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If you walk down your block, you might see sheds, gazebos, pools and fences dotting your neighbors' property. Ever wondered if those individual structures are covered under your home insurance policy? It depends on your policy. Fences, sheds and other similar structures are considered "other structures" — structures on your property that are separated from your house by a clear space or connected to your home by a fence, utility line or similar connection. Some insurance providers cover "other structures," having a coverage cap of 10 percent of the home's value. This means that if your property is worth $200,000, your coverage for the combined "other structures" is $20,000. However, some insurance companies are letting homeowners opt out of combined structures coverage if they don't have these structures on their property. What does this mean? If your garage is detached, then it's considered an "other structure."If your detached garage is worth more than 10 percent of your home's value, then you should talk with your insurance agent about adding more coverage. If you have a pool, gazebo or shed, those are considered "other structures."Most gazebos and sheds won't be more than 10 percent of the value of your house, but what about your pool? Fences, decks or patio are considered to be "other structures."These structures are hardly ever worth more than 10 percent of the value of your home, so there's no need to increase coverage. If you don't have other structures on your property,talk to your independent insurance agent to ensure that you aren't paying extra for coverage that you don't need. Know what's covered on your property, at for how much. At some point, it will likely be essential for you to know the inner workings of the coverage. Get the coverage you need. Call ISU O'Connor Insurance Associates at (704) 510-8884 for additional info on Charlotte home insurance. ...read more

Serving your insurance needs for over 40 years. Charles W Lockhart Insurance Agency, Inc 4412 Park Road Charlotte, NC 28209 Phone: (704) 523-3343 Fax: (704) 522-7418 Contact Person: Gregg Lockhart Contact Email: gregg@lockhartinsurance.com Website: www.lockhartinsurance.com Main Keywords: insurance agent, home insurance, auto insurance, life insurance, business insurance, insurance agency ...read more

Choice, Flexibility, Economy, Superior Protection.  For your car,home and business.  Litaker has it all for you in oneplace - from our office right here in Charlotte we serve the insurance needs of individuals, families and businesses all over North Carokina.We're here fir your locally and 24/7 via our website. Litaker Insurance 2309 Randolph Rd. Charlotte, NC 28207 Phone: (704) 376-9896 Fax: (704) 375-5810 Contact Person: Hans Litaker Contact Email: hlitaqker@litakerinsurance.com Website: www.litakerinsurance.com Vimeo : https://vimeo.com/85705128 Main Keywords: business insurance, restaurant insurance, business owners, personal insurasnce, home insurance ...read more

As of December 1 there are a couple of new laws in North Carolina that affect you.  1.  You need to remove anything you might have around your NC license plate. The law says both stickers on the top left and right corner as well as every aspect of the plate letters/numbers must be visible. Sadly I had to retire my Steelers License plate frame on Saturday. If you are pulled over for this infraction you will receive a $100 fine plus court costs of approximately $140. For more information check out this linkhttps://apps.dot.state.nc.us/pio/releases/details.aspx?r=3104 2.  North Carolina's "Move Over" law was expanded today to include utility vehicles and road crews working on the side of the road. You may already know the "Move Over" law requires you to change lanes if you see a police officer or emergency vehicle on the side of the road. The new law makes it a requirement to change lanes if you see crews working on the side of the road as well. A $250 fine is charged for violating this law. The fine is doubled if someone is injured in the wreck on the side of the road. For more informationhttp://www.jdnews.com/articles/law-85277-workers-move.html. ...read more

We wanted to thank all the support from our clients, friends, and neighbors for helping to make our agency a success!! Hayes Insurance Agency opened in July 2005 in the upcoming town, our HOME of Mint Hill, NC. Initially, many were against having a new Insurance Person in town and did not welcome our opening. Since then many have changed their minds and at very least stopped in and simply said Hello, those are special times, to meet the ones I hope to make proud as we continue our growth.  Many retired insurance locals come by and encourage me along, it means more than they will ever know. Our family has grown up in Mint Hill and is familiar with much of the town's history and how difficult it can be to gain your trust. We feel we have succeeded! Proudly we are celebrating our 4th full year and the business is growing more and more everyday. We never profess to be the cheapest in town, but will work hard to beat your current price, and service your account beyond your expectation, after hours, weekends, whatever it takes we want you to know we are there. Hayes Insurance Agency is an Independent Insurance Agency that will shop your insurance needs with the top rated carriers in this state. Companies that are more than a household name. Companies WE have worked with for many, many years and have proven to meet our expectation for our clients. I thank God everyday, that I did not give up on my dream to bring my business and knowledge as well as the creative options taught to me to the people and community that I care most about. Many said it could not be done, and with the help of you, you have made me proud to say "We did it". together. I look forward to serving this community for many years to come and will work hard to earn your business. Thank you for your support once again. Kelly Hayes Owner/Agent **Special Thanks to Ron&Debi; Blackmon my teachers and for taking a chance on me ...read more

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Running a business is no child's play. Getting insurance for your company assets and people is a good start, but it's not enough. You also need to protect your business from legal action in case you ever get sued for bodily injury or property damage. That's where a General Liability Insurance policy can offer you financial coverage in case of any unforeseen event. A General Liability&Property; Insurance policy will offer you the following benefits: Bodily Injury- Covers the cost of care and the loss of services resulting  from injury Property Damage- Covers for the physical damage to property of others or the loss of use of that property Product Liability- Offers coverage for any product-related injury or accident Products- Completed/Services Rendered - Provides liability protection if an injury resulted from something your company made or service your company offered Others- Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Explosion Damage; Water Damage Liability Protection and Advertising Injury It is also important to know that General Liability Insurance does not protect your business from professional errors or negligence. General Liability Insurance is quite complex and not all insurance companies divulge coverage details. Talk to one of Moore Insurance Associates Inc.'s insurance specialists today to learn all the benefits you can accrue from your General Liability Insurance Policy. ...read more

  If you own a business that utilizes vehicles for transporting people or products, you need commercial vehicle insurance - simple enough! But what you should understand before buying auto insurance is whether you are getting a comprehensive policy or one that is incomplete.Here are some guidelines to remember when securing your commercial vehicle insurance quote: Ideally the legal owner of the vehicle should be the principal insured. You can protect a fleet by adding overnight premises exposure coverage. This can be added on to existing property insurance. Take references from local business firms on the credibility of the business auto insurance provider. Commercial Vehicle Insurance provides comprehensive protection for bodily injury and property damage caused by company-owned vehicles and non-owned vehicles used for the business. Coverage can include automobile liability, uninsured motorist's coverage, personal injury protection and physical damage.To protect your business you must make sure you are carrying the right amount of protection.Not all insurance companies will disclose the hidden components.For a better overview of our umbrella policy, call us or fill out a no-obligationQuote Form. ...read more

No matter what kind of restaurant you own, you are prone to a variety of job hazards. The last thing you ever want is to be held liable for damages to property, contaminated food or spilled coffee. As a restaurant owner, you have hundreds of things to take care of every day. That's why our restaurant insurance experts have developed insurance plans that are easy to understand and that cater to your industry only. That way, you can concentrate on your restaurant and leave insurance related worries to us. Why you should trust our Restaurant Insurance Solutions: More than 15 years of experience in restaurant insurance 24/7 responsive customer service Dedicated Claim Analysts  Umbrella liability options Multiple policy discounts available Periodic review of insurance policy From fine dining restaurants to traditional caf‚s, bistros and takeout joints, Moore Insurance Associates Inc. has a customized insurance plan for everyone. Our Restaurant Insurance&Risk Management services include the following: Commercial General Liability Worker's Compensation Liquor Liability Loss of Income Food Spoilage Business Interruption Boiler & Machinery Umbrella/Excess Liability All Risks Coverage of Contents For more information on our customized restaurant insurance plans, call (704) 332-5029. ...read more

You may not own a home and your landlord may have insured the building. However, you still need to protect your belongings from theft, fire or any other damage whether you are at home or away. Rental property insurance, like any other kind of insurance, should be well researched before you buy it. Some companies offer policies at rates that sound unbelievable. The problem is, if it sounds too good to be true, it usually is. After securing that "unbelievable" insurance deal, people often discover that they weren't covered for their losses. So when you get renters insurance, make sure that the company has a good reputation and that the specifics of the agreement are outlined in the contract. Don't just take the company's word that something is included in the agreement. Make sure that it is in writing and that you have a copy of the contract. For more details, call us at (704) 332-5029 ...read more

Your business is subject to many unforeseen risks and events even when you leave no stones unturned to ensure that everything is in order. The best way to protect your valuable assets is by getting them insured under the most comprehensive plan possible.A Business Owner's Policy (BOP) is the most appropriate tool that can offer your business the maximum protection it needs. A BOP not only comes loaded with multiple insurance policies, but it also has the flexibility to change in proportion with your business.Benefits you get from a BOP: Property Insurance- Offers coverage for your company's physical structure (building) and its contents such as inventory, office equipment, furniture and computers. Business Interruption Coverage- Offers coverage for lost profits and   expenses until the business is operational again. Business interruption could be due to many factors, such as loss or repair of machines or equipment.  Crime Insurance- Offers coverage for lost or destroyed company assets either by employees or someone else. Liability Coverage- Offers coverage against civil suits for accidents, product liability, copyright infringement, injury or property damage. Vehicle Coverage- Offers coverage for rented or borrowed vehicles As a business owner, you not only benefit from an umbrella policy, but you also get to pay premiums that are less than the cost of purchasing individual insurance packages separately.Talk to our business insurance specialists at (704) 332 5029 today or fill out no-obligationQuote Formto learn how you can benefit from a customized Business Owner's Policy ...read more

Your home is one of the most prized possessions of your life. When you have invested so much in a home, it makes sense to get insurance coverage in case any unfortunate event strikes.Your Home Owner's Insurance Policy will cover the following: Damage to your home and other structures on your property Personal property such as furniture and other household items Fire and smoke damage Theft and vandalism  Personal Liability coverage in case someone gets injured on your property Loss due to fire and explosion  However, a traditional home owner's insurance policy does not cover all natural disasters such as floods and earthquakes. If you reside in a high-risk area, then it is advisable to opt for a comprehensive coverage.When you choose us as your home owner's insurance provider, you get: Access to our 24/7 customer service center Reliable advice for your home owner's coverage Fast and hassle-free processing Regular updates on important matters related to your policy And most of all, the trust that your home is in safe hands  To learn how Moore Insurance Associates Inc. can meet your individual insurance needs, fill out our no-obligationQuote Form @http://mooreinsuranceassociates.com/FreeQuote.html or call us at (704) 332-5029. ...read more

Moore Insurance Associates Inc. offers a platform for low cost insurance quotes that fit your needs. Simply fill out the form below and submit it. We will get back to you with a quote within 24 hours. Feel free to request a quote without any obligation to purchase a policy. In fact, we encourage you to get a quick quote even if you’re not ready to buy! Auto Quote Home Owner's Quote Commercial Vehicle Quote Business Owner's Quote If you have any questions, please call us at (704) 332-5029. We would be happy to address your individual insurance needs.GET A FREE QUOTE ONLINE @http://mooreinsuranceassociates.com/FreeQuote.html ...read more

At Moore Insurance, you will rest easy with regard to insuring your vehicles. Our auto expert, has over 20 years experience with everything from large commercials trucks to jet skis, can put you in the right coverage at the right price. She knows the answer to nearly any insurance question, and with the relationships we have developed over time, we can solve any issues that may arise--and solve them quickly. We get up in the morning excited to work with our customers and help them with their car insurance, knowing that we have the opportunity and the tools to meet their needs. For over 35 years, it's been a win-win situation. Getting the best auto insurance for your individual needs is just a click away! We have made the entire process pain-free, so you can drive your car with the peace of mind in knowing that you are covered in case of an accident.  If an accident occurs, our auto insurance policies provide financial coverage to pay any resulting vehicle damages, property damages, and/or medical expenses. The amount of money the policy provides versus the amount of money you pay out of pocket will depend on the type of coverage you purchase, the financial limits of the coverage and your deductible. Auto insurance not only protects your automobile but it also helps restore assets that might be stolen, damaged, or lost. In some cases, auto insurance can help you in the unfortunate event of a lawsuit. To get secure automobile coverage, simply fill out the Quote Form and you are ready for a smooth ride. You may also talk to our experienced insurance agents online! Get a FREE quote online@ http://mooreinsuranceassociates.com/FreeQuote.html ...read more