independent insurance agent for the Burlington, Graham and Mebane, North Carolina area, we want renters to understand why they should consider this type of policy.

Renter’s insurance

A property owner’s policy protects the owner from loss due to fire, storm or vandalism damages. These policies normally provide liability coverage but do not protect the belongings of any tenants in the dwelling. You need your own personal property insurance to cover your furniture, clothing, electronics, jewelry and other possessions if damage occurs from covered events.

Covered events normally include fire and smoke damage, as well as wind and water damage. While Alamance and Orange County are inland enough to avoid hurricane damage, storms may still be a source of numerous problems. Earthquake or flood damage is not covered on basic policies. We can help you determine if flood coverage would be desirable.

Additional protection with your policy

You get additional benefits from your renter’s policy. Coverage is provided for theft of your possessions. Liability coverage protects you if a guest is injured at your residence. If the property you are renting becomes unlivable due to a disaster, your policy can cover your temporary living expenses.

Personal property protection is available for replacement or actual cash value of your property. If you have high-value collections, including fine art or jewelry, you may need additional protection. As an independent agent for Burlington, North Carolina and the surrounding areas, we can help you find the renter’s policy that best meets your needs.