If you are trying to find out if a deceased relative in Burlington, North Carolina had a home insurance policy, call your independent agent and see if the company can give you any tips on finding your information.

It may be difficult trying to find out if a deceased person had a homeowner’s policy and what insurance company was holding the policy. Try to find out where the deceased kept all their personal paperwork. You will have to go through all paperwork, old and new plus all bills and mail received. Homeowner’s coverage will send out monthly statements, so watch the mail closely.

If the deceased person has a mortgage on their home, call the mortgage company, and they can tell you who the home insurance company is because the name of the company will be listed on the mortgage note.

If the deceased did not have a mortgage on the home, you can still contact the mortgage company. Ask the mortgage company for the name of the last known homeowner’s policy company. They will give you the name of the home insurance company that is listed on the paid off mortgage. This is a good place to start, as most people do not change insurance companies.

If you know that the person had automobile policy coverage, call the independent agent, if the company is known, and perhaps the insurance agent also insured the home.

Insurance companies in Burlington, North Carolina use a database on all clients. See if you or your independent agent can access the database and if there is any record of inquires from homeowner’s insurance policy regarding the deceased person.

Review the person’s mail often as insurance companies will send out monthly statements, especially for a homeowner’s insurance policy.

For those in Burlington, North Carolina, having the right type of insurance is critical no matter if you own a home or if you are renting it. In many situations, individuals are not sure if they need to carry insurance if they are renting. However, before you decide against it, consider the following.

What the Owner Is Responsible For

In nearly all situations, a rental property needs to have insurance. The owner of the property needs to protect his or her investment. That includes the building and the land surrounding it. In most cases, the owner of the property will need to carry proper insurance to cover any losses associated with these items, such as fires or vandalism. Additionally, owners need to have liability protection to avoid any lawsuits related to falls or injuries on the property.

What Is the Renter Responsible For?

On the other hand, the renter also needs to have adequate insurance protection. In this case, the insurance needs to provide for the renter’s personal belongings. The rental owner does not have any responsibility towards your belongings. In fact, most insurance plans like this will exclude your belongings from losses. As a renter, you should carry renter’s insurance no matter if you are living in a house or an apartment. Additionally, having liability coverage is important for situations such as someone being hurt within your home.

Getting the Burlington, North Carolina insurance you need does not have to be difficult. Talk to our independent agent about your needs. Get competitive quotes for renter’s insurance or homeowners insurance, depending on who you are in this process. Protecting your real estate is critical to ensure there is no loss from fire, weather, vandalism, theft, or even from accidents.