FALL has arrived and along with it so have cozy sweaters, pumpkin spice lattes and of course... FALL FESTIVALS! Check out some local events making their way to the Clayton area this season.

​​This coming Monday, September 2nd most Americans will enjoy beach fun, BBQ’s, picnics and spending time with loved ones. Labor Day is now commonly known as an opportunity to have one last summer celebration but its roots are a little more complex & interesting! Check out these fun facts on one of our favorite summer holidays!
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July is a busy time in Grand Strand, SC. Here are some ideas for local events!

"Pretty colored trees" is how some 3 year olds describe fireworks. Yes, they are pretty, they may look like little trees and are definitely popular. Bursting in all different shapes, sizes and colors, annual fireworks will light up the skies in recognition of America's independence around July 4th. Safety is our mantra here at Family Insurance, we want to educate you on the precautions that should be taken when handling these "pretty colored trees".

Water can be fun for children to play with, but it can also be deadly. Consider these water safety tips for pools, natural bodies of water and household hazards.

​Most children are drawn to water. It's sparkly, things float in it and it's fun to splash. Water safety is no laughing matter. Anyone can have a water-related accident - even children who know how to swim. To keep your children safe in and near the water, follow these guidelines.

Does Homeowners Insurance Cover Jewelry & Valuable Items?Homeowners policies may provide limited coverage amounts for jewelry or valuable items, based on the type of item and cause of loss. Valuable items coverage may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.
What Does Jewelry Insurance Cover?Jewelry insurance covers valuable items from jewelry to collectibles, if these items are stolen or damaged in a covered event. A homeowners policy may not cover, or provide enough coverage, for those valuable items. Jewelry and valuable items coverage can help to give you peace of mind.
Consider Valuable Items Coverage For:

• Jewelry and engagement rings
• Silverware, china and crystal
• Antiques
• Fine art
• Stamp and coin collections
• Bicycles
• Trophies
• Sound equipment (recorders)
• Sports equipment (archery, camping, fishing, skiing)
• Wedding gifts
• Cameras
• Computers
• Musical instruments
• Golf Equipment
• Furs
• Guns
• Pedigreed dogs
• Garden tractors
• Political campaign collections
• Watches

There Are Two Types of Jewelry and Other Valuable Items CoveragePersonal Articles Floater
This itemized coverage can give you some peace of mind knowing your belongings and jewelry may be covered at the time of a loss. Offered as protection just for valuables, policies can be purchased separately. There is no deductible for most classes or types of property and the coverage insures against many risks. This is beneficial for more expensive articles, like an engagement ring or a watch, that may not be covered or with values that exceed coverage that might be provided by a homeowners policy.
Valuable Items Plus Insurance Coverage
Available as an add-on coverage to homeowners insurance, a valuable items plus endorsement can offer higher limits on certain types of valuables and expanded protection. Unlike the personal articles floater where items are individually listed, the valuable items plus endorsement provides blanket coverage that affords protection for a class of property collectively, such as jewelry insurance coverage, up to a certain amount. This coverage insures against many risks.
Protecting your valuables from loss may be an affordable option depending on your needs. Whether you just need coverage for your jewelry or want insurance for multiple valuables, Family Insurance can help. Contact Family Insurance to discuss your insurance needs today!

Have you ever thought about how much insurance a person should buy?
If you ask the insurance agent, you might be told you should buy as much as you can afford.
If you ask the underwriter, he might tell you that you should buy as much as he will approve.
If you ask the customer, she might tell you that she wants only as much as she really needs (or the law requires, or she can get away with).
If you ask an insurance advertiser… wait. Don’t do that. They don’t know anything but what they’re told, and they give unreliable information anyway. Forget them. Don’t ask them anything. Ever. They came up with cavemen and an emu.
When buying property insurance, it’s complicated, but straightforward, to come up with a value of the property and buy insurance to cover that risk. When buying coverage for damage to their own vehicles, that’s also pretty simple. There aren’t a lot of options, unless there’s something unique about the vehicle.
What about liability exposures? How much insurance is enough? How much is too much? Can a real case be made for minimum liability limits? Is there such a thing as too much insurance?
Insurance needs change over time.
What worked when we were young won’t work when we are in the middle of our working lives, and none of that will work when we reach retirement. 
A younger person who is in college has clearly different insurance needs than a family of four does. The hobby farmer has different needs than the commercial farmer. Over our lives, our insurance needs continue to change. We buy newer cars, our income changes, our career changes, we add to our families, and our family dynamics change.
Insurance is meant to protect our assets.
If you ask 100 people why they buy insurance, you’ll get answers like, “I have to have auto insurance, or they’ll take away my license,” or “my bank made me buy insurance to get a mortgage,” or “my Mom and Dad told me to buy this policy from our family agent”. Those are all terrible reasons to buy insurance.
The number one reason that we buy insurance is that we don’t have the cash on hand to replace the asset covered by the policy. Don’t buy homeowners’ insurance because the bank or your real estate agent tell you to. Buy it because you don’t have the money to replace your house or the things in your house if a Hurricane takes it all into the ocean, or a tornado takes everything into the next county.
If you have a clunker car, do not think you definitely don’t need physical damage coverage for that vehicle. Don’t think that you definitely do need it, either. Give your insurance agent the following information:

• If that car was destroyed, do you have access to cash to replace it, or another vehicle that you can use to replace it?
• If a rock hits the windshield, do you have enough money to replace that windshield?

When you select a deductible, know what it means, why it’s there, and what you need to do because of it. Make sure that you can find the cash to cover the deductible. 

So how do we pick liability limits?
That’s a harder question than anything so far. A house has a tangible value. You can count the amount of wood, blocks, bricks, panes of glass, and other items that go into rebuilding a house. A car has a value that you can calculate. The laptops, televisions, cell phones, and record players in the house all have a specific cost to them.
Liability limits are a bit harder to pin down because we don’t always think about what we’re protecting with it. Liability insurance helps to protect the items that make up the net worth of an individual, a family, or an organization. Liability insurance protects us when we are somehow involved in someone else’s loss or damage. We own the home where they tripped over the skateboard and fell down the stairs. We invited them over to dinner and served those steaks that smelled a little off. We drove the car that created the accident.
The question that most wants answered is how little can I buy and get away with it? The only answer to that is how much risk do you want to take? It is important to keep in mind that once the liability limits are exhausted, or when there is no coverage, the customer can become personally responsible for those damages.
So, the question isn’t usually how little do I need, but what will properly protect me if something happens? In answering that question, it is important to share information with your Insurance Agent. What is your situation? Do you have retirement savings that could be forfeited in the event of a catastrophic liability claim? Do you earn wages that can be garnisheed? Do you have property that can have a judgment lien placed on it? The other side of the coin is worth exploring, too. There are some who don’t make a lot of money. They own next to nothing. They don’t have any savings, property, or other assets. They might be a in position where a judgment means little. A judgment could be entered, but what are they going to get?
Finding the right limit including looking at the assets at risk today, then projecting those assets into the future 3-5 years. Look at the current income and project that into the future 3-5 years. Evaluate your life and project that 3-5 years. That should give everyone a good idea of how much coverage you need.
Some just want the emu policy and to be left alone. Others simply need insurance. They need it simple. They need it inexpensive.
In the end, it’s all about meeting your individual needs and understanding that you might not always know what you  need. So, if you know that you need insurance, but aren't sure exactly what kind or how much you need, give us a call one of our licensed and highly trained insurance agents today at 919-550-8530.

Family Insurance has been helping individuals, families and companies for over 14 years and is located at 50-12 Neuse River Parkway Clayton, NC  27527.