Making your home a safer place

Everyone should be thinking about ways to make their home a safer place. Safety encompasses a lot of different things. It can be to make your home safe from dangers from the outside, but it also might be about dangers that exist within the home. Both are causes for concern. At Griffin Insurance Agency in Mooresville, NC, we make sure your home insurance gives you the protection you need to feel safe in your own home. 

Change the batteries

Your smoke detector and carbon monoxide detectors are both lifesavers and make your home a safer place. They can only do that if they are operational. Many people change the batteries when the time changes in the fall and spring and that makes good sense. 

Clean up the clutter

Clutter is not only unsightly; it is also dangerous especially if you pile things on the stairs and hallways in your home. It is a trip hazard. Make sure walkways are cleared both inside and outside your home. 

Use your locks

If you ever open your windows, make sure that they are not opened enough to allow access to your home. When you close them, lock the windows and make sure if you have a slider, it is also locked with a bar that fits in the lower track. 

Keep tall shrubs away from your home

If you have plants close to your home, make sure they are kept trimmed low so that no one is able to get close to your home and not be visible from the street and inside. 

Don’t announce your plans to be away on social media

Way too much sharing happens on social media. Don’t tell your friends and through them their friends when you are planning to be away from home. You never know who can see your posts. 

Contact Griffin Insurance Agency in Mooresville, NC for all your home insurance needs. 

Do All Homeowners Require Home Insurance?

Before building or purchasing your first home in Mooresville, NC, you may want to know whether you are required to buy home insurance. Well, home insurance isn’t required by any law, but you will be grateful you had it when perils like theft, fire, vandalism, and natural calamities strike. 

If you are wondering whether you need home insurance, keep scrolling as Griffin Insurance Agency explains why home insurance is a must-have investment. 

It may be required

While home insurance isn’t mandated by any state or federal law, your mortgage lender may require you to purchase at least the basic home insurance coverage. Think of your lender as a part-owner of your home. And just like you, they would want to protect their investment when the unthinkable strikes. 

Home insurance protects your dwelling

It has taken you years to put up your home. As such, it makes sense to protect your hard-earned investment with proper home insurance. A home insurance plan covers repairs and even rebuilding in case of a total loss. 

To protect your belongings

Home insurance protects not only your building structure but also the contents inside. Since perils like theft, fire, vandalism, and other risks may cause damage or loss to the stuff you have spent years collecting, home insurance comes in handy by replacing your valuables whenever covered perils strike. 

Liability protection

While we always do our best to prevent accidents, they can still happen right within your premises. A visitor could slip and injure their leg. Your dog could bite a person. Perhaps, you could reverse your car into your neighbor’s wall. 

Unfortunately, when accidents happen, you are faced with bodily injury, property damage, and possible lawsuits. Thankfully, if you have home insurance, you don’t have to worry much about third-party costs. 

Buy home insurance in Mooresville, NC today!

Are you ready to get started with home insurance? Please contact Griffin Insurance Agency for an affordable quote. 

What does a standard home insurance policy cover?

Your home in Mooresville, NC is a treasure and sanctuary. You need a home insurance policy that matches how you feel about your dwelling place. The agents at Griffin Insurance Agency can help you craft an indemnity plan that best suits your family’s needs.

Why do you need home insurance?

There is no state law requiring homeowners in Mooresville, NC to obtain an indemnity plan for their property. You should, however, consider purchasing home insurance for a number of reasons. 

First, the tenants of your mortgage agreement may require you to have home insurance that covers at least the structure. Some lenders attach an indemnity plan that protects their investment when the borrower fails to maintain a home insurance plan. 

The problem with a lender charging you for a home indemnity policy of their choosing is that such a plan protects them while leaving your family in the cold. You can forge about a good home insurance plan that pays if your personal possessions are damaged when the lender chooses the plan. Such is a reason for you to be proactive in your approach to a home indemnity plan. 

Another reason to buy home insurance is because of natural disasters. The best plans pay for damages to your home when inclement weather or a firestorm ravage your dwelling place. 

What does a standard home insurance plan cover?

A standard home insurance policy does not pay for natural disasters. A good plan does, however, cover your structure along with personal possessions inside of the home. 

The agents at Griffin Insurance Agency can help you understand the benefits of a good home insurance plan. Call them today to get started with a quote for coverage!

Why should I get home insurance for my North Carolina property?

In the Mooresville NC area, buying a home is often a better option than renting. If you do choose to rent a property, you will be making a big investment that you will want to pay dividends in the future. Those that purchase a home in North Carolina need to get a proper home insurance policy for a few reasons. 

Insurance Gives Liability Coverage

A reason that you will want to have home insurance for your property in North Carolina is that it will give liability coverage. There are always going to be liability risks that come with owning a home. These extend to guests being injured or your property causing damage to another home. Fortunately, you are able to mitigate all of these risks if you invest in a home insurance policy as it offers proper liability coverage.

Insurance Covers Assets

You should also get a home insurance policy to ensure that your assets are properly covered. Anyone that is going to buy and own a home in North Carolina will end up making a huge investment that needs to be protected. If you get home insurance, it will give you the coverage that is needed to repair or replace your property in a variety of situations. This could help to protect your investment going forward. 

As you are going to get a new home or home insurance policy in the Mooresville, NC area, it would be a good idea for you to speak with the team at the Griffin Insurance Agency. When you are going to call Griffin Insurance Agency, you are going to get the support that is needed to choose a new policy. With this support, you will feel great about the coverage you select. 

Why should I have a home inventory

Moorseville is a popular place to call home. With beautiful Lake Norman nearby it’s like being on vacation all year round. But even in this idyllic place, bad things happen. Having a good home insurance policy makes it less worrisome when you have to file a claim. Nothing can make filing a claim fun but some things can make it a little less stressful and one of them is a home inventory. At Griffin Insurance Agency in  Mooresville, NC, our agency has been providing quality solutions to our customers for more than 40 years

The reason you should have a home inventory is that after your home has been devastated by a covered peril there may not be a lot left to remind you of what you formerly had. You could lose all your photographs and trying to picture what every room or your closet looked like when you have nothing but a pile of debris may be more than you can manage. The insurance company needs to know what you had to replace it for you.  

By taking the time to create a home inventory now, you can make the business of filing a claim for your personal property a lot less painful. It takes time to make a home inventory and documenting all your possessions can be a real pain but compared to the pain of doing it after a catastrophic event there is no comparison. Once you have taken the time to make your home inventory store it in a safe place away from your home if possible but at the very least,  in a water and fireproof box. 

At Griffin Insurance Agency in  Mooresville, NC, we are ready whenever you are to talk about your home insurance needs and the benefits of a home inventory. Give our office a call or stop in for a free quote. 

What First-Time Homebuyers Need to Know About Home Insurance

First-time homebuyers make up approximately 33% of all buyers, according to the National Association of Realtors. As a first-time homebuyer, you’re new at this. You’ve never done it before, and your lack of knowledge could cost you time and money with home insurance. Griffin Insurance Agency in Mooresville, NC specializes in working with first-time homebuyers. So, here are some tips you should know if you’re a first-time homebuyer in need of home insurance.

Start Looking for Coverage Options Early

We offer quotes for home insurance coverage no matter where you are in the home-buying process, but it’s better to start early so you have a better idea of the cost. We can make sure you get reliable coverage for your new home.

Determine the Best Insurance Value

As your local insurance provider, we help you understand what level of coverage you need and what that will look like for premiums. Your home insurance does not have to cover the full market value.

What to Consider in Home Insurance Coverage?

We work with you to deliver the level of coverage that you need, based on your unique circumstances. There are overarching home insurance considerations for all new homeowners.

Personal Property

Check the limits for personal property to see coverage and liability. We work with you to determine how to increase that coverage if needed to cover your most valuable belongings.

Guest Medical

This coverage pays the person’s medical expenses when he/she is injured on your property.

Dwelling Coverage

This coverage protects the structure of your home.

Liability Coverage

This type of coverage protects you if a person sues you because of an injury or fault with your property.

Additional Living Expenses

When a covered damage-and-repair situation makes it impossible to live on the property, this coverage pays for your living expenses, including a hotel room.


Check the exclusions for your policy. We can work with you to determine if you need additional coverage to mitigate exclusion situations.

Schedule an Appointment with Griffin Insurance Agency

Our goal is to make the process of getting your home insurance for your new home as quick-and-easy as possible. That’s why we quickly respond to your needs, and we offer our recommendations for the coverage to protect your new home. We’re here to answer all your questions and walk you through the entire process. It’s the right coverage at the right price for you. Learn more about auto insurance from Griffin Insurance Agency in Mooresville, NC.

When should I get a home insurance policy in North Carolina?

Anyone that lives in the Mooresville, NC area should consider purchasing their home. When you are a property owner in this area, you can take advantage of the appreciating property values and also have a consistent place to live. While there are advantages to owning a property, you need to recognize certain risks. A great way to mitigate some risks is by getting a home insurance policy. There are many reasons to get this form of coverage in North Carolina. 

When Looking to Protect Asset

The first situation when you should get a home insurance policy is when you want to protect your asset. Even if you are very diligent as a property owner, there is always a risk that damage from a fire or adverse weather could occur. One way to mitigate this risk is by getting home insurance. When you have this insurance, it will provide you with the financial resources to either repair your home or purchase a new one. 

When Looking to Reduce Liability Risk

As a property owner, you are always going to take on some risk that a guest in your home gets hurt. If this occurs, you could be held liable for the damages. Fortunately, you can get a home insurance policy that will give you liability protection. This could prove to be very valuable in a situation where there is an unfortunate accident.

There are many situations when someone in the Mooresville, NC area should get home insurance. When you are looking for this type of coverage, you should call the professionals at the Griffin Insurance Agency. When you speak with the Griffin Insurance Agency, you are going to learn a lot more about your options for finding a policy and protecting you and your home. 

Tips to prepare your home for spring to avoid insurance claims

Most homeowners in North Carolina know the importance of having comprehensive insurance policies in place to protect them in the event of a loss. There are also plenty of steps homeowners’ can take to help avoid claims in the first place. The agents at the Griffin Insurance Agency in Mooresville, NC have put together some helpful spring maintenance tips to help you avoid insurance claims. 

Clean the gutters 

As homeowners in the area know well, springtime can bring warmer temperatures but also a lot of rain. It is critical to have your gutters cleaned before spring to ensure water can properly flow away from the house. Clean gutters help protect your home from water damage and avoid an insurance claim. 

Dryer lint house

One of the most common ways house fires start is from a clothes dryer lint hose. Springtime is a great time to clean your lint hose to avoid a fire and insurance claim. It is also good to replace the hose every few years. 

Clear debris from walkways

When spring comes, you will likely have more guests over for BBQ and other gatherings as the weather improves. It is essential to remove any debris such as tree branches that may have fallen during the winter months. Clear walkways will help ensure your guests do not trip and fall, which could lead to liability claims. 

Water heater maintenance

It is a good time of year to check on the condition of your water heater. Over time, the bottom of your water heater can start to erode due to sediment build up as well as leaks at the connection pipes. By repairing or replacing a water heater that leaks, you will avoid unnecessary water damage claims. 

If you would like to learn more about spring home maintenance tips, reach out to the agents at Griffin Insurance Agency today. We proudly serve the Wilkesboro and Mooresville, NC area.


Why I Need A Home Inventory

Mooresville, NC is located near beautiful Lake Norman in Northwestern North Carolina. It is an amazing place to live and own a home. But even in this idyllic location, bad things can happen, and when they do, they may cause damage to your home. Having something damage or destroy your home causes a lot of stress in your life, and part of that stress is trying to fill out the paperwork required by the insurance company to collect on your home insurance. Having a home inventory is one way to take away some of that stress. Griffin Insurance Agency in Mooresville, NC has experienced staff who can help you to understand why you need a home inventory. 

The Benefits of a Home Inventory

If you have ever seen the results of a home fire, hurricane, or tornado, you know that often the interior of the home is devastated. Everyone hopes that this will never happen to them, but it is always best to be prepared. Part of the coverage that is included in home insurance is personal property coverage. This includes all the things you own beyond the structure of your home, garage, or shed. You need to let the insurance company know what you had before the damage was done so that they can give you the money to replace it up to the limit included in your policy.

You probably think that you can remember all the things you have, you are wrong. Once you start to create a home inventory, you will realize exactly how wrong you are. A home inventory will help make sure that you get the benefits you are entitled to. At Griffin Insurance Agency in Mooresville, NC we understand how important a home inventory is and we will be happy to give you ideas about creating yours and also making sure that you have the right insurance coverage. Give the office a call or stop by, you will be glad you did. 

Do I need home insurance if I don’t have a mortgage

Mooresville is one of the most beautiful places in North Carolina. It is a popular place to live, being so close to gorgeous Lake Norman. It is a great place to retire, and if you decide you want to live there, you may be wondering if you need home insurance if you don’t have a mortgage. At the Griffin Insurance Agency, we are local to Mooresville, NC, and we would be happy to discuss your home insurance needs with you. 

Do I need home insurance if I don’t have a mortgage?

No, legally, you are not required to have home insurance. But that does not mean that you should not opt to have home insurance. Unless you are independently wealthy and could easily afford to make repairs or pay any lawsuit that might be lodged against you, then having a home insurance policy provides valuable protection. 

North Carolina is vulnerable to a variety of weather events that can cause major damage to your home. If a covered event occurs, your home insurance will provide the money that you need to not only repair or rebuild your home but to replace all of your personal belonging that may have been lost. If your home is so damaged that you can not reside there, it will help you with the money you need to live somewhere else until your home is ready to be occupied again. 

Liability coverage is one of the most important protections that home insurance provides. Suing has become a more common occurence, and if you happen to be the object of a lawsuit by someone who was injured while visiting your home, you will be relieved that you have it. 

The Griffin Insurance Agency is available to answer your questions about the value to you of having home insurance. Give our office a call or stop by in Mooresville, NC to discuss this critical coverage.