Sunday, June 28, 2026Your home, auto, and renters policies do a lot of heavy lifting, but they have limits. When a serious accident or lawsuit pushes costs beyond what those policies cover, a personal umbrella policy steps in to fill the gap. For many households, this extra layer of coverage is one of the smartest financial safeguards available. READ MORE >>
Monday, May 25, 2026Mold is a common concern for homeowners in North Carolina, where humidity and storms can create ideal conditions for mold growth. Whether or not homeowners insurance will cover mold damage will depend on your policy. When Is Mold Covered? In general, homeowners insurance may cover mold damage caused by a “covered peril. READ MORE >>
Saturday, April 25, 2026Exploring North Carolina by RV is a fantastic way to experience the state’s natural beauty, but it’s important to remember the financial responsibilities that come with it. At Jones - Byrd Insurance Agency, our team believes that a successful camping trip starts with the right RV insurance policy. READ MORE >>
Thursday, March 26, 2026Renters insurance is an essential consideration for anyone leasing a home or apartment in North Carolina. One of the most common questions we hear from our clients is whether renters insurance covers theft. Understanding how your policy responds to various risks can help you make informed decisions about insuring your belongings. READ MORE >>
Sunday, November 30, 2025Understanding what your homeowners insurance covers and what it doesn’t is essential for preserving your home’s financial integrity. At Jones - Byrd Insurance Agency, we believe that knowing the common exclusions in standard homeowners insurance policies can help you make informed decisions about your coverage and avoid unexpected surprises when you need to file a claim. READ MORE >>
Thursday, October 30, 2025Auto insurance may help cover financial losses related to collisions, property damage and injury claims. Without coverage, these costs can become a burden. A suitable policy can keep you or your business moving forward without significant financial setbacks. How Does Personal Auto Differ From Commercial Auto Insurance? READ MORE >>
Tuesday, September 30, 2025Personal property coverage is a core part of renters insurance policies. It helps cover your items, such as furniture, electronics, clothing and kitchenware, if they are damaged, destroyed or stolen due to covered events. Common risks include fire, theft, vandalism and certain types of water damage. READ MORE >>
Wednesday, August 27, 2025Owning a boat brings plenty of opportunities for fun and relaxation, but it also comes with responsibilities, including how to handle potential accidents, theft or damage. While some states require boat insurance, many, including North Carolina, do not. READ MORE >>
Tuesday, July 22, 2025A fleet safety program is a structured approach to promoting safe driving habits and maintaining vehicle standards across a commercial fleet. These programs are tailored to a business's specific needs and typically include policies, training, monitoring and accountability measures. READ MORE >>
Friday, June 27, 2025As a responsible homeowner, you’re likely well aware of the importance of home insurance. These policies can cultivate life-changing financial security, potentially compensating for devastating property damage and economic losses that might otherwise alter your lifestyle and future. READ MORE >>
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