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110 Boone Square St, Suite 7
Hillsborough, NC 27278

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North Carolina Insurance Blog

The Role of Home Insurance in Protecting Your Biggest Investment

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For most people in Hillsborough, NC, their home is their biggest investment. At Knight/Payton Wilson Insurance, we understand the importance of protecting this investment, and that’s where home insurance comes in.

What is Home Insurance?

Home insurance is a type of property insurance that covers losses and damages to an individual’s house and assets in the home. It typically covers interior and exterior damage, loss or damage of personal assets, and injury that arises while on the property.

Why is Home Insurance Important?

Home insurance is crucial for a few reasons. First, it can help you financially recover from unexpected events like fires, storms, or burglaries. Second, it can protect you from liability if someone is injured on your property in Hillsborough, NC.

Choosing the Right Home Insurance Policy

Choosing the right home insurance policy can be challenging, but it’s easier when you know what to look for. Consider factors like the amount of coverage you need, your budget, and the reputation of the insurance company. At Knight/Payton Wilson Insurance, we’re here to help you make the best decision for your needs.

Remember, protecting your biggest investment with home insurance is crucial. If you have any questions or need help finding the right policy, don’t hesitate to contact us at Knight/Payton Wilson Insurance.

How Does Personal Injury Protection factor into your Auto Insurance?

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Knight/Payton Wilson Insurance is your trusted insurance agency here in Hillsborough, NC! We are always here to help clear up any uncertainties you might have regarding your auto insurance coverages. Today, we will be discussing an often-overlooked but incredibly important aspect of auto insurance: Personal Injury Protection or PIP.

What Is Personal Injury Protection?

Personal Injury Protection (PIP) is an extension of auto insurance that covers medical expenses and, in many cases, lost wages. It is often called “no-fault” coverage because it is designed to be paid regardless of who is at fault, offering you immediate coverage for injuries sustained in an auto accident.

Why PIP is Important for Hillsborough, NC Residents

As residents of Hillsborough, NC, having PIP coverage can be highly beneficial. Not only does it cover your own medical bills, but it also provides for other members of your household, and typically offers protection for lost income and a range of other services you might need post-accident. This means that PIP gives you a layer of protection above and beyond traditional medical insurance.

PIP within Knight/Payton Wilson Insurance Policies

Knight/Payton Wilson Insurance policies can be tailored to include PIP coverage that will provide benefits for you and your family members. We strive to make sure that our clients in Hillsborough, NC have the protection they need when they need it. With PIP, your care is prioritized and you’ll have immediate access to funds for medical expenses and other related costs.

The world of auto insurance can be complex, but Knight/Payton Wilson Insurance is here to help our Hillsborough, NC neighbors navigate it with ease. For any questions or for more information regarding PIP, feel free to contact us at Knight/Payton Wilson Insurance.

Commercial Insurance: What New Business Owners in Hillsborough, NC Need to Know

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If you are a new business owner in Hillsborough, NC, it is important that you understand the ins and outs of commercial insurance in order to ensure that your business remains profitable and successful. At Knight/Payton Wilson Insurance, we specialize in helping businesses like yours navigate the complex world of commercial insurance.

Understanding What Commercial Insurance Covers

Commercial insurance, also known as business insurance, covers a wide range of potential risks that businesses may face. These can include property damage, liability claims, worker’s compensation, and more. It’s essential for businesses in Hillsborough, NC to have adequate coverage as it can protect you against potentially devastating financial losses.

The Importance of Liability Coverage

One particular aspect of commercial insurance that business owners often overlook is liability coverage. This can protect your business from financial loss in the event of lawsuits or similar claims. For example, if a customer or employee gets injured on your premises, or if your product or service causes harm to a consumer, liability insurance can cover the legal expenses that arise from these incidents.

Assessing Your Coverage Needs

Your commercial insurance needs will vary depending on the type and size of your business, your industry, and other factors. Therefore, it’s crucial to work with an experienced insurance agency like Knight/Payton Wilson Insurance, who can assess your specific needs and help you find the right coverage.

For instance, if your business operates vehicles in its daily operations, commercial auto insurance will be necessary. If you provide professional advice or services to your clients, consider getting professional liability insurance.

Starting a new business in Hillsborough, NC is an exciting venture, but it also comes with significant risks. By understanding your commercial insurance needs and working with a knowledgeable insurance provider such as Knight/Payton Wilson Insurance, you can safeguard your investment and ensure your business thrives.

Protecting Your Home Against Natural Disaster With an Appropriate Insurance Policy

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Welcome to Knight/Payton Wilson Insurance, your trusted source for home insurance advice in Hillsborough, NC. If there’s one thing we’ve learned from the unpredictable weather patterns and events of recent years, it’s that it’s essential to be prepared for all possibilities. In this blog post, we’ll discuss how you can protect your home against natural disasters with the right insurance policy.

Understand Your Risks

The first step to proper protection is understanding your risks. In Hillsborough, NC, we might not be prone to earthquakes or hurricanes, but we do have to deal with severe storms, heavy rainfall, and the occasional tornado. Understanding these risks will guide you in figuring out what kind of additional coverage you may need in your home insurance policy.

Coverage Against Natural Disasters

Basic home insurance policies generally cover damage caused by lightning, windstorms, hail, and fire. However, you may want to contemplate additional coverage for disasters like flooding or earthquakes. At Knight/Payton Wilson Insurance in Hillsborough, NC, we offer additional add-on options, like flood insurance, to provide that extra coverage for peace of mind.

Review Your Policy Regularly

It’s crucial to understand that your insurance needs may change over time. You might add structures to your home, increase the value of your property, or local weather patterns may change. Regularly review your policy to ensure it always covers your current needs.

Ensure you have Sufficient Coverage

Another key consideration to remember is to ensure that your policy provides enough coverage not just to rebuild your home but also replace all of your belongings and afford additional living expenses if you have to leave your home for repairs.

When it comes to protecting your home from natural disasters in Hillsborough, NC, Knight/Payton Wilson Insurance has your back. Contact us today to discuss your options and make sure you have the protection you and your home need.

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