 The increased frequency and intensity of natural disasters in the United States, and the growing concerns with Climate Change have caused insurance companies to react with increased rates and some reductions in coverage. Below are some tips to help make an informed decision when purchasing your next home or home insurance coverage.
Before the Purchase Before purchasing a home or home insurance policy, examine the risks. You can enter the home address into a Risk Calculator, like Risk Factor to help look for potential perils. Also, consult with your agent about what insurance carriers could work best, and to check on the carrier's rating from A.M. Best. Review Your Policy Shop around for new policies each year, as rates and needs can change. For example, inflation has drastically impacted construction costs, so your existing coverage may not be enough to cover major repairs. Read the terms of your coverage. Make sure your "Replacement Costs" of your home and it's contents are covered. We recommend contacting your agent to review this policy information. Reduce Costs Bundling home and auto coverage (among others) is one potential way to get a discount and save money. Getting the most coverage for your money is a priority, so also make sure that you're over insured for perils that may don't affect you. Home improvements, like securing your roof from wind damage or cutting brush back to reduce fire risk will reduce risks to your house and may also deliver some savings on your insurance. Contact your agent today to learn more about your policy and explore other options.
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Effective June 28, 2024; Jessica Cody & Jeremy Sheridan are no longer associated or appointed with or through Trout Insurance Services, Inc.
They may be reached at 828-713-8640 – Cody, 828-606-7994 – Sheridan.
This is an amiable separation and they have our confidence they will continue to act as the professional agents as they have demonstrated over the years with TIS. Our agreement includes provisions that they will retain the agreed policies which they previously directly managed under the Trout Insurance agency license. They will be initiating “Agent of Record Transfers “ to their new agency and /or insurance companies and we will honor those requests. Until those transfers are effective, Trout Insurance retains the fiduciary responsibility under our North Carolina Department of Insurance license & obligations to service your policy. Our commitment is to do so in a polite, effective and efficient manner.
Please send any and all requests and questions to this designated email address: [email protected] or call 828 – 519-5218. these are monitored daily. Please allow three working days for our response and resolution. Please further note that policy changes may not be changed or bound via voicemail or merely email. Per insurance regulations, a licensed agent appointed by that company must make the change.
They may be reached at 828-713-8640 – Cody, 828-606-7994 – Sheridan.
This is an amiable separation and they have our confidence they will continue to act as the professional agents as they have demonstrated over the years with TIS. Our agreement includes provisions that they will retain the agreed policies which they previously directly managed under the Trout Insurance agency license. They will be initiating “Agent of Record Transfers “ to their new agency and /or insurance companies and we will honor those requests. Until those transfers are effective, Trout Insurance retains the fiduciary responsibility under our North Carolina Department of Insurance license & obligations to service your policy. Our commitment is to do so in a polite, effective and efficient manner.
Please send any and all requests and questions to this designated email address: [email protected] or call 828 – 519-5218. these are monitored daily. Please allow three working days for our response and resolution. Please further note that policy changes may not be changed or bound via voicemail or merely email. Per insurance regulations, a licensed agent appointed by that company must make the change.