Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Tom Needham Insurance Agency Offering You Better Prices and the Best in Service! ## Sitemaps - [XML Sitemap](https://tomneedhaminsurance.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://tomneedhaminsurance.com/blog/) - Visit our blog frequently. It is updated on a regular basis with tips for homeowners and car insurers, insurance coverage details and everyday articles of interest. - [Why Are Car Insurance Rates Going Up in North Carolina?](https://tomneedhaminsurance.com/why-are-car-insurance-rates-going-up-in-north-carolina/) - See why car insurance rates are rising in North Carolina, how 2025 law changes affect Greensboro drivers, and how to compare quotes before renewal. - [Understanding the Difference Between Flood and Water Damage Insurance](https://tomneedhaminsurance.com/understanding-the-difference-between-flood-and-water-damage-insurance/) - Learn the key differences between flood and water damage insurance, what each covers, and why both are essential for protecting your property. - [Tips for Selecting the Best Motorcycle Insurance for Your Needs](https://tomneedhaminsurance.com/tips-for-selecting-the-best-motorcycle-insurance-for-your-needs/) - A motorcycle can be a beautiful machine to ride, but a difficult accident to overcome. Here is what to look for when selecting the best motorcycle insurance. - [Car Insurance in Greensboro NC: Coverage, Rates & How to Stop Overpaying in 2026](https://tomneedhaminsurance.com/car-insurance-in-greensboro-nc-coverage-rates-how-to-stop-overpaying-in-2026/) - Learn Greensboro NC car insurance coverage, 2026 rate changes, new NC liability limits, and smart ways drivers can compare quotes and avoid overpaying. - [North Carolina Minimum Car Insurance Requirements (2026 Guide)](https://tomneedhaminsurance.com/north-carolina-minimum-car-insurance-requirements-2026-guide/) - Learn North Carolina’s 2026 minimum car insurance requirements, including 50/100/50 limits, mandatory coverage rules, lapses, and coverage tips. - [What Car Insurance Coverage Do You Actually Need in North Carolina?](https://tomneedhaminsurance.com/what-car-insurance-coverage-do-you-actually-need-in-north-carolina/) - Learn what car insurance coverage you really need in North Carolina, from state minimums to full coverage, and how to compare policies wisely. - [Got a Food Truck? Here’s How to Lower Commercial Auto Premium Without Losing Coverage](https://tomneedhaminsurance.com/got-a-food-truck-heres-how-to-lower-commercial-auto-premium-without-losing-coverage/) - Learn how Greensboro food truck owners can lower commercial auto insurance premiums without losing essential coverage. - [50/100/50: Why NC Just Doubled Its Commercial Auto Minimums (and What It Costs You)](https://tomneedhaminsurance.com/50-100-50-why-nc-just-doubled-its-commercial-auto-minimums-and-what-it-costs-you/) - North Carolina doubled commercial auto minimums to 50/100/50 from July 1 2025. Learn what the change means for renewals premiums and business risk. - [Why Your Greensboro Car Insurance Just Increased: 3 Ways to Re-Lower It](https://tomneedhaminsurance.com/why-your-greensboro-car-insurance-just-increased-3-ways-to-re-lower-it/) - Greensboro car insurance rates are rising due to repair costs and NC rule changes. Learn why your premium increased and 3 smart ways to lower it. - [Hosting Thanksgiving? Here’s How to Avoid Holiday Liability Claims](https://tomneedhaminsurance.com/hosting-thanksgiving-heres-how-to-avoid-holiday-liability-claims/) - Hosting Thanksgiving? Learn simple ways to keep guests safe and prevent costly holiday liability claims before, during, and after the big meal. - [Bundling Home and Auto: How Much Can You Really Save?](https://tomneedhaminsurance.com/bundling-home-and-auto-how-much-can-you-really-save/) - Discover how bundling your home and auto insurance can lower your premiums and maximize savings without sacrificing coverage or quality protection. - [Greensboro Teen Drivers in 2025: New “Inexperienced Operator” Surcharges Explained + How to Lower Them](https://tomneedhaminsurance.com/greensboro-teen-drivers-in-2025-new-inexperienced-operator-surcharges-explained-how-to-lower-them/) - North Carolina expanded the inexperienced operator period in 2025. See how it affects Greensboro families and learn ways to cut teen driver insurance costs. - [Home Insurance & Halloween: Are You Covered for Tricks, Treats, and Liability?](https://tomneedhaminsurance.com/home-insurance-halloween-are-you-covered-for-tricks-treats-and-liability/) - Table of Contents Toggle 🎃 The Unique Risks of Halloween for Homeowners🏠 What Home Insurance Policies Generally Cover (and What They Don’t)✅ How to Prepare & Reduce Your Risks This Halloween🧩 How Tom Needham Insurance Can Help You Get Ready🎯 Wrap-Up & Final TipsKey takeaways: Each Halloween night, homes transform into haunted houses, front yards - [Understanding Umbrella Insurance: Extra Protection for Unseen Liabilities](https://tomneedhaminsurance.com/understanding-umbrella-insurance-extra-protection-for-unseen-liabilities/) - Table of Contents Toggle What Is Umbrella Insurance?Why Liability Risk Is Higher Than EverCommon Risk Scenarios:Legal settlements and medical costs are on the rise. In fact:What Does Umbrella Insurance Cover?How Much Coverage Do I Need?General Rule of Thumb:Why Choose Tom Needham Insurance for Umbrella Coverage?Final Thoughts: Peace of Mind, Priceless Protection Most people feel confident - [Inflation Impact: Why Your Business Property Is Dangerously Underinsured Right Now](https://tomneedhaminsurance.com/inflation-impact-why-your-business-property-is-dangerously-underinsured-right-now/) - Rising rebuild costs and coinsurance traps mean many NC businesses are underinsured. Learn why inflation puts your property coverage at risk now. - [Warning: Don't Drive in NC Until You Read About These 5 Insurance Changes](https://tomneedhaminsurance.com/warning-dont-drive-in-nc-until-you-read-about-these-5-insurance-changes/) - NC drivers face higher liability limits, standard UIM cover, and longer surcharge periods. Learn the 5 key 2025 insurance changes now. - [Hired & Non-Owned Auto: The Hidden Gap When Employees Use Personal Cars](https://tomneedhaminsurance.com/hired-non-owned-auto-the-hidden-gap-when-employees-use-personal-cars/) - Searching business insurance Greensboro NC? Learn how HNOA protects when employees use personal or rented cars, what’s excluded, and practical controls. - [The Real Cost of Speeding Tickets and DUIs on Greensboro Auto Insurance Quotes](https://tomneedhaminsurance.com/the-real-cost-of-speeding-tickets-and-duis-on-greensboro-auto-insurance-quotes/) - See how speeding tickets and DUIs affect Greensboro auto insurance quotes under NC’s SDIP rules, 2025 updates, and ways to limit long-term surcharges. - [How Your Driving Violations Affect Car Insurance Rates in Greensboro](https://tomneedhaminsurance.com/how-your-driving-violations-affect-car-insurance-rates-in-greensboro/) - Learn how Greensboro drivers’ tickets and crashes affect car insurance rates under NC’s SDIP system, 2025 rule changes, and ways to limit surcharges. - [Fall Home Maintenance Tips to Prevent Insurance Claims (Greensboro & the Piedmont Triad, NC)](https://tomneedhaminsurance.com/fall-home-maintenance-tips-to-prevent-insurance-claims-greensboro/) - Protect your home this fall with smart maintenance tips to avoid costly insurance claims and keep your property safe all season long. - [Small Business Spotlight: What Commercial Coverage Do You Really Need? (Greensboro, NC)](https://tomneedhaminsurance.com/small-business-spotlight-what-commercial-coverage-do-you-really-need-greensboro-nc/) - Greensboro’s small businesses are the heartbeat of the Piedmont Triad—manufacturers and contractors, cafés and food trucks, boutiques and salons, tech startups, agencies, and professional firms. With growth comes risk, and a smart insurance company like Tom Needham Insurance keeps you open when the unexpected strikes. This guide breaks down the core coverages most Greensboro, NC - [Understanding the 80% Rule in Homeowners Insurance](https://tomneedhaminsurance.com/understanding-the-80-rule-in-homeowners-insurance/) - Learn about the importance of understanding your homeowners insurance and how to use the 80% rule to make sure you have adequate coverage. - [Wildfire & Hurricane Season: Is Your Home Insurance Ready?](https://tomneedhaminsurance.com/wildfire-hurricane-season-is-your-home-insurance-ready/) - Be prepared for wildfire and hurricane season. Learn how to make sure your home insurance is ready to protect what matters most. - [Back-to-School Insurance Checklist for College Students](https://tomneedhaminsurance.com/back-to-school-insurance-checklist-for-college-students/) - Prepare your college student with the right coverage. Use this back-to-school insurance checklist to stay protected and stress-free this semester. - [Insuring Your Electric Vehicle in North Carolina: 2025 Costs, Discounts & Telematics Hacks](https://tomneedhaminsurance.com/insuring-your-electric-vehicle-in-north-carolina-2025-costs-discounts-telematics-hacks/) - Get 2025 NC EV insurance rates, discounts & telematics tips for up to 40% off premiums. - [H0-3 vs HE-7: What's the Difference?](https://tomneedhaminsurance.com/h0-3-vs-he-7-whats-the-difference/) - Do you know the difference between an HO-3 vs an HE-7 Homeowners Insurance policy? - [Hands-Free NC Is (Almost) Here: How the 2025 Distracted-Driving Law Could Add Points—and Dollars—to Your Auto Insurance](https://tomneedhaminsurance.com/hands-free-nc-is-almost-here-how-the-2025-distracted-driving-law-could-add-points-and-dollars-to-your-auto-insurance/) - Hands-Free NC Act begins Dec 1, 2025: tickets carry SDIP points, boosting NC auto premiums by ~33%. Install hands-free gear and avoid costly hikes. - [Hurricane Season & Home Insurance: Are You Prepared for Storm Damage?](https://tomneedhaminsurance.com/hurricane-season-home-insurance-are-you-prepared-for-storm-damage/) - Be ready for storm season—learn how home insurance can protect you from hurricane damage. Discover coverage tips before the next big storm hits. - [Important Changes to North Carolina Auto Insurance – Effective July 1, 2025](https://tomneedhaminsurance.com/important-changes-to-north-carolina-auto-insurance-effective-july-1-2025/) - Starting July 1, 2025, significant updates to automobile insurance requirements from the North Carolina Rate Bureau will take effect in North Carolina: Revised Minimum Liability Coverage The state-mandated minimum liability limits for auto insurance will increase as follows: Bodily Injury Liability: From $30,000 per person / $60,000 per accident To $50,000 per person / $100,000 per accident - [Insurance for Boaters & Jet Ski Owners in North Carolina: What’s Required & Recommended](https://tomneedhaminsurance.com/insurance-for-boaters-jet-ski-owners-in-north-carolina-whats-required-recommended/) - Discover the required and recommended insurance for boat and jet ski owners in North Carolina to stay protected on the water. - [Pool Safety & Insurance: What Homeowners Need to Know](https://tomneedhaminsurance.com/pool-safety-insurance-what-homeowners-need-to-know/) - A backyard pool can be one of the most enjoyable features of a home, especially during hot summer months. It provides a place for relaxation, exercise, and fun for family and friends. However, along with the excitement of having a pool comes the responsibility to ensure safety and adequate insurance coverage. Accidents can happen, and - [Rental Cars & Spring Break: What Your Auto Insurance Covers (and What It Doesn’t)](https://tomneedhaminsurance.com/rental-cars-spring-break-auto-insurance/) - Find out what your auto insurance covers for rental cars this Spring Break. Avoid surprises and travel with confidence on your getaway! - [RV Road Trips & Insurance: What You Need to Know Before Hitting the Road](https://tomneedhaminsurance.com/rv-road-trips-insurance/) - Discover essential RV insurance tips and coverage options to ensure a safe and stress-free road trip. Know what to expect before you hit the road! - [How Changing Economic Conditions Affect Insurance Rates](https://tomneedhaminsurance.com/how-changing-economic-conditions-affect-insurance-rates/) - Discover how shifting economic conditions impact insurance rates, from inflation to market trends, and what it means for your coverage and premiums. - [Home Maintenance & Insurance: Spring Checklist to Prevent Costly Claims](https://tomneedhaminsurance.com/home-maintenance-insurance-spring-checklist-to-prevent-costly-claims/) - Spring home upkeep saves big! Avoid costly insurance claims with our essential checklist. Protect your investment now. - [Gift Protection: Is Your Jewelry or New Tech Covered by Insurance?](https://tomneedhaminsurance.com/gift-protection-is-your-jewelry-or-new-tech-covered-by-insurance/) - Ensure your jewelry and new tech are covered by insurance. Learn how to protect your valuable holiday gifts from loss, theft, or damage. - [The Importance of Umbrella Policies During the Holiday Season](https://tomneedhaminsurance.com/the-importance-of-umbrella-policies-during-the-holiday-season/) - Protect your home this holiday season with an umbrella policy. Learn how extra liability coverage keeps you safe from unexpected risks and lawsuits. - [Steps to Take if Your Car is Damaged in a Winter Storm](https://tomneedhaminsurance.com/steps-to-take-if-your-car-is-damaged-in-a-winter-storm/) - Winter storms can wreak havoc on roadways, making driving hazardous and sometimes leading to significant vehicle damage. Whether it’s from icy roads, falling branches, or a snowstorm that causes an accident, knowing how to respond when your car is damaged can help you navigate the insurance claims process smoothly. Here’s a step-by-step guide on what - [Winter Weather Preparedness: How to Protect Your Home and Car](https://tomneedhaminsurance.com/winter-weather-preparedness-how-to-protect-your-home-and-car/) - Winter brings beautiful snowfalls and festive cheer, but it also brings challenges like freezing temperatures, icy roads, and heavy snow. These conditions can cause significant damage to your home and car if you're not prepared. By taking proactive steps, you can protect your property, save money, and reduce the hassle of dealing with winter-related repairs - [Recapping the Biggest P&C Insurance Events of 2024](https://tomneedhaminsurance.com/recapping-the-biggest-pc-insurance-events-of-2024/) - As 2024 ends, the property and casualty (P&C) insurance industry reflects on a year marked by significant events and changes. From catastrophic natural disasters to impactful regulatory updates and emerging trends, these developments have reshaped the insurance landscape. Here’s a look back at some of the most notable moments in P&C insurance this year. 1. - [Do You Need Commercial Auto Insurance for Your Personal Vehicle?](https://tomneedhaminsurance.com/do-you-need-commercial-auto-insurance-for-your-personal-vehicle/) - For many business owners, especially small business owners and freelancers, using a personal vehicle for work is common. Whether you’re making deliveries, visiting clients, or placing a logo magnet on your car to advertise your business, you might wonder if you need commercial auto insurance. What happens if you get into an accident while using - [Home Safety and Liability Insurance for Holiday Gatherings: What Homeowners Need to Know](https://tomneedhaminsurance.com/home-safety-and-liability-insurance-for-holiday-gatherings/) - The holiday season is a time for gatherings, food, and celebrations, with Thanksgiving marking the start of a busy and festive time. Inviting friends and family into your home to celebrate is one of the highlights of the season. But along with the joy of hosting comes the responsibility of ensuring everyone’s safety. Accidents, injuries, - [Why Fall Is the Perfect Time to Replace Your Smoke and Carbon Monoxide Detector Batteries](https://tomneedhaminsurance.com/why-fall-is-the-perfect-time-to-replace-your-smoke-and-carbon-monoxide-detector-batteries/) - As the seasons change and we prepare for colder weather, fall is an ideal time to take care of important home safety tasks, like replacing the batteries in your smoke and carbon monoxide detectors. These devices play a critical role in keeping your home, family, and office safe by alerting you to fires or dangerous - [How Halloween Decorations Could Affect Your Home Insurance](https://tomneedhaminsurance.com/how-halloween-decorations-could-affect-your-home-insurance/) - Halloween is a fun time of year, full of spooky decorations and creative costumes. However, while decking out your house in cobwebs, jack-o’-lanterns, and eerie lights, it's important to remember that some decorations could potentially affect your home insurance. Not only do some decorations increase the risk of accidents, but they can also lead to - [How to Lower Your Insurance Premiums Before the Holidays](https://tomneedhaminsurance.com/how-to-lower-your-insurance-premiums-before-the-holidays/) - The holiday season is a time for joy, celebration, and spending time with loved ones. But for many families, it can also be a time of financial stress. As the holidays approach, you might be looking for ways to save money to cover gifts, travel, and other expenses. One way to free up some room - [Preparing for Fall Driving: Auto Insurance Considerations](https://tomneedhaminsurance.com/preparing-for-fall-driving-auto-insurance-considerations/) - As the days get shorter and the air gets cooler, the arrival of fall brings changes not just to the weather, but also to driving conditions. Wet leaves, early morning fog, and even the possibility of unexpected snow can make roads more dangerous. If you're not prepared, these challenges could lead to accidents. That's why - [Steps to Take After a Car Accident: A Guide to Handling Insurance Claims Efficiently](https://tomneedhaminsurance.com/steps-to-take-after-a-car-accident-a-guide-to-handling-insurance-claims-efficiently/) - Car accidents can be overwhelming and stressful. Whether it’s your fault or not, you may still need to get your car fixed and possibly even drive a rental car until yours is ready. Knowing what steps to take immediately after a crash can help ensure everyone’s safety and make the insurance claim process smoother. Here's - [Disaster Preparedness: The Importance of Insurance in a Natural Disaster Scenario](https://tomneedhaminsurance.com/disaster-preparedness-the-importance-of-insurance-in-a-natural-disaster-scenario/) - Natural disasters like hurricanes, earthquakes, and floods can strike without warning, leaving behind a trail of destruction. Being prepared for these events is crucial and one key aspect of preparedness is having the right insurance. Understanding the importance of insurance in natural disaster scenarios can help protect you and your family from financial ruin. Here's - [What Is a Credit-Based Insurance Score?](https://tomneedhaminsurance.com/what-is-a-credit-based-insurance-score/) - If you're applying for a vehicle, homeowner's or renter's insurance policy, you may be surprised to learn some of the many factors insurance company underwriters consider when rating you for a policy. For auto insurance, you probably already know that they're going to consider things like your age, gender, driving history, age and model of - [Should I Get Life Insurance for My Children?](https://tomneedhaminsurance.com/should-i-get-life-insurance-for-my-children/) - According to results of a survey undertaken by an insurance industry-funded non-profit called “Life Happens,” approximately one-quarter of the respondents said they recently bought life insurance because of the dangers represented by Covid-19. Fears of potential long-lasting negative effects of the virus convinced many that the guaranteed insurability provided by whole-life insurance was reason enough to make - [What Are Veterans Affairs Custodian Bonds?](https://tomneedhaminsurance.com/what-are-veterans-affairs-custodian-bonds/) - Veterans Affairs (VA) Custodian Bonds are specific types of custodial surety bonds that focus strictly on Veterans of the Armed Forces and their dependents. When a legal custodian is appointed by the court in order to safeguard the assets of a Veteran deemed unable to handle their own financial affairs, a surety bond may be - [Pros and Cons of Bundling Insurance](https://tomneedhaminsurance.com/pros-and-cons-of-bundling-insurance/) - Not sure if bundling insurance is the right choice for you? We've broken down all the pros and cons to help you make an informed decision. - [13 Ways to Prepare Your Home for Vacation](https://tomneedhaminsurance.com/13-ways-to-prepare-your-home-for-vacation/) - Before you go away from home for an extended period of time, it's important to know how to prepare your home for vacation. There are lots of things that can happen to your home while you're away, many of which can be avoided by being proactive in your vacation preparations. The chief reason to prepare your - [Does Homeowners Insurance Cover Improvements?](https://tomneedhaminsurance.com/does-homeowners-insurance-cover-improvements/) - When buying a Greensboro homeowners insurance policy, you'll no doubt have some questions about exactly what's covered and what's not. One question often asked is whether the policy covers home improvements. If the improvements are done to an area that's been damaged or destroyed by a covered loss, then your policy will likely pay for - [Will My Car Be Totaled?](https://tomneedhaminsurance.com/will-my-car-be-totaled/) - Wondering if your car will be totaled or not? Find out here and get answers to all of your insurance related questions. - [Who is a Surety?](https://tomneedhaminsurance.com/who-is-a-surety/) - Surety bonds are three-way contracts, or financial instruments, made up of the following: The principal – the person who purchases the bond to pg slot certain actions will be done by them in the future. This is usually a professional or a business owner. The obligee – the person or agency requiring the bond be - [Does Homeowners Insurance Cover Personal Possessions?](https://tomneedhaminsurance.com/does-homeowners-insurance-cover-personal-possessions/) - A Greensboro homeowners insurance policy typically provides you with four important types of financial protection against losses stemming from home-related damage or destruction, theft or accidents including: Coverage regarding the structure of your home Coverage for your personal possessions Liability coverage Coverage for additional living expenses Specifics of Protection for Personal Possessions Whether stolen, damaged - [Is Car Insurance Cheaper If You Bundle?](https://tomneedhaminsurance.com/is-car-insurance-cheaper-if-you-bundle/) - Get the inside scoop on bundling car insurance policies and if it's right for you. Find out what benefits it provides, including potential discounts and savings - [Is My Home-Based Business Underinsured?](https://tomneedhaminsurance.com/is-my-home-based-business-underinsured/) - A recent Harris Poll found that one in five homeowners had started a home-based business in the past six months. Home-based business startups are, indeed, gaining in popularity but many of these entrepreneurs may not be aware of the risks involved with a home-based business or the need for the right home-based business insurance. What is - [5 Benefits of Investing in Life Insurance](https://tomneedhaminsurance.com/5-benefits-of-investing-in-life-insurance/) - Life insurance is an essential policy that comes with a ton of benefits for your entire family. Here's what you need to know about life insurance. - [The Different Kinds of Auto Insurance Policies Explained](https://tomneedhaminsurance.com/the-different-kinds-of-auto-insurance-policies-explained/) - There are a few kinds of auto insurance policies that you can get for your car, motorcycle, and even your RV. Here's what you need to know. - [What Is Renters’ Insurance?](https://tomneedhaminsurance.com/what-is-renters-insurance/) - Renters' insurance can help protect your personal property when. you're in a rental property. Read on for more information. - [The Different Types of Auto Insurance and What They Offer](https://tomneedhaminsurance.com/the-different-types-of-auto-insurance-and-what-they-offer/) - Did you know that there are different kinds of auto insurance? Click here to see the main types and their differences now. - [How to Protect Yourself with a VA Fiduciary Surety Bond - A Guide for Professionals](https://tomneedhaminsurance.com/how-to-protect-yourself-with-a-va-fiduciary-surety-bond-a-guide-for-professionals/) - Learn what fiduciary surety bonds are, why they're important, and how you can protect yourself by getting one. - [How to Pick the Right Insurance Agency](https://tomneedhaminsurance.com/how-to-pick-the-right-insurance-agency/) - Picking the right insurance agency can be a challenge when you don't have all the right information - click here to learn what you should consider now. - [When to Make Changes to Your Home Insurance](https://tomneedhaminsurance.com/when-to-make-changes-to-your-home-insurance/) - Have any of these major events happened to you or your home this year? If they have, it may be time to make some changes to your home insurance! - [Understanding ATV Insurance: What You Need to Know Before You Ride](https://tomneedhaminsurance.com/understanding-atv-insurance-what-you-need-to-know-before-you-ride/) - Take the proper precautions next time you head out on an ATV adventure and make sure you know what's covered in your insurance policy. - [Common Mistakes to Avoid During Your Insurance Claim Process](https://tomneedhaminsurance.com/common-mistakes-to-avoid-during-your-insurance-claim-process/) - Making a mistake during your insurance claim process can invalidate your entire claim and force you into an appeal. Here are some common mistakes to avoid. - [What Is Renter’s Insurance, and Why Do You Need It?](https://tomneedhaminsurance.com/what-is-renters-insurance-and-why-do-you-need-it/) - Many things can go wrong while you're renting an apartment with your assets inside. We answer the important question, "What is renter's insurance?". - [Tips for Working with an Insurance Agency to File a Claim](https://tomneedhaminsurance.com/tips-for-working-with-an-insurance-agency-to-file-a-claim/) - Your insurance agency is full of people just like you and me, but knowing how to communicate with them is key to saving money. Learn how to file a claim here! - [What’s Included in Flood Insurance?](https://tomneedhaminsurance.com/whats-included-in-flood-insurance/) - Homeowners who live in areas that are prone to floods have access to flood insurance. Here is what's included in the policies. - [Why Should I Get General Liability Insurance: An Overview for Business Owners](https://tomneedhaminsurance.com/why-should-i-get-general-liability-insurance-an-overview-for-business-owners/) - Are you a business owner looking to protect yourself from potential lawsuits? Learn what general liability insurance is, why it's important, and how it can help safeguard your business. - [6 Essential Insurance Policies Everyone Should Have](https://tomneedhaminsurance.com/6-essential-insurance-policies-everyone-should-have/) - Do you have enough coverage to protect your assets and safeguard your future? Cover your assets and secure your future with these six essential insurance policies. - [Why Choosing the Right Insurance Agency Matters](https://tomneedhaminsurance.com/why-choosing-the-right-insurance-agency-matters/) - Protecting yourself, your family, and your property is crucial. Learn why choosing the right insurance agency matters and how Tom Needham Insurance can help. - [7 Common Insurance Mistakes and How to Avoid Them](https://tomneedhaminsurance.com/7-common-insurance-mistakes-and-how-to-avoid-them/) - Don't make these 7 common insurance mistakes that could cost you money and headaches. Read our blog post for tips and advice on how to avoid them. - [Why Home and Auto Insurance Rates are Continuing to Rise in 2023](https://tomneedhaminsurance.com/why-home-and-auto-insurance-rates-are-continuing-to-rise-in-2023/) - Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based on what an insurer thinks - [3 Tips for Choosing the Right Business Liability Insurance Policy](https://tomneedhaminsurance.com/3-tips-for-choosing-the-right-business-liability-insurance-policy/) - What do you know about selecting a business liability insurance policy? Learn about choosing the best option regarding cost and coverage. - [3 Different Types of Life Insurance and Why They're Important](https://tomneedhaminsurance.com/3-different-types-of-life-insurance-and-why-theyre-important/) - Are you familiar with the different types of life insurance for your family? Learn about them in this brief guide and see why they're essential for security. - [What Are the Main Types of Home Insurance?](https://tomneedhaminsurance.com/what-are-the-main-types-of-home-insurance/) - Are you familiar with the main types of home insurance? You can read about the top options that cover liability, personal property, and medical payments. - [How to Use Life Insurance to Buy a House: The Key Steps](https://tomneedhaminsurance.com/how-to-use-life-insurance-to-buy-a-house-the-key-steps/) - Purchasing a home can be stressful, but there are ways to make things easier. Check out this guide to learn how to use life insurance to buy a house. - [What Should You Do When You Can't Afford Car Insurance](https://tomneedhaminsurance.com/what-should-you-do-when-you-cant-afford-car-insurance/) - If you can't afford car insurance, we are here to guide you. These tips can help you find the right auto insurance policy for your budget. - [Does Home Insurance Cover Structural Problems](https://tomneedhaminsurance.com/does-home-insurance-cover-structural-problems/) - There are several types of insurance policies that you can choose from, but does home insurance cover structural problems? This is what you need to know. - [How Much Is Golf Cart Insurance in 2023](https://tomneedhaminsurance.com/how-much-is-golf-cart-insurance-in-2023/) - How much is golf cart insurance in 2023? Click here to find out how much you can expect to spend on golf cart insurance in 2023. - [Bid Bond vs Performance Bond: The Pros and Cons of Each](https://tomneedhaminsurance.com/bid-bond-vs-performance-bond-the-pros-and-cons-of-each/) - There are many types of bond options for your business. Check out the pros and cons of a bid bond vs performance bond to find out which is best for you. - [Fidelity Bond vs. Surety Bond: What's the Difference](https://tomneedhaminsurance.com/fidelity-bond-vs-surety-bond-whats-the-difference/) - Are you interested in finding out more about bonds? Read here to learn about the difference between a fidelity bond vs. surety bond. - [3 Reasons to Get Bass Boat Insurance Coverage](https://tomneedhaminsurance.com/3-reasons-to-get-bass-boat-insurance-coverage/) - If you have a bass boat, it is important to insure your investment. Learn three reasons to get bass boat insurance coverage here. - [When Does Workman's Comp Start Paying](https://tomneedhaminsurance.com/when-does-workmans-comp-start-paying/) - When does workman's comp start paying? This guide can tell you what your business needs to know. Click here to learn more. - [Personal Excess Liability Insurance vs Umbrella: What Are the Differences](https://tomneedhaminsurance.com/personal-excess-liability-insurance-vs-umbrella/) - If you are curious about the differences between personal excess liability insurance and umbrella insurance, click here to learn more. - [Reducing Stress During the Holidays](https://tomneedhaminsurance.com/reducing-stress-during-the-holidays/) - The holidays can be a stressful time for many people. 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Learn how you can safeguard yourself when travelling or shopping online. - [Making Sure Your New Christmas Jewelry is Properly Covered by Your Insurance](https://tomneedhaminsurance.com/making-sure-your-new-christmas-jewelry-is-properly-covered-by-your-insurance/) - When purchasing new jewelry, it is important to make sure it is properly covered by your insurance. Follow these tips to ensure that your precious belongings are protected. - [Is Damage from Snow Covered by Your Insurance in North Carolina?](https://tomneedhaminsurance.com/is-damage-from-snow-covered-by-your-insurance-in-north-carolina/) - Find out if damage caused by snow is covered by your insurance policy in North Carolina. Learn what steps to take and how to make a claim. - [Protect Your Home with Comprehensive Homeowners Insurance](https://tomneedhaminsurance.com/protect-your-home-with-comprehensive-homeowners-insurance/) - Safeguard your biggest investment with reliable homeowners’ insurance coverage. 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Dive in now! - [Spring Cleaning for Your Insurance Policies: Tips for Reviewing and Updating Coverage](https://tomneedhaminsurance.com/spring-cleaning-for-your-insurance-policies-tips-for-reviewing-and-updating-coverage/) - Spring cleaning isn't just for your home. Discover expert tips to review, update, and optimize your insurance coverage for peace of mind. - [Home Sweet Home: Spring Home Maintenance Tips to Prevent Insurance Claims](https://tomneedhaminsurance.com/spring-home-maintenance-tips-to-prevent-insurance-claims/) - Stay ahead of insurance claims with our spring home maintenance guide. Discover proactive tips to safeguard your home and avoid costly repairs. - [Understanding Umbrella Insurance: A Comprehensive Guide](https://tomneedhaminsurance.com/understanding-umbrella-insurance-a-comprehensive-guide/) - Discover the importance and benefits of umbrella insurance. Learn how it can protect your assets and provide extra coverage for unforeseen circumstances. - [Insurance Trends to Watch in 2024: Emerging Trends and Changes in the Industry](https://tomneedhaminsurance.com/insurance-trends-to-watch-in-2024/) - Discover the key insurance trends for 2024, from Insurtech, cyber insurance to personalized and on-demand insurance. Stay ahead in the industry! - [Insurance Tips for Your Home: Protecting Your Assets During the Summer Months and While Traveling](https://tomneedhaminsurance.com/insurance-tips-for-your-home-protecting-your-assets-during-the-summer-months-and-while-traveling/) - Protect your home and assets during the summer months. Check out our insurance tips during the summer travel season. - [Back to School: Insurance Considerations for College Students](https://tomneedhaminsurance.com/insurance-considerations-for-college-students/) - Explore essential insurance tips for college students, from health and renters insurance to auto and liability coverage. Stay protected and informed on campus! - [The Importance of General Liability Insurance for Small Businesses](https://tomneedhaminsurance.com/the-importance-of-general-liability-insurance-for-small-businesses/) - Discover why General Liability Insurance is crucial for safeguarding your small business. Learn about its significance, coverage, and protection. - [April is Distracted Driving Awareness Month: The Role of Auto Insurance in Promoting Safe Driving](https://tomneedhaminsurance.com/the-role-of-auto-insurance-in-promoting-safe-driving/) - Distracted driving can have devastating results. 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We break down line by line the coverages and limits you could see on it. - [Auto Insurance: What is Pleasure Use?](https://tomneedhaminsurance.com/auto-insurance-what-is-pleasure-use/) - Learn all about pleasure use insurance and why it's important for those who only drive their vehicle occasionally or for recreation. - [Does Homeowners Insurance Cover Dead Trees on My Property?](https://tomneedhaminsurance.com/does-homeowners-insurance-cover-dead-trees-on-my-property/) - Worried about dead trees in your yard that you can't afford to remove? Find out if homeowners insurance covers dead tree removal and what other options you have - [What's a Third Party Life Insurance Policy?](https://tomneedhaminsurance.com/whats-a-third-party-life-insurance-policy/) - Understand the basics of third-party life insurance policies, who they benefit, and how they work with traditional life insurance coverage. - [What is Extended Dwelling Coverage?](https://tomneedhaminsurance.com/what-is-extended-dwelling-coverage/) - Get a better understanding of what extended dwelling coverage is and how it can help protect your home with this comprehensive overview of homeowners insurance. - [RV Insurance: Part-Time Versus Full-Time Use](https://tomneedhaminsurance.com/rv-insurance-part-time-versus-full-time-use/) - Confused about full-time vs part-time RV insurance? We break down the differences and help you decide which coverage is right for your needs. - [Is Boat Insurance Required?](https://tomneedhaminsurance.com/is-boat-insurance-required/) - Unclear about boat insurance laws and regulations? Learn which states require it and the types of coverage you can get to protect your watercraft. - [Homeowners Insurance: What Is the 80-Percent Rule?](https://tomneedhaminsurance.com/homeowners-insurance-what-is-the-80-percent-rule/) - Need more homeowners insurance coverage? Learn the 80-percent rule and how it relates to replacement costs, so you can make sure your home is properly insured. - [HO-3 vs HE-7/21 Homeowner's Insurance Comparison](https://tomneedhaminsurance.com/ho-3-vs-he-721-homeowners-insurance-comparison/) - Not sure which type of homeowner's insurance is right for you? Learn the difference between HO-3 and HE-7/21 policies and get advice on making the best choice. - [Greensboro Car Insurance: What is the 30/60/25 Rule?](https://tomneedhaminsurance.com/greensboro-car-insurance-what-is-the-30-60-25-rule/) - Confused by the 30/60/25 rule as it relates to car insurance in Greensboro? Discover what this means, its purpose, and how you can use it to your advantage. - [Does Car Insurance Cover My Golf Cart?](https://tomneedhaminsurance.com/does-car-insurance-cover-my-golf-cart/) - Did you know that car insurance can cover your golf cart as well? Explore the ins and outs of this coverage to find out if it's right for you. - [7 Photography Tips for Insurance Claims](https://tomneedhaminsurance.com/7-photography-tips-for-insurance-claims/) - Discover how to take photos used as evidence for insurance claims. Learn the best practices for taking pictures and making sure your claim is approved quickly. - [Adding Your Teen to Your Car Insurance: 6 Things to Know](https://tomneedhaminsurance.com/adding-your-teen-to-your-car-insurance-6-things-to-know/) - It's a fact of life that the highest car insurance rates in the U.S. are charged to drivers over the age of 65 and those under the age of 20. The reason for this is simply because drivers in these two age groups are involved in more accidents and file more car insurance claims than - [Flood Insurance: Why You Should Buy It (Even If You aren’t in a Flood Zone)](https://tomneedhaminsurance.com/flood-insurance-why-you-should-buy-it-even-if-you-arent-in-a-flood-zone/) - Don't let a flood ruin your finances. Learn why you should buy flood insurance and what the key benefits are so that you can make an informed decision. - [Life Insurance: Guaranteed Cash Value and Net Cash Value Explained](https://tomneedhaminsurance.com/life-insurance-guaranteed-cash-value-and-net-cash-value-explained/) - Do you have a life insurance policy and do you understand the difference between guaranteed cash value and net cash value? To find out more, read here. - [Do I Really Need a Commercial Auto Policy?](https://tomneedhaminsurance.com/do-i-really-need-a-commercial-auto-policy/) - When it comes to auto insurance, the type of policy you need is usually pretty clear. The average consumer needs a personal auto policy to drive back and forth to work and to the store. A truck driver needs a commercial auto policy to cover his liabilities and whatever product he is hauling. But what - [How to Choose the Right RV Campground](https://tomneedhaminsurance.com/how-to-choose-the-right-rv-campground/) - Looking for a memorable camping experience in an RV? Learn how to choose the right campground and find amenities that can make your trip even better. - [7 Homeowner's Insurance Mistakes to Avoid](https://tomneedhaminsurance.com/7-homeowners-insurance-mistakes-to-avoid/) - Home insurance is something that more than 90% of homeowners in the United States carry. It's typically required by mortgage companies of their loan clients and, even for individuals who own their homes free and clear, insurance is an obvious answer to protecting themselves from massive financial losses regarding damage or destruction of their residences. - [What Insurance Do I Need for a Second Home?](https://tomneedhaminsurance.com/what-insurance-do-i-need-for-a-second-home/) - If you either own or are considering the purchase of a second home, you may have questions about what insurance you'll need for that second home. If you're like 90+ percent of U.S. homeowners, you already have homeowner's insurance for your primary residence. Getting insurance for your second home will be similar as it was for the first, - [What Type of RV Insurance Should I Get?](https://tomneedhaminsurance.com/what-type-of-rv-insurance-should-i-get/) - Recreational vehicles, or RVs, have become increasingly popular and they can be seen on the roads all over North Carolina. The generic term “recreational vehicle” can be applied to numerous types of conveyance, including: Motor homes (Class A, B or C) or coaches Camper vans Caravans Popup campers Truck campers Trailers Fifth-wheel trailers You can also - [What is Insurance Bundling?](https://tomneedhaminsurance.com/what-is-insurance-bundling/) - Insurance bundling is when you have two or more insurance products written by the same insurance provider. The most popular bundle is auto insurance coupled with homeowners insurance. Most insurance companies sell more than one kind of coverage and are happy to provide you with multiple policies. This is good for them and good for you - [Will My Car Insurance Go Up After a Car Accident?](https://tomneedhaminsurance.com/will-my-car-insurance-go-up-after-a-car-accident/) - Car insurance is kind of a funny thing. The protection it provides isn't something you want to be without and yet it's not something you want to have to use. And if you are unfortunate enough to suffer a loss requiring you to make a car insurance claim, you may be worried that your - [Is Employer-Sponsored Life Insurance Good Enough?](https://tomneedhaminsurance.com/is-employer-sponsored-life-insurance-good-enough/) - Life insurance is something important to have, especially if you have a family that depends on your income for their daily living expenses. How much life insurance you should carry depends on your income level, your standard of living, your total debts, the number of children you have that you plan to have enrolled in higher education - [Car Insurance: Does It Follow the Car or the Driver?](https://tomneedhaminsurance.com/car-insurance-does-it-follow-the-car-or-the-driver/) - A question frequently asked about car insurance is whether the policy protections follow the car or the driver. As with many insurance questions, there is no black/white answer, but in most cases the answer is that the car insurance follows the car, with a few specific exceptions that will be covered here. What if You - [What is Hazard Insurance?](https://tomneedhaminsurance.com/what-is-hazard-insurance/) - You may have heard the term, “hazard insurance,” and wondered exactly what that is. In fact, hazard insurance is part of your homeowners insurance policy rather than a type of insurance by itself. Standard Greensboro Homeowners Insurance Your standard Greensboro homeowners insurance policy provides protection against financial losses having to do with your home. Basic - [What Does Full Coverage Really Mean?](https://tomneedhaminsurance.com/what-does-full-coverage-really-mean/) - Vehicle insurance is meant to protect you financially from potential losses involving your vehicle. A vehicle insurance policy can include many different types of coverage, some of which you're required to have here in North Carolina, others that are optional. Full coverage protection contains several of these coverages, which will be explained below. State law here - [When Should I File an Auto Insurance Claim?](https://tomneedhaminsurance.com/when-should-i-file-an-auto-insurance-claim/) - Auto insurance is one of the few things you buy but never want to use. When you do need to use it, however, having the proper insurance coverage can save you thousands of dollars. Having the proper type and amount of vehicle insurance is important to every driver and should be seriously considered before - [Homeowners Insurance: Does It Cover Pet Damage?](https://tomneedhaminsurance.com/homeowners-insurance-does-it-cover-pet-damage/) - When looking at your Greensboro homeowners insurance policy, you'll notice three major types of protection. First is your dwelling coverage, second is your personal property coverage and third is your personal liability coverage. It's the personal liability coverage that protects you in the event that your pet bites someone or damages their property. It - [What Does It Mean When A Car Is Totaled?](https://tomneedhaminsurance.com/what-does-it-mean-when-a-car-is-totaled/) - In the car insurance industry, a totaled car is one that's been damaged to the point that it either isn't repairable or needed repairs would cost more than the car would be worth once fixed. “Totaled,” to an insurer, means “total loss.” It makes more sense for them to write you a check for the - [What is Watercraft Insurance?](https://tomneedhaminsurance.com/what-is-watercraft-insurance/) - Watercraft insurance is something that just about every boat owner should consider carrying to protect themselves from financial loss relating to their watercraft. While it may not be required by state law, quality watercraft insurance can save you from suffering huge financial losses both on and off the water should you run into problems with - [How Much Homeowners Insurance Should I Buy?](https://tomneedhaminsurance.com/how-much-homeowners-insurance-should-i-buy/) - Since standard homeowners insurance is designed to cover a wide range of perils (or threats), determining how much home insurance you need to buy depends on a number of factors. A typical home insurance policy covers: Damage to or destruction of the structure of your home Damage to or destruction of your personal belongings. Also - [Choosing Insurance for a Retail Business](https://tomneedhaminsurance.com/choosing-insurance-for-a-retail-business/) - Retail business insurance is something nearly all retail businesses should have for protection against losses resulting from common perils they typically face. While there are a number of different business insurance policies available to you as a retail business owner, there are two that are most important for you to have: General Liability Insurance Commercial - [6 Tips for Buying Your First Car](https://tomneedhaminsurance.com/6-tips-for-buying-your-first-car/) - Buying your first car can be an exciting event and should be approached with a certain amount of preplanning to ensure that you get the vehicle that's best at meeting your specific needs. If you're in the Greensboro, NC or Triad region, you have lots of choices for buying your first car, whether new and - [7 Facts About Business Interruption Insurance](https://tomneedhaminsurance.com/7-facts-about-business-interruption-insurance/) - A Greensboro business insurance policy may be made up of a variety of separate coverages assembled for your particular business. While every business faces its own set of risks, business insurance is designed to protect your business from specific risks that most businesses face, such as property damage, theft and liability lawsuits. A special business policy, - [5 Tips for Financing Your First Car](https://tomneedhaminsurance.com/5-tips-for-financing-your-first-car/) - If you're looking into financing your first car, keep in mind that the process involves a lot to manage properly, but that some step-by-step tips can help ensure finding just the right car for you. Preplanning is key and doing your research about your choices is important. The Internet is great for this. Here are - [How Are Homeowners Insurance Premiums Calculated?](https://tomneedhaminsurance.com/how-are-homeowners-insurance-premiums-calculated/) - Of all the different types of insurance available to you today, homeowners insurance protects against the widest range and variety of perils of them all. If you take a good look at your Greensboro homeowners insurance policy, you'll find coverage that protects your home against financial loss from a long list of perils as well - [Are Car Insurance Trackers Worth It?](https://tomneedhaminsurance.com/are-car-insurance-trackers-worth-it/) - Car insurance trackers are great technological devices that provide a boatload of benefits to vehicle owners and insurance companies alike. Since these devices utilize GPS tracking, if your car is ever stolen, the tracker will make it much easier for the authorities to locate it. This is good for you and for your insurer, and - [When Does Homeowners Insurance Cover Roof Leaks?](https://tomneedhaminsurance.com/when-does-homeowners-insurance-cover-roof-leaks/) - Telltale signs of water on the ceiling or walls of your Greensboro area home may be an indication of a leaky roof, which you'll want to look into ASAP. Fixing a roof leak may not be an inexpensive proposition but, in many cases, much of the cost may be covered by your homeowners insurance coverage. - [How Does Credit Score Impact Car Insurance Rates?](https://tomneedhaminsurance.com/how-does-credit-score-impact-car-insurance-rates/) - Car insurance rates are dependent upon a long list of factors. One of the most important factors to most insurers is the applicant's credit score. While there are a few states where using your credit score to help determine auto insurance rates is not allowed, in most states, including North Carolina, it's perfectly acceptable. Here - [Are Homeowners Insurance Rates Going Up?](https://tomneedhaminsurance.com/are-homeowners-insurance-rates-going-up/) - It's no surprise that the damage recently done in the U.S. by wildfires, floods and hurricanes has caused homeowners' insurance rates to increase. And this is nothing new. It's estimated that home insurance rates have risen by about 4% during 2021. A January 2021 National Association of Insurance Commissioners study showed a 3.1% increase in insurance premium costs - [Does My LLC Need Business Insurance?](https://tomneedhaminsurance.com/does-my-llc-need-business-insurance/) - If you're the owner of a limited liability company (LLC), chances are good that you chose that form of business registration instead of a sole proprietorship in order to shield your personal assets. Doing business as an LLC allows your business assets to be separated from your personal belongings. It doesn't, however, protect your business from - [How Can I Find Affordable Insurance Near Me?](https://tomneedhaminsurance.com/how-can-i-find-affordable-insurance-near-me/) - Not too many years ago, in the pre-Internet era, shopping for insurance meant going through the phone book or responding to various forms of advertising such as billboards, radio or television commercials. You might consult a friend or family member asking, “Where can I find affordable insurance near me?” Another option was to drive through - [Should I Pay for Rental Car Insurance?](https://tomneedhaminsurance.com/should-i-pay-for-rental-car-insurance/) - If you have ever rented a car, you've no doubt been advised by the salesperson to sign up for the rental car insurance coverage offered to protect yourself. A good rental car agent will have plenty of points to make about the value of adding collision, comprehensive and liability protection to your rental contract, but what - [Do I Need Business Insurance as a Sole Proprietor?](https://tomneedhaminsurance.com/do-i-need-business-insurance-as-a-sole-proprietor/) - Nowhere is business insurance more critical than for a sole proprietorship, which is a business owned by one person. Unlike with LLCs and corporations, sole proprietors aren't shielded from their firm's legal liabilities, including such things as taxes and debts. A sole proprietorship is also the least expensive and quickest type of business to establish - [5+ Tips for Preparing for a Road Trip](https://tomneedhaminsurance.com/5-tips-for-preparing-for-a-road-trip/) - There are countless reasons for taking a road trip. It's been estimated that approximately 85% of the vacations Americans take are domestic, occurring within our country's borders, and many of these vacations are road trips. It can be a great way to relieve the stress you may have built up during your regular day-to-day life, - [Should I Splurge on More Coverage?](https://tomneedhaminsurance.com/should-i-splurge-on-more-coverage/) - When you purchase automobile insurance, you have a choice that includes a whole variety of different coverages. In North Carolina, the minimum amount of insurance coverage needed to legally operate a private motor vehicle on public roads consists of basic liability insurance. The basic minimum coverage amounts are: Bodily injury liability - $30K per person - [Does Home Insurance Cover Burst Pipes?](https://tomneedhaminsurance.com/does-home-insurance-cover-burst-pipes/) - If you're wondering if your Greensboro home insurance policy covers your home for burst pipes, the good news is that in most cases it does. The few instances where your coverage may not apply is in cases of negligence, such as leaving your home unoccupied during the winter with the heat turned off, allowing the - [Photographing Your Belongings for Insurance Claims](https://tomneedhaminsurance.com/photographing-your-belongings-for-insurance-claims/) - When you purchase home insurance, you're buying protection not only for your residence but for all the property and personal possessions found within your home. This even extends to possessions kept elsewhere, such as in a storage facility, or in someone else’s home. Your things are even covered while you're traveling. If your camera is - [Does Homeowners Insurance Cover the College Dorm?](https://tomneedhaminsurance.com/does-homeowners-insurance-cover-the-college-dorm/) - Your Greensboro homeowners insurance policy covers a lot of things, including things of which you may not be aware. One of these is coverage for items kept in your college student's dorm room. The fact is, under certain circumstances your student's belongings may be covered for losses from perils such as theft, fire and more. - [When to Call Your Insurance Agent](https://tomneedhaminsurance.com/when-to-call-your-insurance-agent/) - Your insurance can be affected by lots of things that happen in life, both major occurrences and seemingly minor ones, and these are often reasons to contact your insurance agent. You may need to revisit your life insurance, auto insurance or homeowner's insurance for any of numerous reasons and sometimes calling your agent should be - [8 Boat Safety Tips](https://tomneedhaminsurance.com/8-boat-safety-tips/) - If you're part of the vast recreational boating movement here in North Carolina, it's important that you're intimately familiar with boating safety and have learned the most critical safe boating tips. Hopefully this short article will provide you with some of the important information you can use to stay safe on the water. With about - [What Is Rideshare Insurance?](https://tomneedhaminsurance.com/what-is-rideshare-insurance/) - On-demand rideshare companies like Uber and Lyft are becoming more and more popular these days, changing the way many of us travel around town. They're also changing the way many are making a living, using their own vehicles as a means for generating extra income by sharing rides with customers utilizing the services of one - [Do I Need Off-Road Insurance Coverage?](https://tomneedhaminsurance.com/do-i-need-off-road-insurance-coverage/) - Off-road vehicles are used for numerous popular activities here in North Carolina and can include any of the following: Dirt bikes Motocross bikes 4X4 pickup trucks ATVs (all terrain vehicles) SUVs (sport utility vehicles) UTVs (utility task (or terrain) vehicles) Dune buggies and sand rails Agricultural machinery Rock crawlers Monster trucks Snowmobiles Golf carts and - [Public Versus Private Campgrounds: How to Choose](https://tomneedhaminsurance.com/public-versus-private-campgrounds-how-to-choose/) - RV camping has become tremendously popular in the U.S., as is evidenced by the vast number of RV campgrounds now available throughout the country. It's recommended that, before your RV trip, you make reservations at the campground(s) where you want to stay. This is especially important during the busy times of year. You may be - [How Much Motorcycle Insurance Do I Need?](https://tomneedhaminsurance.com/how-much-motorcycle-insurance-do-i-need/) - Determining just how much motorcycle insurance you need requires consideration of numerous factors, all of which are geared to protecting your motorcycle, your health and your financial well-being. Living and riding in North Carolina, you're required, as in most states, to maintain at least a minimum amount of motorcycle liability insurance. This is the coverage - [What IS Boat Liability Insurance Coverage?](https://tomneedhaminsurance.com/what-is-boat-liability-insurance-coverage/) - With boating season upon us, it's time to start thinking about preparations needed for your upcoming boating ventures. Whether you'll be using your boat primarily for recreation, water transportation, fishing or water skiing and wake boarding, you'll want to make sure you have everything needed to ensure the safety of your boat and its occupants. - [Protecting Your Belongings While Camping](https://tomneedhaminsurance.com/protecting-your-belongings-while-camping/) - Summer's on its way and, for many, this means gearing up for the upcoming camping season. This might involve getting out your tent and sleeping bags and making sure they're well aired out and in good repair. Or, if you have a travel trailer or motorhome, it's time to start thinking about getting your RV - [Spring Storms and Fallen Trees: Am I Covered by Insurance?](https://tomneedhaminsurance.com/spring-storms-and-fallen-trees-am-i-covered-by-insurance/) - Trees are beautiful and provide welcome shade to your yard but trees also typically require maintenance and fallen trees can pose a danger to your and your home's safety. Whether it's a spring storm or late year hurricane, strong winds can bring down trees and cause a great deal of damage. While poorly maintained trees are especially susceptible, - [What does Motorcycle Insurance Cover?](https://tomneedhaminsurance.com/what-does-motorcycle-insurance-cover/) - Motor vehicle laws in the State of North Carolina require all motorcycles and motor scooters driven on public roads be covered by at least a minimum amount of motorcycle liability insurance. Motorcycle operators are also required to have and to carry an operator's license with a motorcycle endorsement. Minimum amounts of liability insurance required are the - [RV Personal Attachments Insurance](https://tomneedhaminsurance.com/rv-personal-attachments-insurance/) - RV insurance coverage is an interesting hybrid, featuring elements of both auto insurance and homeowner's insurance. Whether you use your RV for short weekend camping trips, longer vacations or as a permanent residence, you need RV insurance coverage. The type of coverage you should get will depend on how you typically use your RV. Whatever - [6 Things to Know About Commercial Auto Insurance](https://tomneedhaminsurance.com/6-things-to-know-about-commercial-auto-insurance/) - If you have a business that utilizes company vehicles, whether it's one single truck or a fleet of twenty company cars, you need commercial auto insurance. Commercial auto insurance, like personal auto insurance, is designed to protect the vehicle owner as well as the driver, if they're different. It also protects others on the road - [How Much RV Insurance Do I Need?](https://tomneedhaminsurance.com/how-much-rv-insurance-do-i-need/) - Just as with automobiles, every state in the U.S. requires a minimum amount of RV insurance for any recreational vehicle driven on public roads. In North Carolina, the minimum amount of liability protection for RVs is the same as for cars: $30K per person per accident for bodily injury $60K for all persons per accident for bodily injury - [When a Basic Homeowners Policy Isn't Enough](https://tomneedhaminsurance.com/when-a-basic-homeowners-policy-isnt-enough/) - Your standard Greensboro homeowners insurance policy provides you with a wide range of protection against financial losses resulting from a long list of potential risks (known as perils). A standard home policy has six sections, covering: Section A – physical damage to your residence Section B – physical damage to other structures on your property - [Choosing a Life Insurance Beneficiary: 4 Tips](https://tomneedhaminsurance.com/choosing-a-life-insurance-beneficiary-4-tips/) - People buy life insurance for a variety of reasons but, by far, the number one reason is to provide financial care for your loved ones in the event of your untimely death. Anyone currently depending on your income who would be negatively impacted should that income be cut off deserves to be protected by your - [Car Totaled? What's Next?](https://tomneedhaminsurance.com/car-totaled-whats-next/) - One of a driver's worst nightmares has to be when they're involved in a collision and their vehicle is deemed a total loss, or what's known as “totaled.” If you've ever had a serious accident – serious enough to leave your car totally wrecked – thank your lucky stars if you escaped without serious injury. - [10 Holiday Home Safety Tips](https://tomneedhaminsurance.com/10-holiday-home-safety-tips/) - Each year around this time we like to share a list of holiday home safety tips with our growing circle of friends. This year, personal safety is especially important in view of the ongoing Covid-19 pandemic occurring around the world. At the top of the list of holiday home safety tips this year are things - [Are Holiday Gifts Covered by Insurance?](https://tomneedhaminsurance.com/are-holiday-gifts-covered-by-insurance/) - Holiday season is upon us and, for many, the holidays mean gift-giving time. It's also a good time to talk about your insurance coverage, since the valuables you may be giving or receiving may be treated by your homeowners insurance in different ways. You may want to take the time to review your homeowners insurance policy with - [6 Must-Have RV Winterization tips](https://tomneedhaminsurance.com/6-must-have-rv-winterization-tips/) - You may choose to continue using your RV during the cold weather or set it aside during winter. Either way, your rig will require a certain amount of winterizing. - [Can You Save on Homeowners Insurance?](https://tomneedhaminsurance.com/can-you-save-on-homeowners-insurance/) - Even for homeowners insurance that seems like a great value, everyone likes the idea of saving money where possible and there are many ways to save. Let's look at some. - [Does Home Insurance Cover Fallen Trees?](https://tomneedhaminsurance.com/does-home-insurance-cover-fallen-trees/) - The answer is, “It depends.” The reason the answer isn't cut and dried is because coverage depends on the situation that has caused the tree to fall. Read on: - [Does Renter's Insurance Cover My Storage Unit?](https://tomneedhaminsurance.com/does-renters-insurance-cover-my-storage-unit/) - While a renter's insurance policy has no coverage pertaining to the physical structure you're renting, it's similar to a homeowner's policy in most other aspects. Here's how. - [Obtaining Business Insurance for an LLC](https://tomneedhaminsurance.com/obtaining-business-insurance-for-an-llc/) - According to a five-year study involving small business insurance claims from more than a million policyholders, it was found that four out of ten small business owners will likely experience either a general liability or property liability claim within the next 10 years. - [5 Homeowner's Insurance Mistakes to Avoid](https://tomneedhaminsurance.com/5-homeowners-insurance-mistakes-to-avoid/) - When buying your homeowner's insurance, there are numerous mistakes that many make that you definitely want to avoid. Study these tips, learn to get better insurance coverage and even save money while doing so. - [Auto Insurance: Considering Deductibles](https://tomneedhaminsurance.com/auto-insurance-considering-deductibles/) - Of all the premium-saving methods, raising your deductibles is one of the quickest and easiest steps to take. But can you afford the risk? Learn more here. - [Will Homeowner's Insurance Cover My Cottage Industry Business?](https://tomneedhaminsurance.com/will-homeowners-insurance-cover-my-cottage-industry-business/) - Today, millions of people have figured out how to make a living working out of their own homes, but many haven't thought their insurance needs. Learn more. - [Auto Insurance: Hit and Runs](https://tomneedhaminsurance.com/auto-insurance-hit-and-runs/) - Recent statistical reports from the Automobile Association of America (AAA) show that there's an average of one hit-and-run crash in the U.S. every minute of every day. Are you covered if this happens to you? - [Does Home Insurance Cover Swimming Pool Accidents?](https://tomneedhaminsurance.com/does-home-insurance-cover-swimming-pool-accidents/) - Coverage for your swimming pool will most likely depend on what type of pool you own. Read on the better understand the differences. - [Should I Change My Car Insurance Due to COVID-19?](https://tomneedhaminsurance.com/should-i-change-my-car-insurance-due-to-covid-19/) - If, like many others, you've been avoiding traveling in your car, you may be wondering if it would be advantageous to make changes to your Greensboro car insurance coverage. Read on... - [Yes, Tom Needham Insurance Is Open for Business!](https://tomneedhaminsurance.com/yes-tom-needham-insurance-is-open-for-business/) - With so many people homebound due to the Coronavirus pandemic, we've found this is the perfect time for our clients to revisit their existing coverage to do some comparison shopping. Let us help! - [Are You Getting Max Value for Your Insurance Dollar?](https://tomneedhaminsurance.com/are-you-getting-max-value-for-your-insurance-dollar/) - When dealing with an independent insurance broker such as Tom Needham Insurance Agency, you have access to some of the finest insurers in the country and you also have a partner willing to do the work necessary to find you the best coverage at the best price. - [Tips to Avoid Choosing the Wrong Insurance Policy](https://tomneedhaminsurance.com/tips-to-avoid-choosing-the-wrong-insurance-policy/) - You should shop around and get at least three quotes for your insurance policies and consider switching policies every year or two. An independent broker can help with this. - [Get the Best Bang for Your Insurance Buck During COVID-19](https://tomneedhaminsurance.com/get-the-best-bang-for-your-insurance-buck-during-covid-19/) - Some of you may be considering canceling your auto insurance coverage as a way of saving some money during these tight financial times. Don't do it! Talk to us first! - [Why You Need an Independent Insurance Agent Right Now](https://tomneedhaminsurance.com/why-you-need-an-independent-insurance-agent-right-now/) - What insurance carriers don't tell you when buying is that they don't really work for you – they work for their respective companies. An independent agent works for you! - [Use Your Time at Home to Get the Best Insurance Deal](https://tomneedhaminsurance.com/use-your-time-at-home-to-get-the-best-insurance-deal/) - Once you've spent some hours manicuring the yard and organizing the closets during COVID-19, consider spending some time going over and comparing your current insurance policies. - [Business Insurance: Can You Combine Types?](https://tomneedhaminsurance.com/business-insurance-can-you-combine-types/) - While two main types of insurance are important for any business owner to consider as part of their protection, there are several other types of business coverage that can be added to provide more complete, well-rounded protection. Learn more here: - [RV Insurance: 3 Tips for Lowering Costs](https://tomneedhaminsurance.com/rv-insurance-3-tips-for-lowering-costs/) - Are you looking for ways to decrease the cost of your RV Insurance? Here are 3 tips! - [Which Threats Does Homeowners Insurance Cover?](https://tomneedhaminsurance.com/which-threats-does-homeowners-insurance-cover/) - Buying Greensboro homeowners insurance can be a somewhat confusing proposition. Which threats are covered and which do you want to cover? Read more here. - [Which Items Are Protected by Homeowners Insurance?](https://tomneedhaminsurance.com/which-items-are-protected-by-homeowners-insurance/) - These three portions of your homeowners policy protect items whose damage or destruction will cause you financial loss. Read more to find out which ones! - [3 Tips for Rewriting Your Car Insurance Policy](https://tomneedhaminsurance.com/3-tips-for-rewriting-your-car-insurance-policy/) - In North Carolina, minimums required of drivers for liability protection are 30/60/25. But how much is enough? Learn more here. - [Ice Dams and Your Homeowners Insurance](https://tomneedhaminsurance.com/ice-dams-and-your-homeowners-insurance/) - If you look up and see icicles forming from your gutters or roof eaves, that's a sign of potential ice dams also forming. Will your homeowners cover you for damage? - [3 New Year's Resolutions for Insurance Customers](https://tomneedhaminsurance.com/3-new-years-resolutions-for-insurance-customers/) - Although it seems that most New Year's resolutions may be centered around health, diet and exercise, we would like to offer some specific ones pertaining to your insurance. - [Car Insurance: What to Do If My Car Is Totaled](https://tomneedhaminsurance.com/car-insurance-what-to-do-if-my-car-is-totaled/) - What to do about my totaled car and my car insurance.. - [Homeowner's Insurance: What Is Loss of Use?](https://tomneedhaminsurance.com/homeowners-insurance-what-is-loss-of-use/) - Do you know what is meant by Loss of Use in your Homeowner's Insurance policy? Learn here: - [What Are the Auto Insurance Requirements in North Carolina?](https://tomneedhaminsurance.com/what-are-the-auto-insurance-requirements-in-north-carolina/) - Like most states in the U.S., auto insurance requirements in North Carolina exist for vehicle drivers using public roads. Each state's Department of Insurance sets specific state requirements, including what type of auto insurance is required and what minimum coverage limits must be met, under penalty of law. North Carolina Auto Insurance North Carolina auto insurance consists of four - [Homeowners Insurance: Who Decides How Much My Property is Worth?](https://tomneedhaminsurance.com/homeowners-insurance-who-decides-how-much-my-property-is-worth/) - With property values in a continual state of flux, it's important to understand that homeowners insurance isn't based on the current market value of your home, but on the cost of rebuilding it in the event that it's totally destroyed by a covered peril. If you bought your home with the assistance of a mortgage lender, they no doubt - [5 Ways to Lower Your Homeowners Insurance Premiums](https://tomneedhaminsurance.com/5-ways-to-lower-your-homeowners-insurance-premiums/) - We've listed ways to save money by giving you 5 tips on ways to lower your homeowners insurance premiums. Read on to find out more! - [To Make a Claim or Not to Make a Claim](https://tomneedhaminsurance.com/to-make-a-claim-or-not-to-make-a-claim/) - It's a common belief that filing a single claim on your homeowner's policy will cause your insurer to raise your rates or cancel your coverage. Is it true? - [Is My Greensboro Homeowners Insurance Enough to Cover the Cost of Rebuilding?](https://tomneedhaminsurance.com/is-my-greensboro-homeowners-insurance-enough-to-cover-the-cost-of-rebuilding/) - Your Greensboro homeowners insurance is financial protection you put in place should your home or the personal property you have in it be damaged, destroyed or stolen. It may very well be your most critical form of financial protection since your home likely represents your greatest financial asset. If your home is being purchased using a mortgage, it's - [6 Ways to Save on Greensboro Car Insurance for Young Drivers](https://tomneedhaminsurance.com/6-ways-to-save-on-greensboro-car-insurance-for-young-drivers/) - As a leading Greensboro car insurance broker, our goal is getting our customers the best car coverage at the most affordable rates possible. Often, this involves assisting established policyholders in obtaining coverage for newly of-age teen drivers in their families. If you're the parent of a new teen driver, you likely have mixed feelings about - [4 Tips for Protecting and Insuring Jewelry](https://tomneedhaminsurance.com/4-tips-for-protecting-and-insuring-jewelry/) - If you're a homeowner, whether you own your home outright or are paying off a mortgage, chances are about 95-to-one that you have a homeowner's insurance policy in place to protect your investment. This is according to current statistics. Unfortunately, statistics also indicate that many homeowner policyholders don't have a clear idea as to exactly what's - [11 Insurance Terms Everyone Should Know](https://tomneedhaminsurance.com/11-insurance-terms-everyone-should-know/) - Insurance is a risk-sharing arrangement between an individual or entity and an insuring agency, usually an insurance company. This sharing of risk is a hedge taken out by the insured against financial losses suffered as a result of damage to his or her person or property. It may also protect against liability for injury or - [What Causes Auto Insurance Rates to Go Up?](https://tomneedhaminsurance.com/what-causes-auto-insurance-rates-to-go-up/) - When your auto insurance policy is issued, the rate is set by the perceived amount of risk you represent to the company's bottom line. What causes these rates to go up? - [4 Things to Understand About Actual Cash Value Versus Replacement Cost](https://tomneedhaminsurance.com/4-things-to-understand-about-actual-cash-value-versus-replacement-cost/) - There are different methods by which insurance companies may pay for a covered loss. One type is “actual cash value,” and the other is “replacement cost value.” - [Winter Preparation: Keeping Your Home in Good Shape](https://tomneedhaminsurance.com/winter-preparation-keeping-your-home-in-good-shape/) - As winter approaches there's a list of things you can accomplish but, in fact, many of these items can be done anytime of the year to provide benefits. - [Greensboro Insurance: Bundling](https://tomneedhaminsurance.com/greensboro-insurance-bundling/) - Bundling multiple types of insurance coverage saves you not only money - often as much as 10-15% or more on premium costs - but also saves you time. Read more. - [What Is Commercial Insurance?](https://tomneedhaminsurance.com/what-is-commercial-insurance/) - Commercial insurance includes a wide range of specific insurance products and typically covers the business itself, the business owner and the employees. - [How to Reduce Greensboro Auto Insurance Costs](https://tomneedhaminsurance.com/how-to-reduce-greensboro-auto-insurance-costs/) - There are, however, numerous factors over which you do have control when insuring your vehicle. We'll look at these for reducing Greensboro auto insurance costs. - [3 Insurance Tips for Millennials](https://tomneedhaminsurance.com/3-insurance-tips-for-millennials/) - Here are some tips insurance buying tips Millennials may consider regarding their insurance coverage. - [Who Pays When a Tree Limb Falls on a Car?](https://tomneedhaminsurance.com/who-pays-when-a-tree-limb-falls-on-a-car/) - If you're unfortunate enough to be victim to a tree falls on car scenario, you'll undoubtedly be wondering who pays for the damage. Do you know the answer? - [Finding the Best Greensboro Condo Insurance](https://tomneedhaminsurance.com/finding-the-best-greensboro-condo-insurance/) - Experts agree that the most prudent means for obtaining the best Greensboro condo insurance policy is to seek multiple quotes before deciding on a company or policy. - [5 Surprising Things Your Greensboro Home Insurance Covers](https://tomneedhaminsurance.com/5-surprising-things-your-greensboro-home-insurance-covers/) - While it's true that your Greensboro home insurance policy provides protection from loss of a dwelling from most disasters, accidents & theft, it does more than that. - [Is Greensboro Homeowner's Insurance Mandatory?](https://tomneedhaminsurance.com/is-greensboro-homeowners-insurance-mandatory/) - While not required by law, homeowner's insurance is likely required of anyone purchasing a home through a lending institution to satisfy this need for protection. - [Does Greensboro Home Insurance Cover College Dorms?](https://tomneedhaminsurance.com/does-greensboro-home-insurance-cover-college-dorms/) - If you're getting ready to send your child off to college for the first time, one thing you may have forgotten to consider is protecting your assets. Check it out. - [Who Is Included in My Auto Insurance Coverage?](https://tomneedhaminsurance.com/who-is-included-in-my-auto-insurance-coverage/) - The question regarding, “Who is included in my auto insurance coverage?” is one we hear often here at our Greensboro Auto Insurance office. Just who is included? - [8 Types of Car Insurance Coverage](https://tomneedhaminsurance.com/8-types-of-car-insurance-coverage/) - Car insurance is a legal requirement in all but one U.S. state. In addition to the required amount of liability coverage, there are 8 other types of car insurance. - [Can Your Homeowner's Insurance Company Drop You?](https://tomneedhaminsurance.com/can-your-homeowners-insurance-company-drop-you/) - Insurance companies, like any other company, are in business to make a profit. Their particular business deals with risk assumption. Can they drop you? Read more. - [4 Tips for Stress Free RV Travel](https://tomneedhaminsurance.com/4-tips-for-stress-free-rv-travel/) - Stress free RV travel not only makes your trip more fun but also safer and will help in producing a welcome wind down during your trip. For more tips, read on. - [4 Reasons to Buy Home & Car Insurance From an Independent Agency](https://tomneedhaminsurance.com/4-reasons-to-buy-home-car-insurance-from-an-independent-agency/) - There are numerous reasons for you to buy insurance from an independent agent rather than buying it directly from an insurance company. Want to know more? Read on. - [Filing an Insurance Claim: Myths Versus Facts Will My Insurance Premiums Increase If I file a Claim?](https://tomneedhaminsurance.com/filing-an-insurance-claim-myths-versus-facts-will-my-insurance-premiums-increase-if-i-file-a-claim/) - Like so many questions people ask about their insurance, the answer to the question, “Will my insurance premiums increase after filing an insurance claim?” It depends. - [5 Things That Spike Auto Insurance Rates](https://tomneedhaminsurance.com/5-things-that-spike-auto-insurance-rates/) - There are any number of reasons why you may experience a jump in auto insurance rates. If this should happen, these may be some reasons why. - [Does Homeowner's Insurance Cover Basement Flooding?](https://tomneedhaminsurance.com/does-homeowners-insurance-cover-basement-flooding/) - If your basement gets flooded and you're now wondering if your Greensboro homeowners insurance policy covers the damage done you may be disappointed. Read more: - [Pros and Cons of RV Travel](https://tomneedhaminsurance.com/pros-and-cons-of-rv-travel/) - There are many reasons why RV travel has become so popular recently. Read more here to find out why. - [Does Everyone Need Life Insurance?](https://tomneedhaminsurance.com/does-everyone-need-life-insurance/) - There are plenty of reasons for buying life insurance, from ensuring that all of your debts get paid off in the event of your untimely death to protecting your family's financial security if you're no longer around to generate a steady income because of your passing. The fact is, a case can be made for - [How Much Life Insurance Does a Stay-At-Home Parent Need?](https://tomneedhaminsurance.com/how-much-life-insurance-does-a-stay-at-home-parent-need/) - As a stay-at-home parent you might think that, since you're not bringing home a paycheck, there's no need to carry life insurance. This assumption could not be further from the truth. The jobs you handle at home are extremely important, especially with kids involved and, were you to be suddenly taken out of the picture, - [6 Facts about Liability Insurance for Small Business](https://tomneedhaminsurance.com/6-facts-about-liability-insurance-for-small-business/) - As a small business owner in North Carolina, it's important for you to know the ins and outs of liability insurance for small business companies. This is in order to be able to effectively protect yourself and your business from any future settlements or legal claims that could potentially spell disaster to you and your business - [Greensboro Life Insurance: What to Tell Your Beneficiaries](https://tomneedhaminsurance.com/greensboro-life-insurance-what-to-tell-your-beneficiaries/) - If family doesn't know a policy exists or know the policy contents, they won't be able to get the claim going. Here's what your beneficiaries need to know. - [Greensboro Home Insurance: Comparing Quotes](https://tomneedhaminsurance.com/greensboro-home-insurance-comparing-quotes/) - When buying Greensboro home insurance, you have a choice of going one-on-one with individual insurance providers or using a broker that has the ability to basically do all the legwork. - [Is It Time for an Auto Insurance Review?](https://tomneedhaminsurance.com/is-it-time-for-an-auto-insurance-review/) - Just like it's important to see your doctor once a year for an annual medical exam and to visit your car mechanic once a year for an annual service check on your vehicle, you should also consider scheduling a consultation with your insurance agent every year or two for an auto insurance review. If you - [Insuring Your Teen Driver: 5 Insights](https://tomneedhaminsurance.com/insuring-your-teen-driver-5-insights/) - A study completed for a large American insurance company several years ago found that, with nearly 1,500 parents of teen drivers responding, when adding a teenager to the parent's auto insurance policy, cost of the coverage increased by an average of about $800 per year. A more recent study found an average increase when adding - [How to Handle a Greensboro Auto Insurance Lapse](https://tomneedhaminsurance.com/how-to-handle-a-greensboro-auto-insurance-lapse/) - As your Greensboro Auto Insurance experts, here at Tom Needham Insurance Agency we offer lots of advice to our clients regarding car insurance specifics within our various blog posts. These cover topics such as how to get the best coverage for the best price, what to do immediately after being involved in a vehicle accident or things - [5 Things New Parents Need to Know About Life Insurance](https://tomneedhaminsurance.com/5-things-new-parents-need-to-know-about-life-insurance/) - Becoming a new parent is an amazing experience, most often bringing joy but also a certain amount of fear and trepidation due to the awesome responsibilities that go along with creating your new family. One thing's for sure – if you haven't taken care of your life insurance needs until now, becoming a new parent - [Greensboro Car Insurance: 5 Things to Know](https://tomneedhaminsurance.com/greensboro-car-insurance-5-things-to-know/) - Buying car insurance in the Greensboro/High Point area isn't much different than buying it anywhere else – knowledge is power – the power to get the best policy for the lowest price! Here are a few tips to help you obtain that knowledge and get the best deal possible, which can help reduce the cost - [What Is High-Value Greensboro Home Insurance?](https://tomneedhaminsurance.com/what-is-high-value-greensboro-home-insurance/) - Individuals here in the Greensboro and Guilford County area owning homes valued in excess of seven hundred thousand dollars are likely candidates for something known as high-value or luxury home insurance. This includes a select group of clients who require more homeowner's insurance coverage than is available with a standard policy. High-value coverage is typically designed - [Tips for Comparing Homeowners Insurance Quotes Online](https://tomneedhaminsurance.com/tips-for-comparing-homeowners-insurance-quotes-online/) - How is the best way to compare Homeowners Insurance quotes online? Read more from Tom Needham Insurance in Greensboro to find out. - [How Will a Pool Affect My Homeowner's Insurance?](https://tomneedhaminsurance.com/how-will-a-pool-affect-my-homeowners-insurance/) - If you're considering the installation of a swimming pool on your property, it's recommended that you consult your insurance agent or the company that handles your homeowners insurance to learn about the effects that having a pool will have on your insurance coverage. Much like a trampoline, a backyard swimming pool is considered by insurance - [Greensboro Home Insurance: Acts of God](https://tomneedhaminsurance.com/greensboro-home-insurance-acts-of-god/) - Often our Greensboro home insurance policyholders have questions regarding what constitutes an “act of God” as it refers to insurance coverage and exactly how they're protected. You might consider a lightning bolt striking your home as an act of God as well as the accompanying hurricane that inundates your residence with rain and wind. If - [Greensboro Renters Insurance: Myth Versus Fact](https://tomneedhaminsurance.com/greensboro-renters-insurance-myth-versus-fact/) - Many Greensboro area tenants may be unaware of the importance of having Greensboro renters insurance when renting their living accommodations. This is not unique to North Carolina, as national statistics reveal that, nationwide, less than 40% of renters have renters insurance, otherwise known as tenant's insurance. Compare this with the number of homeowners with homeowner's insurance which, according to the Insurance - [Greensboro Home Insurance: What About Renovations?](https://tomneedhaminsurance.com/greensboro-home-insurance-what-about-renovations/) - If you're getting ready to undergo a home renovation, you've no doubt plenty to put on your to-do list before starting. This typically includes ideas like what kind of changes you'll be making, who'll be responsible for the design and construction phases, choice of materials, budgeting and dozens of other items. Something you may not think to put on - [Choosing the Best Homeowners Insurance](https://tomneedhaminsurance.com/choosing-the-best-homeowners-insurance/) - If you're like many here in the Triad Region, your home is your largest financial asset and you understand the importance of protecting your risk of financial loss with a quality, comprehensive homeowners insurance policy. While it's true that an insurance policy is sold as a promise of protection, not all insurance companies perform equally - [4 Things to Know About Renters Insurance](https://tomneedhaminsurance.com/4-things-to-know-about-renters-insurance/) - If you caught the national news recently where victims of the California wildfires were being interviewed, you heard some harrowing stories of property loss. Of all the tales told, most disturbing were those of renters who lost everything in their homes without the benefit of having renters insurance to help cover the costs of the losses. Who Has Insurance? - [Single Premium Life Insurance: Pros and Cons](https://tomneedhaminsurance.com/single-premium-life-insurance-pros-and-cons/) - When individuals and families make major purchases, such as buying cars or buying a home, these purchases are often paid over time in what are called “installments.” This allows you to buy a high dollar item, paying over an extended period of time, when you might not otherwise ever be able to accumulate the funds necessary to - [18 Things Not Covered by Greensboro Home Insurance](https://tomneedhaminsurance.com/18-things-not-covered-by-greensboro-home-insurance/) - A standard Greensboro homeowners insurance policy, also referred to as an HO-3 policy, covers numerous perils that, as a homeowner, you're at the potential risk of falling victim to at some time in the future. HO-3 coverage, which is the most commonly written type of homeowners insurance in the U.S., provides “open perils” coverage for - [Progressive Commercial Smart Haul ELD Program](https://tomneedhaminsurance.com/progressive-commercial-smart-haul-eld-program/) - With the December 18, 2017 deadline for compliance with the Federal Motor Carrier Safety Administration (FMCSA) ELD (Electronic Logging Device) Mandate fast approaching, it's important that all commercial truck drivers and truck fleets take the necessary steps to become compliant to avoid fines or other legal consequences. This means implementing the use of certified ELDs, - [Does Greensboro Auto Insurance Cover a Flooded Car?](https://tomneedhaminsurance.com/does-greensboro-auto-insurance-cover-a-flooded-car/) - With the recent spate of flooding affecting people all over, you may have wondered whether your Greensboro auto insurance policy would cover your vehicle in the event that it became damaged in a flood. Just as with home insurance coverage, the simple answer is, “YES” you're covered for flood damage if you have the correct - [Leasing vs. Buying a Car: Insurance Considerations](https://tomneedhaminsurance.com/leasing-vs-buying-a-car-insurance-considerations/) - When obtaining a new car, you're basically faced with two main choices – buying or leasing. Both have their pluses and minuses, such as lower monthly payments when leasing as opposed to financing and a buildup of equity when buying rather than leasing. When it comes to getting car insurance for your new vehicle, however, there - [Greensboro Auto Insurance: What Does Liability Mean?](https://tomneedhaminsurance.com/greensboro-auto-insurance-what-does-liability-mean/) - The dictionary definition for “liability” is pretty straightforward – it's the state of being responsible for something, especially as that responsibility pertains to the law. Liability can also be described as accountability or answerability. In the area of car insurance, you're responsible, or liable, for everything you do while driving. If any of your actions - [Legal Custodian of Veteran Affairs Bonds](https://tomneedhaminsurance.com/legal-custodian-of-veteran-affairs-bonds/) - Veteran Affairs Bonds are typically required by the Veteran's Administration to cover the legal custodian of a veteran who is receiving benefits from the VA but has been deemed incompetent or otherwise incapable of properly managing their own financial affairs. The legal custodian, who is usually the ward's caregiver, is the named principal on the - [Does Greensboro Car Insurance Cover International Travel?](https://tomneedhaminsurance.com/does-greensboro-car-insurance-cover-international-travel/) - Your Greensboro car insurance coverage protects you when driving anywhere within the 50 United States and, most likely, covers you when traveling into Canada. You should not, however, expect it to provide you with any protection should you decide to drive in Mexico. There may be exceptions. The only way to be certain of what - [Are Greensboro Home Insurance Deductibles Tax Deductible?](https://tomneedhaminsurance.com/are-greensboro-home-insurance-deductibles-tax-deductible/) - When you first purchased your Greensboro home insurance policy, you were given the choice of determining the deductible amount you'd pay if and when you filed a claim. It should have been explained to you that the higher the deductible amount the lower your policy premiums would be, but if you filed a claim, that - [Trampolines and Home Insurance Coverage](https://tomneedhaminsurance.com/trampolines-and-home-insurance-coverage/) - When you're looking for the best Greensboro home insurance policy for your specific needs, it's important to realize that each company's homeowner's insurance may be slightly different than the next company's. 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Please call our office if you need additional help. ## Categories - [General](https://tomneedhaminsurance.com/category/general/) - Tom Needham Insurance Agency is a reputable and customer-centric insurance provider located in Greensboro, NC. With a strong commitment to serving the community, we offer a comprehensive range of insurance solutions tailored to meet the unique needs of individuals, families, and businesses in the area. At Tom Needham Insurance Agency, we understand that insurance is more than just a policy; it's a crucial investment in protecting your assets, loved ones, and future. With years of experience and a team of knowledgeable insurance professionals, we strive to provide personalized and reliable coverage options that offer peace of mind to our valued clients. Our agency specializes in various insurance lines, including auto insurance, home insurance, life insurance, business insurance, and more. We work closely with multiple reputable insurance carriers to ensure we can offer competitive rates and flexible coverage options that align with our clients' specific requirements. - [Car Liability Insurance](https://tomneedhaminsurance.com/category/car-liability-insurance/) - Tom Needham Insurance Agency is a reputable and customer-centric insurance provider located in Greensboro, NC. With a strong commitment to serving the community, we offer a comprehensive range of insurance solutions tailored to meet the unique needs of individuals, families, and businesses in the area. At Tom Needham Insurance Agency, we understand that insurance is more than just a policy; it's a crucial investment in protecting your assets, loved ones, and future. With years of experience and a team of knowledgeable insurance professionals, we strive to provide personalized and reliable coverage options that offer peace of mind to our valued clients. Our agency specializes in various insurance lines, including auto insurance, home insurance, life insurance, business insurance, and more. We work closely with multiple reputable insurance carriers to ensure we can offer competitive rates and flexible coverage options that align with our clients' specific requirements. - [Independent Insurance Agency](https://tomneedhaminsurance.com/category/independent-insurance-agency/) - Tom Needham Insurance Agency is a reputable and customer-centric insurance provider located in Greensboro, NC. With a strong commitment to serving the community, we offer a comprehensive range of insurance solutions tailored to meet the unique needs of individuals, families, and businesses in the area. At Tom Needham Insurance Agency, we understand that insurance is more than just a policy; it's a crucial investment in protecting your assets, loved ones, and future. 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With a strong commitment to serving the community, we offer a comprehensive range of insurance solutions tailored to meet the unique needs of individuals, families, and businesses in the area. At Tom Needham Insurance Agency, we understand that insurance is more than just a policy; it's a crucial investment in protecting your assets, loved ones, and future. With years of experience and a team of knowledgeable insurance professionals, we strive to provide personalized and reliable coverage options that offer peace of mind to our valued clients. Our agency specializes in various insurance lines, including auto insurance, home insurance, life insurance, business insurance, and more. 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