How To Create an Up to Date Home Inventory For Faster Claims

 

Annually, about 358,000 homes experience structural home fires. Regardless of how many safety practices you adopt, there’s a likelihood of fire emanating from your kitchen, heater, or an electrical malfunction. 

In the event of a fire outbreak, can you remember all of your valuables and possession? Maybe you have a photographic memory and can recall where every item you have in your room. With the shock, fear, and stress that the fire would have caused, you will likely not remember it all. That’s where a home inventory can come in handy. 

What is a Home Inventory? 

A home inventory is a breakdown of all your personal properties with their corresponding financial value. 

Creating a home inventory can take from few hours to a day, depending on how long you’ve lived in a place and how thorough you want to be. A home inventory may take time, but it will be a time-saver when a catastrophe occurs.  

For the sake of your Homeowner’s insurance claim, let’s help you get started on creating an updated home inventory; 

Read More To Create an Up-To-Date Home Inventory!!!

We can help you make the most of your Homeowner’s insurance, but it all starts with knowing what you’ve lost. Feel free to reach out to our expert insurance advisors today.

Car Insurance Coverage Explained: What You Really Need

 

Car insurance is more than a legal requirement — it’s financial protection and peace of mind on the road. Whether you’re a new driver or just reviewing your current policy, this guide will help you understand what car insurance covers, how state minimums compare to full coverage, what affects your rate, and why insurance matters (specifically for North Carolina, South Carolina, and Georgia).

What Car Insurance Covers

1. Liability Insurance (Required in NC, SC, and GA)

Bodily Injury Liability: Pays for injuries to others if you’re at fault.

Property Damage Liability: Covers damage to other vehicles or property.

2. Collision Coverage (Optional)

Pays to repair or replace your vehicle after a collision — regardless of fault.

3. Comprehensive Coverage (Optional)

Covers non-collision incidents like theft, fire, vandalism, falling objects, and natural disasters.

4. Uninsured/Underinsured Motorist (UM/UIM) Coverage (Protects you if you’re hit by a driver with little or no insurance)

North Carolina: Required by law (must match your liability limits).

South Carolina & Georgia: Optional, but highly recommended.

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Need help comparing policies or finding the best rate? Contact us and will explore your options today!

Understanding Health Insurance: Your Guide to Smarter Coverage

 

Health insurance is one of the most important tools for managing both your physical and financial health. Whether you’re going to the doctor for a check-up, managing a chronic condition, or dealing with a medical emergency, having the right coverage can save you thousands and give you peace of mind.

Why It Matters:

1. Reduces Medical Costs: Covers most or all of expensive procedures, hospital stays, and prescriptions.

2. Access to Care: Encourages preventive care, early treatment, and better long-term health.

3. Legal Requirement: While there’s no longer a federal penalty for not having coverage, some states have their own rules.

4. Financial Protection: Medical debt is a leading cause of bankruptcy in the U.S.—insurance helps protect you.

Health insurance is more than a monthly bill — it’s an investment in your well-being. Whether you’re picking your first plan or re-evaluating coverage during open enrollment, understanding the basics can help you make confident, informed decisions.

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Need help finding a plan that fits your life and budget? Contact us today and let’s explore your options!!!

E&O Insurance for Professionals: Protect Your Reputation

 

In today’s service-driven world, even the most skilled professionals can make mistakes. That’s where Errors and Omissions (E&O) insurance comes in — offering protection when your advice, services, or work lead to financial loss for a client. Whether you’re a consultant, a real estate agent, or a creative freelancer, E&O coverage could be the safety net your business needs.

Who Needs E&O Insurance?

E&O insurance is essential for any professional who provides advice, services, or expertise. Common industries include:

1. Consultants/Businesses Coaches: Business, IT, HR, or marketing consultants offering strategic guidance and implementation plans.

2. Real Estate Agents & Brokers: Handling contracts, disclosures, and transactions that could result in claims of oversight or misinformation.

3. Financial Advisors & Accountants: Providing investment, tax, or financial planning advice that could impact clients’ money.

4. Legal Professionals: Paralegals, notaries, and legal consultants who may face claims for missed deadlines or incorrect filings.

5. Creative Professionals: Designers, copywriters, and photographers whose work or deliverables may lead to client disputes or unmet expectations.

6. Healthcare & Wellness Practitioners: Therapists, life coaches, and fitness trainers who offer guidance that could be seen as professionally negligent.

E&O insurance offers peace of mind. One mistake or misunderstanding could lead to a costly lawsuit — and without the right coverage, your business and personal assets could be at risk.

Need help picking the right insurance? Our team is here to help — contact us here and we’ll walk you through it!!!

Why General Liability Insurance Is a Must

 

Starting a business is exciting, but it also comes with risks. If you meet with clients, rent office space, or sell products, one accident or lawsuit could cost you a lot of money. That’s where general liability insurance helps.

This guide explains what general liability covers, why you need it, what it doesn’t cover, and how to find affordable protection for your new business.

What General Liability Insurance Covers

General liability insurance protects your business from common problems that can happen with other people (not your employees). Here’s what it usually includes:

1. Bodily Injury:

If someone gets hurt at your business or because of your services, this insurance helps pay for their medical bills and legal costs.

2. Property Damage:

If your business accidentally breaks or damages someone else’s things (like a laptop or office furniture), this coverage helps pay to fix or replace it.

3. Legal Defense:

If someone sues your business — even if you didn’t do anything wrong — this insurance helps cover the cost of a lawyer, court fees, and settlements.

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Even if your startup is small, one accident or lawsuit can cause big problems. General liability insurance protects you from the most common and expensive risks — and it’s often cheaper than you think.

CONTACT US for more information!!!

What Every Homeowner Should Know

 

Whether you’re buying your first home or you’ve owned one for years, it’s important to understand home insurance. It helps protect your home and belongings if something unexpected happens—like a fire, storm, theft, or if someone gets hurt on your property.

Here’s a simple guide to help you learn the basics.

What Does Home Insurance Cover? A regular home insurance policy usually includes:

1. Dwelling Coverage – Pays to fix or rebuild your house if it’s damaged, including things like the walls, roof, and built-in appliances.

2. Personal Property Coverage – Covers your things, like furniture, clothes, and electronics, if they’re stolen or damaged.

3. Liability Protection – Helps pay for legal costs or medical bills if someone gets hurt on your property and it’s your fault.

4. Loss of Use – Pays for you to live somewhere else (like a hotel or rental) if your home can’t be lived in because of damage.

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Need help picking the right home insurance? Our team is here to help — CONTACT US and we’ll walk you through it.

How To Best Maintain Your Vehicle

 

The average age of vehicles on the road is about 8 years and 14 years at scrappage. At Tillman Insurance Advisors, we are interested in how to best maintain your vehicle to keep it on the roads for a longer period.  

Your vehicle is a machine, and a machine requires regular maintenance to keep running. You can keep it on the road for close to 500,000 miles by properly maintaining your vehicle. 

Your vehicle can be a pain in the neck without proper maintenance. Knowing how to best maintain your vehicle will help you avoid regular visits to mechanical workshops.  

That being said, there are some ways to make sure breakdowns are reduced to a minimum with your vehicles; Read more...

If you have questions or concerns, you can reach out to us at Tillman Insurance Advisors. There is always someone ready to address your worries.