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ACF Insurance Services Inc Blog: homeowners insurance

View the latest blog posts from ACF Insurance Services Inc.

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Home insurance rates fluctuate depending on several factors, some of which differ year to year while some occur seemingly at random. Keeping track of what is influencing your rates and how can help you better understand your policy and thus save money on home insurance coverage. Changes in Your Insurer READ MORE >>

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Contrary to popular belief, most home insurance is not required by any state or federal laws. This means that the amount of coverage you need on your home primarily depends on your home insurance needs. The one exception is if you still have a mortgage on your home. READ MORE >>

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Hurricanes and tropical storms produce conditions that can be damaging to homes and vehicles. In times where property damage is imminent, insurance companies may put a moratorium in place. When a moratorium is in place, agents may be unable to write certain policies or update certain coverages. READ MORE >>

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Just because your home appears to be clean doesn’t mean that it’s germ-free. Bacteria and other germs can grow and linger in certain areas if you do not clean them regularly, which can lead to sickness and bad odors. This list details 10 areas of your home that you may not know are filled with germs. READ MORE >>

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Your house is filled with furniture, artwork, collectibles and many more comforts that make it a home. These possessions are extremely valuable to you, yet you may not stop to asses that value until something goes awry. Contents insurance is a rider for homeowners insurance that will protect your assets after claimable events. READ MORE >>

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Owning and maintaining a home is one of the largest financial responsibilities you will ever have. If it has been awhile since you have looked at your Raleigh homeowners insurance policy, it is time to examine your coverage to be sure you are prepared in the event of disaster. READ MORE >>

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When you need to file a claim on your homeowner's insurance, it is important to realize that you are not going to get a check from the company right away. Many people do not understand how insurance claims are actually handled and thus get frustrated or discouraged when they have to make a claim. READ MORE >>

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Some people don't purchase the Raleigh home insurance they need because they think they can't afford it. One of the most common reasons people avoid purchasing insurance is because they live in an area that is prone to bad weather such as hurricanes, ice storms or tornadoes. READ MORE >>

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