Homeowners Insurance Rates Rising

Following a series of catastrophes, agents say insurers are raising pricing, changing coverage requirements.Homeowners insurance rates are on the rise this year, largely driven by losses from significant catastrophes in the U.S. over the past few years, independent insurance agents and an industry expert say. Pricing is expected to climb 4.5% to 5% on average [...]

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Reduce Your Risk

PERSONAL VEHICLES DRIVEN BY YOUR EMPLOYEES AND/OR VOLUNTEERS Did you know that if one of your employees or volunteers is involved in an accident while driving their own vehicle on business for your nonprofit, their personal auto insurance is the primary coverage? But what if their coverage isn’t sufficient to cover the incident or their [...]

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What is going on in the The Catastrophe Reinsurance Market?

The Cat reinsurance market is very tight for 2012 – not just for us or our state and a brief recap shows the some of the issues: • 2011 was the most expensive and deadliest hurricane season in the U.S. since 2008. Three Atlantic storms caused a combined $8 billion in damage. • 2011 was [...]

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Internet Privacy Statement

Privacy Statement At Cashiers Insurance Agency, we are committed to protecting your privacy as a visitor to this website and as our customer. To our visitors and to our customers, we offer this pledge: Certain information you may provide to us is confidential in nature, and we have adopted a formal privacy policy to explain [...]

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Why Choose an Independent Agent?

Different Types of Agents Some people believe that it doesn’t really matter where they buy their insurance. But, this misconception could be costing them money, service and protection. Buying insurance is not like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Do not [...]

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Summary of Recently Enacted Laws Affecting Insurance

The first two new laws have more importance to insurance agency practices and operations than the other laws listed. Senate Bill 740 (Session Law 2009-561) affects the 2008 Mandate for Uninsured and Underinsured Motorists Coverage. It revises one aspect of the previous law and clarifies another. In 2008, a law was passed mandating UM/UIM coverage [...]

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Implementation of House Bill 1305

Now that House Bill 1305 has been ratified and enacted into law, implementation begins. There are basically three effective dates specified in the law. The loss mitigation credits and the installment payment plan required by the law are due to be implemented by May 1, 2010. The 1% Named Storm Deductible provisions will be implemented [...]

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NC Homeowner’s Crisis

Unfortunately, at this time, North Carolina especially Western NC, is in a “Homeowners” crisis and we have no carriers that are willing to insure any home at this point, seasonal or primarily occupied, without also insuring an Auto policy. Farmers Insurance Company, Encompass and Donegal having completely exited, North Carolina and non-renewing all their homeowner’s [...]

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How to Winterize your Home

Just a friendly reminder, you cannot count on continuous electricity during the winter months here in the mountains. If your home will be unoccupied during the winter season for any length of time, I would highly suggest that you winterize your dwelling. Unfortunately, we cannot predict a snowstorm or an ice storm. With little or [...]

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