Prepared Insurance Blog

Power Hour Reset: Tame Household Chaos in 60 Minutes a Day

Fri, 03 Oct 2025 17:54:12 GMT

School’s back. Work’s wild. Your kitchen counter is missing under the clutter. Setting aside one hour a day can pay off big for your household.

October in North Carolina hits different. The beach towels are traded for backpacks, the calendar fills up with everything from soccer practice to PTA meetings, and your home starts to feel more chaotic than cozy. It’s the season of transition and it can feel like survival mode for many families.

That’s where the Power Hour Reset comes in.

What’s that?

It’s not magic. It’s not even complicated. It is the intentional practice of setting aside one hour per day to regain control of your space, your time, and your peace of mind.

How’s it work?

You choose the hour. Morning, evening, naptime, after dinner, whatever fits. The goal? Reset your environment and reset your mindset.

What can you do?

Here’s a few things we’d recommend tackling during your daily reset:

✅ Declutter high-traffic areas (kitchen counters, entryways, laundry drop zones)

✅ Review the next day's schedule and lay out what you need

✅ Pack lunches or prep dinner ingredients

✅ Check on your budget or bills

✅ Fold and put away laundry that’s been living on the couch

✅ Back up important documents or photos

✅ Review your insurance policies

Yes, you read that last one right. Because in a season full of surprises, being prepared goes beyond your calendar. When's the last time you reviewed your home or auto coverage? Do you have flood insurance? Do you know your deductible?

We recommend using one Power Hour each every few months to check in with your agent or revisit your policy docs. It takes less time than a Netflix episode and can save you major stress later.

The Benefits of a Daily Reset

�� A cleaner, more functional home

⏳ Less time scrambling in the mornings

�� Fewer forgotten tasks (and missed deadlines)

�� A better night’s sleep

��️ More financial awareness and control

�� Peace of mind knowing your family is protected

Preparedness isn’t just about hurricane kits or emergency plans (though we love those, too). It’s about building rhythms that help you feel grounded, calm, and in control, no matter what season you’re in. Set a timer. Grab your checklist. And claim your hour. Our team is here when you need us!

Fall Into Better Coverage This Season

Fri, 03 Oct 2025 17:46:33 GMT

Autumn brings new risks for homeowners and drivers, from clogged gutters to fireplace fires.

Fall in the South means cooler mornings, football weekends, and the start of holiday prep. As the leaves change around us, so do the risks around your home and lifestyle. From shorter daylight hours to storm season overlap, this is the perfect time to do an insurance check-up.

Here are 5 ways you can keep your family and home protected this fall:

1. Check Your Home for Seasonal Risks ��

Fallen leaves can clog gutters and drains, leading to water damage. Clear out your gutters and trim back branches before late-season storms. Double-check your homeowner’s policy covers water backup and wind damage.

2. Review Liability Coverage Before Hosting Gatherings ��

Fall is tailgate and holiday-gathering season. If you’re hosting at your house, check your liability coverage is strong enough to protect you if a guest slips, trips, or is injured on your property. Umbrella coverage can add that extra layer of protection affordably.

3. Adjust for Shorter Days ��

Accidents can increase during evening commutes with fewer daylight hours. Review your auto coverage to make sure collision and comprehensive protections are in place, especially if deer crossings are common in your area this time of year.

4. Prepare for Fireplace & Heater Use ��

Fireplaces and space heaters come back into play as the temperature drops. Test smoke detectors, have chimneys cleaned, and verify your homeowner’s policy includes fire protection that fits your needs.

5. Take Advantage of Discounts ��

Many carriers offer discounts for bundling policies (think home + auto + life). Reviewing your coverage now could save you money before the holiday season expenses hit.

Whether you’re cheering at a football game or cozying up by the fireplace, a little prep now can help you enjoy the season stress-free. We’d be happy to review your insurance policies with you and suggest adjustments to head into the holidays.

What to do During a Flood

Wed, 06 Aug 2025 18:20:30 GMT

Flooding can happen fast and often in places you least expect it. Here's steps to take before, during and after a flood.

As weather becomes more unpredictable, flooding can affect anyone, even outside of high-risk areas. Whether you live near the coast, along a river, or hundreds of miles from the ocean, it's more important than ever to know what to do when floodwaters rise.

Before a Flood

To understand your risk of flooding, start by checking if you live in or near a flood-prone zone using FEMA’s Flood Map (msc.fema.gov). Review your insurance coverage because most standard homeowners policies do not include flood protection. You'll likely need a separate flood insurance policy, which typically has a 30-day waiting period.

Having a prepared emergency kit eliminates the need for last-minute trips to the store for supplies. This way, you won't have to worry about local stores running out of items or having to pay extra during high-demand situations. Your emergency kit should include water, non-perishable food, flashlights, batteries, important documents, medications, pet supplies, and a phone charger.

Establish an evacuation plan so you can act quickly when a storm approaches. Know your route, local shelters, and where to meet family if separated. Finally, take proactive steps to protect your property by elevating valuables, sealing basement cracks, clearing gutters, and keeping sandbags ready in case flooding is likely.

During a Flood

If you are advised to evacuate, do not hesitate. Leave early and follow local emergency alerts. Never drive through flooded roads, as just six inches of moving water can knock over an adult, and twelve inches can sweep away a car.

If evacuating is not possible, turn off the electricity and gas if still safe to do so. Move to higher ground as quickly as possible. Try your best to avoid contact with floodwater, as it may contain sewage, chemicals, or debris that could be harmful.

What If You Become Trapped in Your Car?

In times of crisis, try your best to remain calm because panic can cloud your judgment. Take a deep breath and assess your surroundings. If you find yourself in a car with rising water, unbuckle your seatbelt and exit as quickly as possible. Should the doors refuse to open, roll down the windows. If they won’t open and you need to break a window to escape, target a corner of the glass with a safety tool (link to tool). If necessary, climb to the roof of the car and signal for help.

What If You’re Trapped in Your Home?

Move to the highest level of your home, but avoid climbing into a closed attic unless you can escape through the roof. Bring essential items like your phone, flashlight and any emergency supplies with you. Once positioned safely, call 911 and communicate your location, the number of people with you, and any medical needs that may arise. To signal for help, use a flashlight, wave a bright cloth, or write “HELP” in a place where rescuers can see it. If the water continues to rise, relocate to the roof and remain visible for rescuers.

After a Flood

Stay out of flooded areas until declared safe by officials. Document all damage with photos and videos before you begin to clean up. Wear protective gear like boots, gloves, and masks while cleaning to ensure your safety. Look for hazards like mold, gas leaks, and electrical issues.

File your insurance claim as soon as you can to speed up your recovery. Lean on your family, friends and community for support! Recovering after any disaster takes time, so don't hesitate to ask for help because you shouldn't have to go through it alone.

Why Flood Insurance Matters, Even If You’re Not in a High-Risk Zone

It’s a common misconception that flood insurance is only for coastal or riverfront homes. But over 20% of flood claims come from properties outside high-risk flood zones, according to FEMA.

At Prepared Insurance Agency, we believe in staying ahead of the unexpected. If you’re unsure what your policy covers or if you need to add flood protection, we’re here to help you understand your options.

Get Prepared. Be Prepared.

Our team at Prepared Insurance Agency is always just a call or message away.

Summer Car Survival Kit: 9 Must-Have Items to Keep Your Cool

Fri, 27 Jun 2025 03:36:43 GMT

Sweaty seats, sunburned arms, and snacks that didn’t make it? Here’s what to keep in your car to go from “melting down” to “I’ve got this.”

We love summer beach days, road trips, and weekend adventures! Let’s be real: summer heat does not play around, especially in your car. Between surprise sunburns, melted snacks, and hot-seat sprints, having a Summer Car Survival Kit is the easiest way to avoid mid-drive chaos. Here’s what to keep on hand so your car feels more like a mobile oasis and less like a rolling oven.

�� Must-Haves for Every Summer Car Kit

1. Mini Sunscreen
Keep a travel-sized SPF in your console for quick protection. UV rays don’t care if you're just "running into the store."
2. Insulated Water Bottle
Hydration is a non-negotiable. Refill it before you head out, and you’ll always have ice-cold water on hand when the temps climb.
3. Spare Sunglasses
Your future self will thank you when you forget yours at home and the glare is blinding.
4. Wet Wipes or Baby Wipes
Perfect for sticky hands, cleaning up sweat, or dealing with melted ice cream disasters. (Yes, we’ve been there.)
5. Snacks That Don’t Melt
Trail mix, granola bars, dried fruit, jerky, pretzels, and crackers are some yummy snack options that can stand the heat and are road trip gold.
6. A Hat or Visor
Instant shade when you're out and about, or when you've forgotten to reapply sunscreen (again).

�� Don’t Forget the “Grown-Up” Stuff

7. Mini First Aid Kit
Bug bites, scraped knees, or sudden headaches? You're ready.
8. Jumper Cables
Because waiting for a tow in the summer heat is… not the vibe.
9. Emergency Contact Info + Insurance Card
Keep your car insurance info printed and saved digitally. You don’t want to dig through emails at the wrong time.

��️ Check Your Insurance Coverage Before You Hit the Road

If you’re planning any summertime adventures that involve:

Driving a borrowed car
Renting a vehicle
Towing a trailer
Hosting summer parties at your house

…it’s worth checking your auto, home, and umbrella policies. A quick review can prevent the kind of surprises that aren’t so sunny. Staying “prepared” isn’t just about insurance. It’s about small steps that keep you calm and confident, wherever the summer takes you.

��Need help with the insurance part? Our team is here to help. Contact us today!

Hurricane Ready: What Your Insurance Actually Covers

Fri, 09 May 2025 04:26:17 GMT

Hurricane Preparedness Week is here. Do you know what your insurance actually covers?

Storm season rolls in every year. Too often, policy confusion comes with it. We want you tobe prepared, not caught off guard. Whether you’re facing tropical storms in Florida, heavy winds in Georgia, or coastal threats in the Carolinas, knowing what your insurance covers before the storm roll in makes all the difference.

Here’s what homeowners are most surprised to learn:

Homeowners Insurance Doesn’t Always Cover Flooding

Flood damage typically requires a separate flood policy. Even a few inches of water can lead to thousands in repairs. Don’t assume you’re covered just because you have homeowners insurance.

Wind Damage Can Be a Gray Area

Some policies have separate wind/hail deductibles or exclusions, especially near the coast. Check yours to see if wind damage from a storm is fully covered or if you need an added endorsement.

Power Outages & Food Spoilage: Sometimes Covered, Sometimes Not

Lost groceries after a blackout? Some policies offer limited coverage for refrigerated items—others don’t. It’s a small detail that can make a big difference during storm season.

Temporary Housing Is Often Included, But With Limits

If a storm damages your home and you can’t stay there, your policy may cover hotel stays or temporary rentals. But coverage limits and timeframes vary. Make sure you know what yours offers before you need it.

Trees, Fences, and Sheds May Need Extra Protection

Detached structures and landscaping may not be fully covered under a standard policy. A quick check can help you avoid unpleasant surprises after a storm.

Storm season is stressful enough, your insurance shouldn’t be! Let’s review your policy now, so you’re not left asking questions when the winds pick up. Click here to schedule a policy check or give us a call. We’re here to make sure you get prepared.

5 Ways to Spring Clean Your Insurance Coverage

Thu, 17 Apr 2025 14:11:38 GMT

Just like your house, your insurance needs a seasonal refresh!

While you’re clearing out closets and scrubbing baseboards this Spring, there’s one area people often forget to clean up: their insurance policies. Think of your insurance like your home. It needs regular attention, an occasional refresh, and sometimes a little deep cleaning. Here are five ways to give your coverage a springtime tune-up.

1. Review Your Home Inventory ��

You’ve probably made some home upgrades or added a few big-ticket items since your last policy review. Take a moment to walk through your home, update your inventory list, and ensure your personal property coverage matches the value of your belongings.

Pro Tip: Snap photos or take a quick video walkthrough for easy documentation.

2. Check Your Auto Coverage ��️

Driving habits change with the seasons. You enjoy more road trips, weekend getaways, and spring break escapes. Make sure your liability limits are high enough, and consider adding or reviewing roadside assistance, rental reimbursement, or comprehensive coverage.

3. Look Over Your Deductibles ��

When was the last time you looked at your deductibles? A lower deductible means you’ll pay less out of pocket if disaster strikes, but a higher one can reduce your monthly premium. Let’s make sure it fits your budget and your lifestyle.

4. Update Your Contact Info & Beneficiaries ��

New address? Changed phone number? Added a new family member? Spring is a great time to update your insurance profiles, especially for life insurance policies or homeowners documents where accuracy is key.

5. Prepare for Spring Weather Risks ��️

Spring can bring severe storms, flash flooding, and strong hail events. We can help you review and adjust as needed, so you’re ready when the weather turns. Ask yourself:

Do I have flood insurance?
Is my homeowners insurance up to date?
Does my small business insurance cover weather-related interruptions?

Ready for a Spring insurance refresh? ��

Let us help you tidy up your policies. Call or email us to schedule a policy check-up with our team of insurance experts. We’ll look for gaps and ways we can save you some money this season!

Are You Prepared for Floods?

Fri, 28 Mar 2025 15:31:11 GMT

Even if you’re not in a high-risk zone, flooding can cause serious damage that home or renters insurance doesn’t cover.

Many homeowners and renters assume they do not need flood insurance until it is too late. The truth is that flash floods can strike anywhere, at any time, causing tens of thousands of dollars in damage. Without the right coverage, recovering from a flood can be financially devastating. Understanding the risks and securing the best protection for your home, condo, and belongings is crucial.

Flooding Can Happen Anywhere, Not Just in High-Risk Zones

Many people believe that if they do not live near a body of water, they are safe from flooding. Unfortunately, that is not the case. Consider these facts:

Heavy rain, overflowing storm drains, and rapid snowmelt can all lead to severe flooding, even in areas with no prior history of flooding.
More than 20 percent of flood insurance claims come from properties outside of high-risk flood zones.
Ninety percent of all natural disasters in the United States involve flooding.

The True Cost of Flood Damage

Even if your mortgage lender does not require you to carry flood insurance, you could still be at risk. Without coverage, you may have to pay for all repairs and replacements out of pocket. According to the Federal Emergency Management Agency (FEMA) :

Just one inch of water in your home can cause $25,000 or more in damage.
Federal disaster assistance is not guaranteed and, if available, often comes in the form of a low-interest loan that must be repaid.

Skipping flood insurance will save you money upfront, but if your property floods and you are not covered, the financial burden to recover and rebuild can be massive.

How Flood Insurance Protects You

Flood insurance provides financial security when the unexpected happens. A policy can help cover:

Structural repairs to your home, including walls, floors, and essential systems like electrical, plumbing, and HVAC.
Replacement of personal belongings such as furniture, electronics, and appliances.
Temporary housing costs if your home becomes uninhabitable due to flood damage.

Is Flood Insurance Right for You?

Our experienced insurance experts are here to help you navigate your options and find the best flood coverage at the best price. We will assess your unique risks and recommend a policy that ensures you are fully protected. Most flood policies have a 30-day waiting period before coverage begins.

 Contact us today for personalized flood insurance advice and let us help you secure the right coverage before the next storm hits.

The Costly Risks of Letting Your Insurance Lapse

Thu, 13 Mar 2025 14:56:38 GMT

A small mistake could lead to major financial headaches, from higher premiums to uncovered accidents.

Life happens, and missing a payment on your insurance can sometimes be unavoidable. However, even a brief lapse in coverage can lead to serious financial and legal consequences. Whether it’s your home, car, or business, going without insurance—even for a short time—could mean higher premiums, uncovered losses, or legal trouble. Here’s why maintaining continuous coverage is crucial.

What happens if your coverage lapses?

�� Auto Insurance

A lapse in auto insurance could result in higher rates, fines, or even a suspended license , depending on your state’s laws.
Many insurers view a lapse as high-risk behavior , meaning you’ll likely pay much higher premiums when reinstating your policy.
If you get into an accident while uninsured, you could be responsible for all damages out of pocket , including repairs, medical bills, and legal fees .

�� Learn more about our Auto Insurance policies

�� Home Insurance

Without home insurance, you won’t be covered for fire, storm damage, theft, or other disasters , which could lead to major financial losses.
If you have a mortgage, your lender may purchase a policy on your behalf— often at a much higher cost than if you maintained your own coverage.
A lapse in coverage could make it more difficult and expensive to secure a new policy in the future.

�� Explore our Home Insurance options

�� Business Insurance

A lapse in business insurance puts your company at risk of lawsuits if someone is injured on your property.
If you experience property damage, theft, or cybercrime while uninsured, you may have to pay entirely out of pocket.
Certain types of business insurance, like workers’ compensation , are required by law in many states, meaning a lapse could result in legal penalties .

�� Check out our Business Insurance coverage

How to prevent a lapse in coverage

A lapse in insurance can happen for various reasons, from missed payments to forgetting your renewal date. The good news? Avoiding a lapse is easy with proper planning.

✔ Set up automatic payments to prevent missed due dates.

✔ Schedule renewal reminders on your phone or calendar.

✔ Regularly review your policy to ensure it still meets your needs.

✔ Keep your contact information updated with your insurance provider.

✔ Work with an insurance professional to help navigate your coverage and avoid gaps.

�� Read our blog on choosing the right insurance policy

The Bottom Line

Even a one-day lapse can lead to higher premiums, financial risks, and coverage denials when you need insurance most. Don’t leave yourself unprotected from unexpected expenses or legal trouble.

Need coverage? We're here to help!

At Prepared Insurance Agency , we’re committed to keeping you covered. Whether you need auto, home, or business insurance, we’ll ensure you have the right protection at the right price.

�� Contact us today to get the coverage you need, when you need it most!

5 Insurance Myths You Should Stop Believing

Mon, 17 Feb 2025 19:22:45 GMT

From ‘red cars cost more’ to ‘home insurance covers everything’—we’re breaking down the biggest misconceptions.

When it comes to insurance, misinformation can cost you—literally. Whether it's car, home, or life insurance, there are plenty of myths floating around that could lead you to make costly mistakes. Let’s debunk five of the most common insurance myths so you can make informed decisions and protect what matters most.

1. Red Cars Cost More to Insure ��❌

This is one of the most persistent myths out there. The color of your car has no impact on your insurance rates. Insurers base premiums on factors like the car’s make, model, age, engine size, and safety features—not the paint job. So go ahead and choose your favorite color without worrying about a price hike!

2. Home Insurance Covers Everything ��

Many homeowners assume their insurance policy covers any and all damages, but that’s not the case. Standard home insurance typically covers fire, theft, and certain weather events, but floods and earthquakes usually require separate policies. Always review your coverage and consider additional protection if needed.

3. If You Have Life Insurance Through Work, You Don’t Need More ��⚖️

Employer-provided life insurance is a great perk, but it may not be enough. These policies often offer limited coverage—usually one to two times your salary—which may not fully support your loved ones if something happens to you. Having a personal policy ensures your family has adequate financial protection.

4. Minimum Auto Insurance is Enough ��

While state-minimum coverage meets legal requirements, it may not be sufficient in a major accident. If damages exceed your policy limits, you’ll have to pay the difference out of pocket. Investing in higher car insurance coverage can protect you from financial hardship.

5. Flood Insurance is Only for High-Risk Areas ��

Flooding can happen anywhere, not just in high-risk zones. In fact, about 25% of all flood insurance claims come from low- to moderate-risk areas. Since standard home insurance doesn’t cover flood damage, it’s worth considering a separate policy to stay protected.

Final Thoughts ��

Don’t let these common insurance myths steer you in the wrong direction. Understanding what your policy does—and doesn’t—cover can save you money and stress in the long run. If you’re unsure about your coverage, call us to ensure you’re fully protected.

Have more insurance questions? We’re here to help! Contact us today or check out more expert tips on our blog .

Renters Insurance: Affordable Protection for Your Belongings

Fri, 17 Jan 2025 19:00:43 GMT

Are you a renter? Don’t skip on protection! Spoiler: It’s more affordable than you think.

As a renter, you might think insurance is something only homeowners need. But here’s the truth: renter’s insurance is one of the most important tools to protect your belongings and give you peace of mind. Best of all, it’s surprisingly affordable! Whether you’re renting a cozy apartment, a single-family home, or a shared space, here’s why renter’s insurance is a must-have in 2025.

1. What is Renter’s Insurance?

Renter’s insurance is a policy designed to protect your personal belongings and offer liability coverage while you’re renting. Unlike your landlord’s insurance, which only covers the building itself, renter’s insurance ensures your possessions are safe from unexpected events like theft, fire, or water damage.

2. What Does Renter’s Insurance Cover?

Most policies provide:

Personal Property Protection: Coverage for your belongings, such as furniture, electronics, and clothing, against damage or theft.
Liability Coverage : Protection if someone is injured in your rental space and decides to file a lawsuit.
Additional Living Expenses: Helps cover temporary housing costs if your rental becomes uninhabitable due to a covered event.

3. Why Renter’s Insurance is Essential in 2025

Policies typically cost less than $20 a month, making it one of the most budget-friendly types of insurance. Weather events like icy conditions or burst pipes could cause significant damage to your belongings. Renter’s insurance ensures you’re not stuck paying out of pocket. Knowing your items are protected means fewer worries during unexpected events.

4. Common Myths About Renter’s Insurance

“My landlord’s insurance covers me.”

Landlord insurance only covers the building, not your personal belongings.

“It’s too expensive.”

Most people can protect their belongings for less than the cost of a weekly coffee habit.

“I don’t own enough stuff to need insurance.”

When you add up the cost of replacing furniture, clothing, and electronics, the value of your possessions may surprise you.

5. How to Get Started

Getting renter’s insurance is simple:

Take Inventory: Make a list of your belongings and their estimated value.
Get a Quote: Contact Prepared Insurance Agency to find a policy that fits your needs and budget.
Stay Updated: Review your policy annually to ensure it matches your current situation.

Renter’s insurance isn’t just an optional add-on—it’s a smart investment in your future. With affordable options and comprehensive coverage, there’s no reason to leave your belongings unprotected in 2025.

Winter-Ready: Top Home Safety Tips for 2025

Fri, 10 Jan 2025 06:45:22 GMT

New year, new safety habits! Protect your home and family with these winter tips.

As we welcome 2025, it’s the perfect time to prioritize safety at home. With occasional winter weather bringing ice and snow to the South, taking proactive steps can help you avoid costly repairs and keep your loved ones safe.

1. Test Your Detectors

Smoke and carbon monoxide detectors are critical safety tools. Test each device monthly and replace batteries as needed to ensure they’re functioning properly.

2. Inspect Heating Systems

A cozy home starts with a reliable heating system. Schedule a professional inspection for your furnace or HVAC system to avoid breakdowns during cold spells.

3. Protect Pipes from Freezing

Even a brief freeze can cause pipes to burst. Wrap exposed pipes in insulation, and let faucets drip during freezing nights to prevent blockages.

4. Secure Outdoor Areas

Icy steps and walkways can be dangerous. Apply sand or salt to surfaces prone to freezing, and store outdoor furniture securely to prevent damage from winter winds.

5. Review Your Insurance Policies

Take time to revisit your home insurance policy. Ensure you’re adequately covered for winter-related risks, including frozen pipes or roof damage from snow.

A little preparation now can save you headaches later. Contact your Prepared agent to make sure you have the homeowners coverage you need this winter. Our team is here to help you stay safe in the new year!

Call us today or send us a message to learn more.

5 Insurance Tips for a Stress-free Holiday Season

Tue, 10 Dec 2024 21:12:10 GMT

Whether you’re protecting new gifts, hosting guests, or traveling, we’ve got actionable tips to keep you covered.

The holidays are here—a time for joy, connection, and celebration. But amidst the hustle and bustle, it’s easy to overlook the “what ifs” that can turn a happy moment into a stressful one. With these five essential insurance tips, you’ll be prepared for anything, so you can focus on making memories, not handling mishaps.

1. Protect High-Value Holiday Gifts ��

Gifting something extra special this year? Whether it’s a sparkling diamond necklace or the latest tech gadget, these high-value items may need additional coverage beyond your standard homeowners or renters insurance policy.

Why It Matters: If these items are lost, stolen, or damaged, scheduling them on your policy ensures they’re fully covered.

Pro Tip:

Save receipts and take photos of high-value gifts .
Contact your agent to discuss adding these items to your coverage.

2. Review Your Liability Coverage ��

Holiday parties are a staple of the season, but hosting comes with risks. Slippery walkways, broken valuables, or guest injuries can result in costly claims. Liability coverage under your homeowners policy can help, but knowing your limits is crucial.

Pro Tip:

Consider adding an umbrella policy for extra protection.
Always clear snow and ice from driveways and walkways before guests arrive.

3. Keep Your Home Safe While Traveling ✈️

Heading out of town for the holidays? A vacant home can be a target for theft or vulnerable to damage from frozen pipes or power outages. Take proactive steps to secure your property before you go.

What You Can Do:

Use smart home devices like cameras and light timers.
Pause mail and package deliveries to avoid attracting attention.

Insider Tip: Keep your thermostat above 55°F to prevent freezing pipes, as some policies require reasonable precautions to honor claims.

4. Prepare for Winter Weather Hazards ❄️

Winter storms can wreak havoc on homes. From fallen trees to roof leaks, ensure your homeowners policy covers these common risks.

What You Can Do:

Inspect your roof and gutters for debris.
Trim overhanging branches near your home.
Stock emergency supplies , including flashlights and blankets, for power outages.

5. End-of-Year Policy Review ��

Life happens—and so does change. Use the holiday season to revisit your insurance policies. Have you moved, renovated, or made major purchases this year? Updating your coverage ensures there are no surprises if you need to file a claim.

Make It Easy: Schedule a quick call with your insurance agent to confirm everything is up to date.

Enjoy the Holidays Without Worry ��

By taking these simple steps, you can focus on what truly matters this holiday season—time with loved ones, festive traditions, and creating memories. Protect your home, your gifts, and your peace of mind.

�� Have questions about your coverage? Contact us today to review your policies and prepare for the season ahead.

Stay Safe While Frying Your Thanksgiving Turkey

Wed, 27 Nov 2024 19:32:30 GMT

Fires, burns, and property damage are just a few of the dangers that can quickly ruin your holiday.

Frying a turkey has become a popular Thanksgiving tradition for its unbeatable flavor and crispy texture. However, it comes with some serious risks if not done properly. Fires, burns, and property damage are just a few of the dangers that can quickly ruin your holiday. At Prepared Insurance Agency, we want you to enjoy your meal and stay safe. Here’s how:

Key Turkey Frying Safety Tips

Stay Outside: Always fry your turkey outdoors, on a flat, non-flammable surface, and far from your home, garage, or deck.
Keep It Dry: To avoid dangerous oil splatters, ensure your turkey is completely thawed and dry before placing it in the fryer.
Never Leave Unattended: Always monitor the fryer and keep children and pets far away.
Use the Right Amount of Oil: Overfilling the fryer can lead to spills and fires.
Keep a Fire Extinguisher Nearby: Make sure it’s rated for grease fires, as water can make the fire worse.

How Insurance Can Protect You

Accidents happen, even when you’re careful. That’s why it’s essential to review your homeowners or renters insurance policy to ensure it covers accidental fires or property damage. If a mishap occurs, your policy can help cover repair costs or liability for injuries.

Don’t let a preventable accident dampen your holiday spirit. Stay safe, enjoy your feast, and know that Prepared Insurance Agency has your back if the unexpected happens.

Have Questions?

Reach out to us to review your coverage or for advice on staying protected this Thanksgiving season!

How to Keep Your Home Safe While You Travel

Thu, 14 Nov 2024 15:49:13 GMT

Before you hit the road or the skies, here are some simple steps to help keep your home secure and protected.

The holidays are around the corner, and whether you’re off to visit family, take a vacation, or travel for work, keeping your home safe while you’re away brings real peace of mind. Before you hit the road or the skies, here are some simple steps to help keep your home secure and protected. ��✈️

Set Up Smart Lighting ��

A well-lit home can be a great deterrent for intruders. Use smart lights or timers to turn lights on and off throughout the day, giving the illusion that someone’s home. Pro tip: vary the timing each night to make it look more natural!

Hold Mail & Packages ��
An overflowing mailbox is a signal that no one’s home. Use the USPS Hold Mail service to pause mail delivery while you’re away, or ask a neighbor to bring it in. For packages, consider using an Amazon Hub Locker or similar service for pickup after you return.

Secure All Entry Points ��
It may sound obvious, but double-check all doors, windows, and even your garage to ensure everything is locked. Make sure deadbolts are engaged, and consider installing a security bar on sliding doors for extra reinforcement.

Install or Check Home Security Systems ��
A home security system is one of the most effective ways to protect your property. Cameras, motion detectors, and alarms are great options to monitor your home while you’re away. If you already have a system, test it before you leave to ensure it’s working.

Don’t Broadcast Your Travel Plans ��
Posting real-time vacation updates on social media can unintentionally alert people that your home is vacant. Instead, save those pictures and posts for when you’re back home.

Ask a Neighbor or Friend for Help ��️
If possible, ask a trusted neighbor or friend to check on your home occasionally. They can water plants, pick up unexpected deliveries, and alert you if anything seems off.

Unplug Non-Essential Electronics ��
Reduce fire risk and energy costs by unplugging unnecessary electronics like TVs, chargers, and small appliances.

Review Your Insurance Policy ��
Lastly, make sure your homeowner’s insurance is up-to-date and covers incidents like theft, fire, or storm damage. It’s always better to know what’s covered before an emergency happens.

With a little planning, you can ensure your home stays safe and sound while you enjoy your time away. Safe travels from all of us at Prepared Insurance Agency! ��

Rebuilding After a Natural Disaster: Ensuring You Have the Right Coverage

Wed, 23 Oct 2024 03:43:20 GMT

Tips on what to do after a disaster and how to ensure your home is properly covered.

Natural disasters like hurricanes, tornadoes, and flooding can strike with little warning, leaving families to pick up the pieces and navigate a complex recovery process. While having the right insurance coverage can’t stop the damage, it can provide much-needed financial support to help you rebuild and recover. At Prepared Insurance Agency, we’re committed to helping our community in Wilmington, NC, and beyond understand and obtain the right coverage for their needs.

Understanding the Limitations of Standard Home Insurance

Standard homeowners insurance typically covers wind damage but may not extend to other common hazards like flooding. Unfortunately, many homeowners don’t realize these limitations until it’s too late. Flooding, one of the most common and costly natural disasters, requires separate flood insurance, which is often excluded from basic policies.

How Prepared Insurance Can Help:

We offer a comprehensive review of your current policy to ensure you have the right protection. Our agents will help you understand the difference between homeowners, flood, and windstorm insurance and ensure you’re covered for all possible risks. For example, adding flood insurance can provide peace of mind against heavy rain, storm surges, or overflowing rivers—common occurrences during hurricane season.

Assessing Your Risk and Updating Your Policy

Risk levels can vary based on your home’s location, condition, and proximity to water bodies. That’s why it’s essential to regularly review and update your coverage, especially after major life changes or improvements to your property.

Coverage Check with Prepared Insurance:

We recommend scheduling an annual review with one of our Agents. During this process, we’ll assess your property’s risk for hurricanes, tornadoes, and flooding, making recommendations to adjust your policy limits or add endorsements as needed. For properties in high-risk flood zones, we’ll work with you to navigate the complexities of the National Flood Insurance Program (NFIP) or help you find a private flood insurance policy if needed.

Protecting Your Vehicle and Other Assets

In addition to your home, vehicles and other personal assets can be affected by severe weather. Comprehensive auto insurance can cover damage from fallen trees, flooding, and other hazards that typically occur during hurricanes or tornadoes.

Prepared Insurance’s Approach:

Our team will evaluate your auto insurance to protect you against storm-related damages. We can also bundle home and auto policies to provide additional savings and streamlined service when you need to file a claim.

Planning Ahead for Financial Security

Beyond having the right coverage, preparedness is key. Setting up an emergency savings fund, keeping important documents safe, and knowing your policy details can all help reduce stress in the aftermath of a disaster.

Our Promise:

At Prepared Insurance Agency, we go beyond just offering insurance products. We’re your partner in preparing for the unexpected, guiding you through the steps to protect your home, family, and assets. Whether it’s evaluating coverage, assisting with claims, or providing resources to help you rebuild, we’re here to support you every step of the way.

If you’re unsure whether you have the right coverage for hurricanes, tornadoes, or flooding, contact us today for a complimentary policy review. Let us help you stay prepared—no matter what nature brings your way.

Client Testimonials

"Checked online for affordable homeowners insurance. The contact time was very fast and the rate is very reasonable. The agent could not have been more helpful. The whole experience could not have been better."

-TrustedChoice Customer Review

Is a BOP the Right Coverage for your Business?

Mon, 22 Jul 2024 17:38:03 GMT

Getting the right coverage is the next step to protect all your hard work.

Every small business faces unique risks, and without the right protection, these risks can become costly liabilities. At Prepared Insurance Agency, we understand the challenges small business owners encounter (since we’re one, too!), and we are committed to helping you protect your business with the right insurance coverage. One of the most comprehensive and cost-effective ways to protect your business is through a Business Owner's Policy (BOP).

What is a Business Owner's Policy (BOP)?

A Business Owner's Policy (BOP) combines several essential coverages into one convenient package. It typically includes Property Insurance and General Liability Insurance, offering broad protection against many of the most common risks small businesses face. By bundling these coverages, a BOP can provide more comprehensive protection at a lower cost than purchasing each coverage separately.

Coverage Options Included in a BOP

Property Insurance

Property Insurance covers your business's physical assets, including buildings, equipment, inventory, and furnishings. It protects against risks like fire, theft, and natural disasters, ensuring that your business can recover and continue operating after an unexpected event.

General Liability Insurance

General Liability Insurance protects your business from claims of bodily injury, property damage, and personal injury. Whether a customer slips and falls on your premises or you accidentally damage a client's property, this coverage helps cover legal fees, medical expenses, and any awarded damages.

Business Interruption Insurance

Business Interruption Insurance covers lost income and operating expenses if your business is forced to close temporarily due to a covered peril. This coverage can be a lifeline, helping you pay bills and maintain payroll while your business recovers.

Additional Coverages Offered by Prepared Insurance Agency

Auto Insurance: Protects business-owned vehicles and offers options for liability, comprehensive, and collision coverage.
Home Insurance: Covers your business if you operate from home, protecting against damage to your property and loss of personal belongings.
Flood Insurance: Provides coverage for damage caused by flooding, which is not typically covered under standard property insurance.
Life Insurance: Ensures your family's financial security by providing benefits to your loved ones in the event of your passing.

How to Determine the Right Coverage for Your Business

Determining the right coverage for your business involves assessing your specific risks and evaluating your assets. Identifying potential hazards in your industry and understanding the value of your business assets are crucial steps. Talking with one of our experienced insurance agents can help tailor a BOP to fit your unique needs, ensuring comprehensive protection.

Why Choose Prepared Insurance Agency?

Prepared Insurance Agency stands out for our industry experience, customer service, and competitive rates. Our team includes agents who specialize in small business insurance, providing personalized service and dedicated support. We shop with over 50 carriers to tailor deductible options and discounts to ensure you get a proper rate and coverage that meets your business's unique needs.

Steps to Obtain a BOP with Prepared Insurance Agency

Call or Email Us: Discuss your business needs with one of our knowledgeable agents.
Risk Assessment: We’ll evaluate your business risks with you.
Coverage Recommendation: Our agents tailor a policy to fit your specific requirements.
Ongoing Support: We provide continuous policy reviews to ensure your coverage remains adequate.

A Business Owner's Policy (BOP) is a vital component of a comprehensive risk management strategy for any small business. By bundling essential coverages, a BOP can provide robust protection at an affordable price. At Prepared Insurance Agency, we are dedicated to helping you secure the right coverage.

Additional Resources

FAQs

Q: What is a Business Owner's Policy?
A: A BOP combines Property Insurance, General Liability Insurance, and often Business Interruption Insurance into one policy.

Q: Do I need a BOP if I work from home?
A: Yes, a BOP can still provide valuable protection for home-based businesses.

Client Testimonials

"The agency owner and her staff are true professionals and provide any and all assistance needed to help us service the inspection needs of our mutual clients. They are quick to respond to any questions or issues we have and is a true pleasure to work with. We highly recommend them and their services.”
- TrustedChoice Customer Review

5 Signs It’s Time to Update Your Home Insurance

Thu, 27 Jun 2024 15:26:35 GMT

Is it time to update your home insurance? Check out these 5 signs you might need to.

When you bought your home, you probably got a home insurance policy to protect it. But as life changes, so should your insurance. Your policy should offer the same great protection it did the day you moved in. Here are five times when you should think about updating your home insurance.

1. Home Renovation ��️

A home renovation can boost your home's value, so you might need extra coverage. After your remodel, chat with your insurance agent to update the replacement cost of your home. Your policy may also cover some renovation risks.

2. Just Married ��

Getting married means more stuff in your house. Update your home inventory to include your partner’s belongings and talk to your agent about increasing your liability coverage. Adding your partner to your policy might also save you money with bundling options. Learn more about how marriage can affect insurance, here .

3. Big Ticket Items ��

Standard homeowner policies might not cover all your valuables like jewelry, electronics, and high-end furniture. These items can quickly exceed your policy limits. Take pictures of your valuables and keep the receipts handy. Call your insurance agent to discuss the best coverage options for your prized possessions.

4. Safety Devices ��

Installing deadbolts, security systems, fire extinguishers, and smoke alarms not only keeps you safe but can also get you discounts on your insurance. A security system, in particular, reduces the risk of break-ins, making it a win-win for you and your insurance company.

5. Adopting a Pet ��

Before bringing a new pet home, give your agent a call. Some pets might affect your policy, and you don’t want any surprises. Home insurance often covers incidents like pet bites, but the coverage might be limited. Depending on the type of pet, your premium could go up, so it’s best to review your policy or talk to your agent. Find out more about how adopting a pet can affect your insurance.

Think It’s Time to Update?

If any of these situations sound familiar, it might be time to update your home insurance policy.

�� Contact your Prepared agent to make sure your coverage keeps up with your life.

Prepare Your Home for Summer Vacation

Thu, 06 Jun 2024 15:54:22 GMT

10 steps to keep your home safe while you’re gone

As the days grow longer and the temperatures rise, summer is just around the corner. But before you head off for some carefree fun in the sun, there are a few things you need to take care of at home. Why? Because summer often brings a spike in home burglaries. Although burglary rates have generally declined, they still peak during the summer months. July and August are the worst months for burglaries, according to the Insurance Information Institute (I.I.I.) . ��

The best way to protect your home is to take preventive measures before leaving for any extended period. Here's a handy checklist to keep your home safe while you're away:

1. Hold Your Mail ��

An overflowing mailbox can signal that no one is home. Request a mail hold online through USPS or call your local post office. You can schedule a hold for up to 30 days and pick up your mail when you return. Also, avoid ordering packages that might arrive while you’re away.

2. Stay Off Social Media ��

Posting live updates of your vacation can be a tip-off to burglars that your home is empty. Save your photos and stories for when you get back to ensure you don’t advertise that your house is vacant.

3. Use Timers for Lights ��

Set timers for a few lights in your home to create the illusion that someone is there. Timers for lamps near windows are especially effective. You can find lamp timers at local home improvement stores or online.

4. Double-Check Locks and Windows ��

Ensure all doors and windows are securely locked before you leave. If someone will be checking on your home, make sure they know how to lock everything properly.

5. Install Home Security ��

A home security system can deter potential burglars and alert authorities in the event of a break-in. Consider a professionally monitored system that also includes smoke detectors, carbon monoxide detectors, and water shut-off devices for added protection.

6. Maintain Your Yard ��

An unkempt yard can indicate that no one is home. Mow the lawn and trim hedges just before you leave. For longer trips, arrange for a trusted lawn care service to maintain your yard.

7. Check the Weather at Home ��️

Adjust your thermostat according to the weather forecast for your home. In hot weather, set it about 5 degrees higher than usual but no higher than 85 degrees to prevent humidity buildup.

8. Secure Valuables ��

Store valuables in a safety deposit box or a home safe. If you don’t have either, hide valuables in inconspicuous places around your home, and make a note of where you put them.

9. Take Out the Trash ��️

Ensure you don’t miss your last trash day before you leave. If you do, take the trash to a nearby dumpster to avoid leaving it in your home, which can attract pests.

10. Ask a Neighbor for Help ��

A trusted neighbor can keep an eye on your home, bring in your mail, put out trash bins, and tend to your yard. This not only keeps your home looking lived-in but also ensures quick action if something goes wrong.

By following these steps, you can enjoy your summer vacation with peace of mind, knowing your home is safe and secure. Happy travels! ✈

3 Things to Do Before Adopting a Pet

Mon, 13 May 2024 14:43:04 GMT

Get prepared with these 3 essential tips before bringing a new pet home!

Bringing home a new pet is exciting! The greatest part is going to the l ocal shelter , finding the right “one,” and showering them with gifts and affection. Keep the momentum of being a pet owner going by properly planning your home, finances, and family. Cover these three items BEFORE you adopt a new pet.

1. Learn Your Community’s and Insurance Company’s Rules

The first thing you need to do before you head to the pound is check with your community and insurance agency about breed restrictions. Many HOAs and apartment communities also have weight rules. It would break both you and your new pet’s heart if you get a letter from your neighborhood asking you to get rid of the pet or vacate! If you’re not sure what restrictions your home insurance may have, just give them a call! Your homeowners or renters insurance agent may also advise you to add on dog limited liability coverage to cover any potential dog bite accidents. Did you know that a dog poses an increased risk and may result in the cancellation of your insurance coverage?

2. Do Some Research on the Type of Pet You Want

An anaconda may sound like a cool, edgy pet, but make sure you look into how big that snake will grow and what his diet requirements are. Not to mention, does insurance cover anacondas? Some breeds of dogs or cats are more likely to have bad health problems, some have shorter life spans than others, and others need more space to live. Always think of a pet as a member of your family and not an accessory. It wouldn’t be fair to a large pup to live in a small space with no place to play! Also, consider an animal that matches your lifestyle. If you’re a runner, go for a more athletic, energetic dog instead of a dog breed that prefers to nap all day.

3. Make Sure You’re Ready for the Lifetime Commitment

Because your new pet is a member of your family, they are there to stay! Through a new baby, moving, vacations, retirement, or storms, you can’t leave them behind. Find a pet-friendly shelter, border, and vet to cover all bases and prepare for a disaster before you adopt. If these items feel daunting, consider downsizing the type of pet! The cost of getting a fish is going to be cheaper in the long run than a dog. Determine how much you can afford and commit (both time and money) ahead of time!

Planning before your furry friend arrives can help prevent potentially dangerous or financial problems. Looking for more pet prep tips? Visit our Facebook or Instagram !

Insuring Your New Valentine’s Day Jewelry

Thu, 15 Feb 2024 17:27:50 GMT

Our expert tips to guarantee your jewelry and other valuables are properly insured.

You made it through Valentine's Day - the time of the year when love is in the air and the pressure is on your significant other to remind you how much you are admired (and vice versa). Whether you received chocolates, flowers, or a romantic dinner this Valentine's Day, jewelry was the favorite gift this year with over $4.1 billion spent on jewelry purchases in the U.S . ��

Maybe Valentine’s Day was even the day your loved one popped the big question! While insurance was probably not the first idea that came to mind after receiving that shiny new diamond on your finger, one of your next steps should be to contact your Prepared insurance agent to put coverage on your new bling. ��

Jewelry losses are among the most frequent of all content-related home insurance claims according to the Insurance Information Institute . With the standard homeowner's insurance policy, jewelry and personal items would be covered if they were destroyed by specific disasters listed in your policy (such as a fire or hurricane). ��

However, most policies limit coverage to $1,500 for lost or stolen jewelry . With the cost of engagement rings, wedding bands, and other jewelry items continuously rising, there is a good chance that those precious items you value may exceed your coverage limits on your homeowners or renters policy. ��

It is important to contact your insurance agent about adding additional coverage for your special items to ensure they are properly protected. You may be thinking “But I already have a protection plan on my ring from the jewelry store it was purchased from.” While you have this protection and it is beneficial, the typical protection plan provided by jewelers only covers specific repairs and services to the item alone . If you do not have your item regularly inspected, according to their guidelines, your coverage may be voided. ��

Some jewelers offer a protection plan with limited theft replacement, however, those ordinarily only last for two years from the date of purchase and come with many stipulations. Losing the merchandise or the “mysterious disappearance” of the entire piece is not covered (for example: while you're doing dishes your ring slips off your finger and goes down the drain and is unable to be recovered). ��

Simple steps can be taken to ensure your jewelry is properly insured

Contact your Prepared insurance agent to see what your current policy covers. Consider purchasing additional personal property coverage to provide you with the necessary protection to replace the item if lost or stolen. ��
Keep the store receipt from your jewelry purchase for your records and provide a copy to your agent when adding coverage for your item to be maintained as part of your insurance policy. This will help speed up the claim process if you have a loss. Make sure you also update your home inventory with your new jewelry. Learn how to make a Home Inventory . ✅

If you do not have the original receipt (usually the case when it comes to vintage and antique jewelry) or if you are adding an item you have owned for more than 3 years, be sure to have your item appraised for the replacement value and provide your insurance agent with the copy of the appraisal. And, remember, the price of precious metals and stones have been increasing in recent years so maintaining current appraisals and updating your coverage will ensure you are fully covered. ��
Take a photo of your jewelry. Provide a copy of your photos to your agent with your receipt of appraisal and also maintain copies in your records. This is just another way to keep a record of your item to show what condition your jewelry is in and to assist in the claim process should you experience a loss. ��
When not wearing jewelry, store it in a secure location. The best way to keep track of your valuables, when you aren't wearing them, is to buy and install a safe in which to store your precious items. Or, consider a safe deposit box at your local bank. You can keep your receipt or appraisal in the safe as well. ��

Putting an insurance policy on your engagement ring or other jewelry may sound unromantic, but nothing could show you care more than ensuring your cherished items are forever secure. Hope you had a wonderful Valentine’s Day! ��

Planning for a Super Bowl Party?

Wed, 07 Feb 2024 16:18:45 GMT

Here's your playbook to score a touchdown with your Super Bowl party guests.

Ready for Super Bowl LIII? Whether you're a football fanatic or just in it for the ads (or a potential Taylor Swift sighting), gearing up for the big game requires more than just nachos and a comfy couch! While prepping for the day, one thing you might not consider is the liability risks you face while hosting a party. Before you dive into hosting or attending a Super Bowl party, let's huddle up and check your game plan. ��

Avoiding Fumbles in the Kitchen ��
Safety first, flavors second! If you are using the stove, keep a close eye on the stovetop to avoid any grease fires, burns, and injuries. Keep the kitchen area clear and request that guests give you space while you prepare the game day goodies. Never leave the kitchen unattended if the stove is on.

If you’re planning on grilling out, make sure to only use the grill outside and don’t leave the grill unattended for long periods. Grilling inside, in garages, or partially enclosed rooms is extremely dangerous.
Securing Your Entertainment Center ��
Excitement can turn your living room into a football frenzy! Make sure your TV is securely mounted or positioned to prevent game day mishaps. If children are attending your party, they could get seriously hurt from a TV tipping over. Let's not let a toppled TV be our post-game highlight.
Keeping Your Home Accident-Free ��‍♂️
Colder weather brings new hazards. Before your guests arrive, make sure your home, driveway, stairs and walkway are clear of any potential trip and fall hazards and prevent accidents. Move breakables away from enthusiastic fans, and let's avoid any accidental touchdown dances near your prized possessions! Accidental breakage is typically excluded from your homeowners or renter's policy.
Understanding Social Host Liability ��
A good defensive strategy is to familiarize yourself with your state's Social Host Liability Laws! In some states, party hosts can be held responsible if any of their guests are involved in an accident after consuming alcohol on their property. While the majority of homeowners insurance liability coverage may protect you in the event of a lawsuit, keep everyone safe, avoid legal hurdles, and enjoy the game without any unexpected penalties.
Encouraging Responsible Drinking ��
Let's avoid fourth-quarter fumbles and make sure everyone gets home safely. Designate drivers in advance, and prep guests for longer Uber/Lyft waits and surcharge pricing. To prevent anyone from becoming too impaired, serve lots of food throughout the evening- especially high protein and non-salty foods in addition to a variety of non-alcoholic beverages. Also, stop serving alcohol at the beginning of the third quarter of the game and set out the football-themed desserts.

In addition to these tips, consult your Prepared insurance agent to review your coverage and understand your liability protection. It's like having an extra player on your team for the win! ��

Finding Your Perfect Home

Tue, 12 Dec 2023 19:37:29 GMT

A home can be your largest investment and place of security for you and your family. You want it to check all of the boxes on your wish-list, but can it be done?

Buying a home can be overwhelming, to say the least. A home can be your largest investment and place of security for you and your family. You want it to check all of the boxes on your wish-list, but can it be done? With this guideline, you can be on your way to finding your perfect home!

Make a List of Must-Haves

One of the first things you must do is narrow down your options. You can do this by creating a list of the items you MUST have! Imagine yourself living in a home. Do you want enough rooms for each person in your family plus a guest room, or are you downsizing? If what you’re currently living with is not enough, then look into increasing the amount of square footage and where it’s needed. This could be bedrooms, kitchen, bathroom, etc. Make note if you would love to have a pool or a large yard as well. Create a section on your list if you’d like certain characteristics, but they aren’t deal breakers.

Know Your Budget

Talk to a lender before starting your search to determine how much you will be able to afford each month. We’ve all been there – saw an amazing car or outfit and went out looking for it only to learn that it’s out of our price range. Once you have an estimate of the max you can spend, take caution when looking at homes in your price range. It may be in the budget, but if it needs some work, it could ultimately put you way over.

Be Realistic with Size

A bigger home may sound ideal, but be realistic about the size. Many families don’t eat in the outdated “formal” dining room or have separate living and family rooms. Adding on extra square footage can quickly hike up the time you spend cleaning as well as your mortgage and utility bills. Keep in mind, it’s going to cost a lot more in the summer to cool that home with two extra bedrooms and cathedral ceilings! Use this guide to estimate a home’s utility cost.

Willing to Do Some Work?

This point is important. Do you want a turn-key ready home, or are you willing to put in some work? Cost can come into play for either option. You may think you’re saving a ton on a fixer-upper when in reality you could end up spending the same amount or more than it would have cost you to buy an updated home. If you choose a home that needs some work, you’ll need some additional homeowners coverage.

Do Your Research!

To avoid paying too much for a home, look at what similar homes in the neighborhood have sold for. Go by the home during rush-hour and on the weekends to see how traffic changes, figure out which school district it’s in, and the location of any shopping areas you’d like nearby.

The most important thing to keep in mind: Be realistic in every aspect! An older home may be less expensive but needs work and could affect your homeowners insurance rates. Don’t rush anything and enjoy the process of starting a new chapter in your life!

Looking to insure a new home? We can help! Get in touch online or give us a call today.

Home for the Holidays: Is Your Home Insurance Ready?

Thu, 30 Nov 2023 18:56:01 GMT

As you gear up to host friends and family during the holiday, ensure that your home is adequately protected.

'Tis the season to be jolly, and as you gear up to host friends and family in your home, it's essential to not only deck the halls but also ensure that your home is adequately protected. Let’s walk through the essential steps of checking your home insurance policy so you can have peace of mind during this festive season.

The holidays are joyful, but they can also bring unique risks. From flickering candles to lively gatherings, accidents can happen. Before you dive into the festivities, consider the potential risks and liabilities that could arise.

Coverage Tailored for Celebration

Your standard home insurance might cover the basics, but does it consider the increased risks of holiday celebrations? Accidents, property damage, and unexpected mishaps – your policy should have you covered.

Property Damage Protection:
Ensure your policy covers potential damages during the festivities – from a spilled glass of eggnog to an accidental ornament collision.
Liability Coverage:
Hosting guests increases the risk of accidents. Confirm your liability coverage is robust enough to protect you if a guest is injured on your property.
Preserving Your Possessions:
With the holiday hustle, the risk of damage to personal belongings rises. Check that your policy covers your possessions, especially those new gifts and cherished decorations.

Tips for a Safe and Festive Celebration

Create a Safety Zone:
Minimize risks by creating a safe environment. Secure decorations, use non-slip rugs, and keep walkways well-lit to prevent accidents.
Guest Safety Guidelines:
Remind guests of potential hazards, providing clear guidance on areas to avoid. Open communication is key to preventing accidents.
Document Your Valuables:
Before celebrations start, document valuable items through photos or a detailed inventory. This step can be invaluable in the event of a claim.

Ready to Ensure a Truly Festive Season?

Don't leave the safety of your home to chance. Call us today for a personalized review of your home insurance policy. We’re ready to answer your questions, address concerns, and tailor your coverage to the unique needs of your holiday celebrations.

Or, if you want to check your prices with Prepared, click here to fill out our quick online form and we will provide you with a free quote. Protect what matters most, and enjoy the holidays with true peace of mind.

We wish you a safe and happy holiday season!

Introducing Our New Sales Executive, Anthony Crumpton

Thu, 02 Nov 2023 04:18:32 GMT

Welcome Anthony to the Prepared team!

We're thrilled to introduce the newest member of our team, Anthony Crumpton, who has joined our agency as a Sales Executive. Anthony brings a wealth of experience and a passion for helping our community protect what matters most. We're excited to have him on board, and we'd like to share a bit more about him and what his addition means for our agency and our clients.

Local Roots and Coastal Charms

Anthony was born and raised in Chapel Hill, NC. With a deep connection to our state, he moved to Wilmington, NC, to attend the University of North Carolina Wilmington (UNCW) and experience the beauty of our coastal region. This connection to the local area is something that truly sets him apart, and it's a quality we believe will greatly benefit our clients.

After graduating with a degree in business marketing, Anthony began his professional career in the banking and financial sectors. These experiences equipped him with a strong foundation in financial services and a keen understanding of the financial needs of individuals and businesses alike.

A Journey into Insurance and Client Dedication

In 2009, Anthony decided to transition to the insurance industry, where he found his true calling. He initially focused on personal lines of insurance, helping clients secure their homes and vehicles. Over the years, Anthony expanded his knowledge and expertise to offer commercial insurance solutions to business owners, ensuring comprehensive coverage for all. His dedication to delivering exceptional service and tailored insurance solutions quickly made him a trusted advisor for countless individuals and families in North Carolina.

"My goal is to make a positive impact by not only helping our clients prepare for the twists and the turns but also by actively contributing to the betterment of our local community,” said Anthony. “I look forward to building strong relationships and being a trusted advisor to our clients, ensuring that they have the right insurance coverage for their needs.”

Passions Beyond the Office

While Anthony's dedication to insurance is undeniable, he also knows how to enjoy life outside of the office. He shares his love for the coastal lifestyle by spending quality time boating with his lovely wife and friends, along with pursuing offshore fishing and hunting adventures. Game days are a must, and you can bet that every Saturday from September to December, he's cheering for the UNC Tar Heels!

The Impact on Our Agency and Community

"With Anthony's deep roots in our local North Carolina communities, his extensive financial background, and his commitment to providing top-notch service, he is well-prepared to help our clients protect their homes, cars, and businesses,” said Prepared Agency Principal Laura Crumpton. “I’m confident that his expertise and dedication will contribute to the growth of our agency, allowing us to continue serving the unique needs of North Carolina and beyond.”

If you're looking for insurance professionals who not only understand the local landscape but also possess the knowledge to provide you with the best coverage, look no further than Prepared Insurance Agency. Our mission is to ensure you have the best coverage tailored to your needs.

Give us a call , send us a message online, or swing by our Wilmington office . We’d love the opportunity to connect with you and provide valuable support as you prepare for life's voyage.

Plan, Prepare, and Help Your Neighbors

Wed, 18 Oct 2023 04:05:37 GMT

Many people, especially senior citizens, rely on the assistance of neighbors for preparation before a storm.

When a storm is on the horizon, it's not easy for everyone to rush out of their homes to prepare. Nearly half of all Americans will find themselves leaning on their neighbors before and after a disaster strikes. A little bit of empathy can work wonders, and community preparedness is a shared responsibility that calls for everyone's involvement. So, let's roll up our sleeves and get ready for action with these community strategies. ��

��Neighborly Check-Ins

How about starting with a friendly chat with your neighbors? Find out how you can lend a hand and vice versa. Before rushing to the store, make it a habit to ask your neighbor if they need anything. You see, relying on public transportation or waiting for a ride can hinder a person from being able to adequately prepare for a storm. ��

⚡Building Bonds Before the Storm

Don't wait for an emergency to start building those connections. Power outages might make it impossible to reach out to the neighbors who might need your help the most. So, make an effort to get to know your community members before the storm clouds gather. That way, you'll have a better idea of who might need a helping hand as soon as the storm passes. ��️

��Lend a Hand Through Volunteering

Volunteering in your community can make a world of difference for those severely impacted by a disaster. The lessons from past catastrophes have shown us that collective preparation and working together can lead to a safer tomorrow. ��

Want to know more about how you can support your community? Check out these fantastic organizations dedicated to disaster relief:

Community Emergency Response Teams ��
American Red Cross ��
Meals on Wheels ��️
National Voluntary Organizations Active in Disaster ��

��Empower Yourself to Empower Others

With the right training and a willing heart, anyone can step in and help a neighbor in need. When neighbors come together, the whole community can respond and recover effectively, ensuring everyone's needs are met. ��

For more tips on preparing for natural disasters, don't forget to explore our Hurricane Quick Guide packed with faqs and resources to help you Before, During and After a storm.

Contact your Prepared insurance agent to make sure you have the home, auto, and flood coverage you need to weather any storm.

A Beginner's Guide to Understanding Hurricane Development

Wed, 20 Sep 2023 15:48:37 GMT

Learn about the birth, growth, and potential impact of hurricanes, along with expert tips on preparing for each stage.

Hurricanes, those powerful and sometimes scary storms, don't just appear out of nowhere. They go through a fascinating journey of development before they become the mighty forces of nature we see. In this beginner's guide, we'll break down the stages of hurricane development and how you can prepare for each.

Stage 1: Tropical Disturbance – The Humble Beginning

Imagine a pot of water on a stove, slowly heating up. That's what happens in the warm ocean waters. Sometimes, the warm water and moist air create a cluster of thunderstorms. We call this cluster a "tropical disturbance." At this stage, it's like a baby hurricane, just starting to stir.

Expert Tip: Stay Informed – Keep an eye on weather updates and forecasts. Even at this early stage, it's a good idea to start paying attention to the weather in your region.

Stage 2: Tropical Depression – Baby Steps

When things get a bit more organized in that cluster of storms, it becomes a "tropical depression." Don't worry; it doesn't mean the weather is sad. It's just a name for a growing storm system. At this point, the winds are still fairly gentle, less than 39 miles per hour.

Expert Tip: Prepare Your Emergency Kit – Now is the time to start putting together your emergency kit. Include non-perishable food, bottled water, flashlights, batteries, a first-aid kit, and important documents.

Stage 3: Tropical Storm – It's Got a Name!

When a tropical depression grows up a bit, it earns a name – like a superhero getting a cape. We call it a "tropical storm." Now, the winds are stronger, between 39 and 73 miles per hour. It starts to get more serious, and we keep a close eye on it.

Expert Tip: Secure Outdoor Items – As the storm approaches, secure or bring inside any outdoor items that could become flying hazards in strong winds. Trim trees and bushes to reduce the risk of falling branches.

Stage 4: Hurricane – The Big Kahuna

When a tropical storm gets even stronger, it becomes a full-blown "hurricane." Hurricanes are like the rock stars of the storm world. Their winds are at least 74 miles per hour, and they can be incredibly powerful. They have a special center called the "eye," which is calm and clear, but all around it, there's chaos.

Expert Tip: Evacuate if Necessary – If you're in an evacuation zone or an area prone to flooding, follow evacuation orders from local authorities. Your safety is the top priority.

Categories and Numbers – Measuring Hurricane Strength

We like to classify hurricanes by categories to understand how strong they are. It's like giving them a rating. Category 1 is the mildest, while Category 5 is the most intense. The higher the category, the stronger the hurricane's winds and the more damage it can cause.

Get Prepared – Be Prepared

Now that you understand the stages of hurricane development and have some expert tips for each stage, it's crucial to be proactive and prepared . Don't wait until a hurricane is knocking on your door! Make sure you're ready to safely ride out hurricane season.

Ready to ensure your home and vehicle are protected during a hurricane? Get a quote on our website today and secure your peace of mind. Our agents will ensure you have the best coverage tailored to your needs.

Preparing your Home and Car During Hurricane Season

Wed, 06 Sep 2023 17:09:29 GMT

Your simple guide to get prepared for a hurricane.

At Prepared, we're all about keeping you safe and informed when it comes to natural disasters. Hurricanes and tropical storms are becoming more common and intense, so understanding how to protect your home and car is crucial. With our help, you can reduce risks, be prepared, and minimize the chances of dealing with insurance claims later on.

Hurricane season runs from June 1 through November 30. Recent climate studies show that hurricanes are getting stronger and happening more often. Repairing homes after a storm can cost anywhere from $350 to $50,000 . Since hurricanes can cause significant damage, it's wise to be ready for the higher end of that estimate.

Here's a simple guide for you to get prepared for a tropical storm or hurricane.

Hurricane Frequently Asked Questions

How will I know if a hurricane is coming?
Local officials and weather experts will give you a heads-up 36–48 hours in advance.
What can a hurricane do to my home?
A light hurricane might be like heavy rain or strong winds, but a big one could even damage your home's foundation, making it unsafe to live in.
What can I do to protect my home from hurricane damage?
You can protect your home by sealing gaps, adding storm shutters, and other precautions that make it stronger against the wind and rain.
Does my home insurance cover hurricane damage?
Your regular insurance might cover wind and rain damage, but flood damage usually needs a separate flood insurance policy .
Does my car insurance cover storm damage?
If you have comprehensive auto insurance, it should cover storm-related damage, but basic collision insurance won't.

Before the Storm

Know the difference between a hurricane watch and a warning. A Hurricane Watch means conditions are possible, while a Hurricane Warning means they're expected. Watches come 48 hours ahead, warnings 36 hours ahead.

�� Stock Up:
Have enough food, water, medicine, and supplies for emergencies. Don't forget your pets' needs.

�� Protect Your Valuables:
Important papers and things can get damaged, so put them in waterproof bags and containers. A waterproof safe is best. This helps you recover faster after a storm.

�� Get Your Car Ready:
If you can, park your car in a garage. Also, maintain your car and keep an emergency kit inside with jumper cables, blankets, and more.

�� Shield Your Home:
Remove stuff that could fly around, put up storm shutters, and secure your garage door. Make sure your fuel tanks are secure and unplug appliances. If you have time, add surge protection to your electrical system.

��️ Secure Inside:
Raise furniture off the floor in case of flooding, board up doors, and move things that could fall or cause harm.

��Plan for Leaving:
Stay updated on alerts and know your evacuation routes. Unplug devices and turn off power, gas, and water before you leave.

After the Storm

�� If You're Home:
Check your carbon monoxide detector, avoid wet electrical devices, and use flashlights instead of candles. Be cautious with tap water.

�� After Evacuation:
Stay informed before going back home. Watch out for hazards like downed power lines and avoid driving in deep water.

�� If Your Home Is Damaged :
Talk to your insurance if your home is too damaged to live in. Check out resources like FEMA. You might be able to delay mortgage payments. Call your mortgage provider for help.

Filing Insurance Claims

Whether you stayed home, evacuated, or need a new place, keep a record of your efforts including the time and money spent, and take photos of all the damage to your home along with any damaged furniture or items. ��

Remember, your regular insurance might cover wind and rain, but you need additional insurance for flooding. Work with your agent to find reputable contractors and avoid scams. ��

We're here to help whenever you need us. If you have questions, call your Prepared agent for personalized guidance! ��

Insuring Your Child's Success: Back-to-School Coverage Tips

Wed, 23 Aug 2023 20:56:37 GMT

From gadgets to class commutes, we've got you covered.

Summer's sun-soaked days are winding down, and the school bell's sweet chime is just around the corner. As parents, you're getting ready to equip your kids for another exciting year of learning. Amidst the hustle and bustle of back-to-school preparations, let's not forget about the importance of insurance coverage. ��

1. Protect Valuable Items: �� Modern education often involves tech gadgets like laptops and tablets. Make sure these valuable items are covered by your insurance in case they're lost, stolen, or damaged. Keep a record of their serial numbers and purchase receipts, which could be a lifesaver if you need to file a claim.

2. Liability Coverage: ��️ If your child is heading off to college and living in a dormitory or apartment, liability coverage becomes crucial. It can protect you in case your child accidentally damages the property or causes harm to others. Be sure to understand the scope of this coverage and consider adjusting it if needed.

3. Auto Insurance Considerations: �� If your child is taking a car to college or driving to school, review your auto insurance policy. Different locations might have different insurance requirements or rates. Ensure your child's coverage aligns with their new situation and explore any available discounts for students.

4. Renters Insurance for Students: �� For students living off-campus, renters insurance is a smart investment. It provides coverage for personal belongings in case of theft or damage, and some policies also include liability coverage. It's a small cost for peace of mind regarding your child's possessions.

5. Chat with Your Insurance Agent: �� Before the school year begins, take a moment to reach out to your insurance agent . We can provide guidance on policy adjustments, recommend suitable coverage options, and address any concerns you might have about insuring your child's journey through the school year.

As you gear up for another chapter of education and growth, remember that insurance coverage is an essential part of ensuring your child's well-being and your family's financial security. By giving these insurance tips some thought, you're setting the stage for a successful and worry-free school year. ��

Prepared Insurance Blog

Power Hour Reset: Tame Household Chaos in 60 Minutes a Day

School’s back. Work’s wild. Your kitchen counter is missing under the clutter. Setting aside one hour a day can pay off big for your household.

That’s where the Power Hour Reset comes in.

Fall Into Better Coverage This Season

Autumn brings new risks for homeowners and drivers, from clogged gutters to fireplace fires.

Here are 5 ways you can keep your family and home protected this fall:

What to do During a Flood

Flooding can happen fast and often in places you least expect it. Here's steps to take before, during and after a flood.

Before a Flood

During a Flood

After a Flood

Why Flood Insurance Matters, Even If You’re Not in a High-Risk Zone

Summer Car Survival Kit: 9 Must-Have Items to Keep Your Cool

Sweaty seats, sunburned arms, and snacks that didn’t make it? Here’s what to keep in your car to go from “melting down” to “I’ve got this.”

�� Must-Haves for Every Summer Car Kit

�� Don’t Forget the “Grown-Up” Stuff

��️ Check Your Insurance Coverage Before You Hit the Road

Hurricane Ready: What Your Insurance Actually Covers

Hurricane Preparedness Week is here. Do you know what your insurance actually covers?

Homeowners Insurance Doesn’t Always Cover Flooding

Wind Damage Can Be a Gray Area

Power Outages & Food Spoilage: Sometimes Covered, Sometimes Not

Temporary Housing Is Often Included, But With Limits

Trees, Fences, and Sheds May Need Extra Protection

5 Ways to Spring Clean Your Insurance Coverage

Just like your house, your insurance needs a seasonal refresh!

1. Review Your Home Inventory ��

2. Check Your Auto Coverage ��️

3. Look Over Your Deductibles ��

4. Update Your Contact Info & Beneficiaries ��

5. Prepare for Spring Weather Risks ��️

Ready for a Spring insurance refresh? ��

Are You Prepared for Floods?

Even if you’re not in a high-risk zone, flooding can cause serious damage that home or renters insurance doesn’t cover.

Read more

The Costly Risks of Letting Your Insurance Lapse

A small mistake could lead to major financial headaches, from higher premiums to uncovered accidents.

What happens if your coverage lapses?

How to prevent a lapse in coverage

The Bottom Line

5 Insurance Myths You Should Stop Believing

From ‘red cars cost more’ to ‘home insurance covers everything’—we’re breaking down the biggest misconceptions.

1. Red Cars Cost More to Insure ��❌

2. Home Insurance Covers Everything ����

3. If You Have Life Insurance Through Work, You Don’t Need More ��⚖️

4. Minimum Auto Insurance is Enough ����

5. Flood Insurance is Only for High-Risk Areas ����

Final Thoughts ��

Renters Insurance: Affordable Protection for Your Belongings

Are you a renter? Don’t skip on protection! Spoiler: It’s more affordable than you think.

Winter-Ready: Top Home Safety Tips for 2025

New year, new safety habits! Protect your home and family with these winter tips.

1. Test Your Detectors

2. Inspect Heating Systems

3. Protect Pipes from Freezing

4. Secure Outdoor Areas

5. Review Your Insurance Policies

5 Insurance Tips for a Stress-free Holiday Season

Whether you’re protecting new gifts, hosting guests, or traveling, we’ve got actionable tips to keep you covered.

1. Protect High-Value Holiday Gifts ��

2. Review Your Liability Coverage ��

3. Keep Your Home Safe While Traveling ✈️

4. Prepare for Winter Weather Hazards ❄️

5. End-of-Year Policy Review ��

Enjoy the Holidays Without Worry ��

Stay Safe While Frying Your Thanksgiving Turkey

Fires, burns, and property damage are just a few of the dangers that can quickly ruin your holiday.

Key Turkey Frying Safety Tips

How Insurance Can Protect You

Have Questions?

How to Keep Your Home Safe While You Travel

Before you hit the road or the skies, here are some simple steps to help keep your home secure and protected.

Rebuilding After a Natural Disaster: Ensuring You Have the Right Coverage

Tips on what to do after a disaster and how to ensure your home is properly covered.

Understanding the Limitations of Standard Home Insurance

Assessing Your Risk and Updating Your Policy

Protecting Your Vehicle and Other Assets

Planning Ahead for Financial Security

Client Testimonials

2. Home Insurance Covers Everything ��

4. Minimum Auto Insurance is Enough ��

5. Flood Insurance is Only for High-Risk Areas ��