You’ve invested a lot of money into your home in Newport or Emerald Isle, and you need to protect it. Having home insurance is more than just smart, it could prevent you from losing everything that you’ve worked so hard for. Your homeowners’ insurance covers not only your home, but it also covers your belongings inside, such as your bedroom set, living room furniture and more. Not only that but it also usually includes liability coverage as well for injuries and property damage caused by you to others.

Home Insurance in New Bern, Emerald Isle, Jacksonville, Havelock, Newport, and BeaufortHome Insurance Doesn’t Have To Be Expensive

Regardless of whether you live in Havelock, Emerald Isle or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own. It’s important to understand that no two homeowners’ insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements, and riders, and have different conditions and limitations. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners’ insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Coverages You Find in Home Insurance

There are several aspects to your home insurance policy that you should know about. These are fairly common so its good to be aware of what they are and how they affect what is covered in your policy. First of these items include the house itself, usually referred to as the dwelling. This dwelling coverage is for replacement of the house itself, not the contents of the house. The second item is covered under other structures. These are significant structures that are not attached to the house, such as a detached garage, sheds, sidewalks, driveways, fences and more. Next is your personal property, which includes the furniture, clothing, appliances and more that you use and have in your house. Give your Sound Choice Insurance agent a call today and get your home insured before its too late.

You put in a lot of time and money to start your business. You work too hard to have your business taken down by something that could have been covered by some simple business insurance. But what is the right business insurance? Will the policy cover vandalism to your shop? Will liability be enough, or do you also need a policy for the property? Can you get insurance for the industry that you are in? What if it’s just me and I don’t have employees, do I still need insurance?

Business Insurance in New Bern, Emerald Isle, Jacksonville, Havelock, Newport, and WilmingtonNo doubt there are a lot of questions you have about insurance and how it affects and protects your business. Have a conversation with your Sound Choice Insurance agent today so that they can get you the best protection for the lowest price by understanding your specific needs.

How Do I Know What I Need For My Business Insurance

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet your needs. At Sound Choice Insurance, we can design a specialized package according to your property, liability, and casualty needs.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Key Coverages You Could Get In Your Business Insurance

General liability insurance coverage is perhaps the best known and most common type of business insurance. This helps with injury damages, lawsuits, investigations, advertising claims and more. This kind of insurance is a necessity for your business. Other coverages that might apply include professional liability insurance, such as for lawyers, doctors architects, consultants and more; business interruption insurance, which addresses those times that your business can’t operate and provide you with a living due to lost revenue; contractor insurance, which covers plumbers, painters, electricians, repair people, freelance writers, and others; worker’s compensation insurance; commercial vehicle insurance to cover your cargo van, bus, taxi, company cars, and other company vehicles; and other insurance coverages as well. Call your Sound Choice Insurance agent today to discuss your business and learn just how affordable your specific business insurance needs can be.

No matter if you call Havelock or New Bern home, living in North Carolina means that you need to have auto insurance on your vehicles. But do you have the right coverage on your vehicles? Are you paying too much? No matter the questions you have, your Sound Choice Insurance agent will get you the answers you need and explain just what you need for proper coverage.

Auto Insurance in Emerald Isle, Havelock, Atlantic Beach, New Bern, Beaufort, and JacksonvilleUnderstanding Your Auto Insurance Policy

The truth is, car insurance covers much more than just your car. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. If you were ever involved in an accident and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured. What a lot of people don’t realize is, having great coverage in Atlantic Beach or Jacksonville doesn’t necessarily mean having higher insurance premiums.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company. Because Sound Choice Insurance is 100% independent, we can take your current coverages in Emerald Isle and compare them with a wide range of insurance providers to see who offers you the best deal possible. This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Things That Contribute To Your Auto Insurance Premiums

Getting your insurance premium figure isn’t magic, there is a formula that insurance companies have to come up with that figure for residents of Beaufort. Several things can contribute to that figure, though not all of them are used by all insurance companies. One of those things is your age, and if you are a young driver or an older driver, you’ll find that your rates are a bit higher than for others. Another factor that is looked at is the vehicle being insured itself. Is it a small, fuel-efficient 4-cylinder car, or a 12-cylinder, gas-guzzling speed demon? What safety features does the vehicle offer? All of these things are factored into the cost of providing insurance for that vehicle. Other aspects such as your driving record and the number of people in the household and their ages will affect these rates as well. Give Sound Choice Insurance a call today to have them shop for the best auto insurance for you.

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

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I was recently asked this question by one of our Sound Choice Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.

Why do my auto insurance rates keep going up even though my car is getting older?  At Sound Choice Insurance, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?


How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.