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Get Important Liability Coverage With Umbrella Insurance

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When you have home and auto insurance, you may believe that you have all of the liability coverage you need. However, that is often far from the truth. Most people need more liability coverage, and you can get that from umbrella insurance. Umbrella insurance is a way to add more of this coverage easily and inexpensively. This is a popular type of insurance because it gives so much coverage in a world where the cost of accidents is always going up. To get your umbrella policy, call us at Wayne Realty & Insurance Co ,Inc. serving Goldsboro, NC.

Liability Coverage for Multiple Policies

When you get umbrella insurance, it doesn’t just add this coverage onto one policy. It adds this coverage onto two existing policies at the same time. If you have home and auto insurance policies, there will be some liability coverage in each. However, it’s rarely enough for an expensive accident. When you add umbrella insurance onto these policies, you get an enormous amount of coverage for less than it would cost to add it to the two policies separately. It leaves you in a better place in case of serious accidents at home or with your vehicle. 

Medical and Other Costs

After an accident, there may be a lot of costs that come due. These include the medical costs of treatments for injuries. It may also include therapies for ongoing health problems. It may even include the lost wages of the person who was injured. Without enough liability coverage, all of these costs would be up to you to pay out of pocket. Always keep enough liability coverage to avoid this situation. 

Get Umbrella Insurance 

To get your umbrella policy so that you’re better protected, call us at Wayne Realty & Insurance Co Inc., serving Goldsboro, NC.

Winter Freeze Risks: How Property Insurance Protects Goldsboro Homes and Businesses

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Let’s face it. Goldsboro doesn’t need a blizzard to cause damage.

All it takes is one sudden cold snap. A dip in temperature, a gust of arctic air, and there it is: pipes burst, gutters split, and floors soak through before sunrise. For homes and businesses in Goldsboro, NC, winter freeze risks come fast, quietly, and are expensive.

That’s why you shouldn’t just prep the thermostat. You need to review your property insurance first.

The Risk You Don’t See Until It’s Too Late

The truth is, frozen pipes are silent disasters. You won’t hear the crack; you’ll only see the aftermath: sagging ceilings, ruined stock, and waterlogged walls. But don’t forget the lost business hours or hotel stays if the damage forces you out.

Here’s the catch: not every property insurance policy covers winter-related losses by default. Many require that heat is maintained at all times. Others expect proof that you took “reasonable precautions,” whatever that means. Miss one of those fine-print details, and you could be out thousands of dollars.

Wayne Realty & Insurance Co. Inc. helps Goldsboro property owners identify these blind spots before the freeze hits.

Ice Doesn’t Care If You’re Residential or Commercial

Homes, shops, offices—winter doesn’t discriminate. An unheated back room or a drafty crawl space is all it takes. Businesses face an added layer of risk: product loss, equipment damage, downtime, and possibly even liability.

Property insurance should do more than cover broken items. It should cover the interruption, the cleanup, and the rebuild. If your policy doesn’t, now is the time to make a change.

Don’t Let a Cold Snap Cripple You

Insurance isn’t just about risk; it’s about timing. By the time the pipes thaw, it’s already too late. At Wayne Realty & Insurance Co Inc., we help Goldsboro, NC residents fine-tune their coverage so winter doesn’t catch them off guard.

The freeze doesn’t send a warning. Let’s get your coverage ready now. Call Wayne Realty & Insurance Co. Inc. in Goldsboro, NC, to make sure your property insurance can handle the cold.

How Car Maintenance Plays a Role When It Comes to Auto Insurance

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Auto insurance is something most drivers know they need, but not everyone realizes how much their car’s condition can influence their coverage. At Wayne Realty & Insurance Co Inc. in Goldsboro, NC, we’ve talked with plenty of drivers who don’t make the connection between regular maintenance and their auto insurance. The truth is, keeping your vehicle in good shape can benefit you in more ways than one.

Why Maintenance Matters More Than You Think

When your car is maintained correctly, it’s safer to drive. That means fewer chances of accidents caused by mechanical failures. Think about how dangerous driving can be with worn-out brakes or tires with no tread. Insurance companies pay attention to that kind of risk. A well-maintained vehicle shows you’re taking responsibility, and that can have a positive effect on your insurance profile.

Your Claim Could Depend on Your Car’s Condition

If you ever need to file a claim, the condition of your vehicle might come into play. For example, if it turns out that faulty brakes contributed to an accident, and you haven’t had them checked in years, that could delay or even reduce your payout. Insurance is there to help you recover from the unexpected, but it also relies on you doing your part to prevent avoidable problems.

Taking Care of Your Car Is Just Smart

Regular oil changes, brake checks, and tire rotations help extend the life of your car and keep you safer behind the wheel.

Wayne Realty & Insurance Co., Inc. in Goldsboro, NC, is here to help you make the most of your auto coverage. If you have questions or want to review your policy, call today. Feeling secure starts with smart car care.

Is Group Health Insurance Right for Your Company?

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Providing your employees with health insurance is a powerful way to improve employee retention, satisfaction, and overall morale. However, as a business owner, the biggest challenge lies in choosing between group health insurance and individual health insurance. Why might you opt for group health insurance? Here are some of the benefits of group health insurance and why it might be the right fit for your company. If you’re ready to start exploring group health insurance options, Wayne Realty & Insurance Co., Inc. in Goldsboro, NC, is here to help.

The Benefits of Group Health Insurance

Group health insurance offers several advantages, including lower premiums, simplified coverage for employees, tax benefits, and better overall rates. Individual health insurance is often more expensive and can be more complex to manage, especially for small business owners who may not have the resources to oversee individual healthcare plans for a larger group of employees. Group health insurance is an excellent choice for smaller businesses, allowing you to support your employees while reducing costs and streamlining the management of their healthcare needs.

Discover Group Health Insurance With Wayne Realty & Insurance

If this is your first time shopping for group health insurance, we’re here to make the process simple! Wayne Realty & Insurance Co. Inc. in Goldsboro, NC, helps you explore all available group healthcare options and compare them to ensure your employees receive the coverage they deserve. Getting started is easy—compare quotes with us today. Have questions? Our friendly staff is always ready to assist you in any way we can!

Commercial Insurance and Your Home Bakery Business

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Running a home bakery in North Carolina can be a rewarding way to turn your passion for baking into real income. But even small, home-based businesses come with risks that a typical homeowners policy might not fully cover. That’s where commercial insurance through Wayne Realty & Insurance Co., Inc., serving Goldsboro, NC, becomes an integral part of protecting both your business and personal finances.

Why Home Insurance Isn’t Enough

Many home bakers assume their standard homeowners’ policy will cover accidents or damages linked to their business. In reality, most homeowners’ policies exclude claims related to business activities. If a customer slips on your front step while picking up an order, or if a kitchen fire damages equipment used for your bakery, your insurer could deny the claim because it’s tied to business operations.

How Commercial Insurance Helps

Commercial general liability insurance is specifically designed for situations like these. It can help cover medical costs or legal fees if someone is injured due to your business. If you’re selling at local farmers markets or events, some venues even require proof of this kind of coverage before you can set up a booth.

You may also want to consider business property coverage, which helps protect specialized equipment or inventory that wouldn’t be fully reimbursed under a standard homeowners policy. For example, if a power outage spoils your refrigerated cakes, a tailored commercial policy could help absorb that loss.

Safeguard Your Business and Peace of Mind

Your home bakery may be small, but it’s still a business—and worth protecting like one. Talking with an insurance agent at Wayne Realty & Insurance Co., Inc., which serves Goldsboro, NC, and understands both local regulations and the unique risks associated with food-based businesses, can help you choose the right policies. With proper coverage in place, you can keep your focus on perfecting recipes and delighting customers, knowing you’re protected if something goes wrong.

How Umbrella Insurance Provides Extra Protection from Life’s Unexpected Events in Goldsboro

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Residents of Goldsboro, NC, enjoy a small-town lifestyle with access to amenities found in larger, bustling cities. Learn how some Goldsboro residents protect their most prized possessions and dwellings with umbrella insurance from the experts at Wayne Realty & Insurance.

What is Umbrella Insurance, and Why Do Goldsboro, NC, Residents Need It? 

Regardless of how serene and close-knit the environment is, no neighborhood is immune to the negative effects or financial damage resulting from personal and property crimes, including theft, vandalism, and property damage. Locals also face the potential threat of financial losses resulting from the aftermath of natural disasters. 

Umbrella insurance is a specialized type of insurance that functions as an add-on to existing home and auto insurance policies. This add-on insurance acts as a safety net, helping to shield your finances from the devastating losses and fallout that can occur when unexpected life events happen. 

This catch-all insurance extends the limits of your existing insurance policies. Investing in umbrella insurance means greater peace of mind when policyholders know the limits of their current home, auto, or commercial policy are extended beyond their usual limits. 

If you want to extend the financial limits of your existing policies, reduce your potential liability, and protect your income and assets from loss, investing in an umbrella insurance policy in Goldsboro could be the right next move for you. 

The best way to learn if you would benefit from having an umbrella insurance extension added to your home, auto, commercial, renters, or business insurance policies is to contact a trusted local agent and request an existing policy review.

Trusted local insurance agents at Wayne Realty & Insurance can help answer your questions about umbrella insurance, determine the amount of coverage you need to add on to existing policies, and provide you with an umbrella insurance quote when you contact our offices today!  

How Group Coverage Boosts Employee Retention

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One of the most significant challenges for any business is attracting and retaining top talent. In Goldsboro, NC, more companies are leveraging group coverage to retain valuable employees. At Wayne Realty & Insurance, we’ve witnessed firsthand how the right benefits package can enhance satisfaction and stability within the workplace. Here are a few reasons why.

Cultivating a Culture of Care

Employees feel valued and supported when their healthcare is taken care of. Group coverage communicates that their employer cares not just about their productivity, but about them as individuals. This sense of support builds loyalty and cultivates a culture where people want to stay and grow.

Encouraging Work-Life Balance

Group coverage can benefit employees in several ways. Firstly, it helps them stay on top of preventative care, manage chronic conditions, and care for their families without unnecessary stress. With the right coverage in place, team members are more likely to maintain a healthy work-life balance. Your company can thrive with improved employee morale, attendance, and overall positive atmosphere.

Establishing Trust and Stability

Finally, it’s crucial to trust the company you work for. It becomes evident that the organization is invested in long-term relationships, not just short-term results. This commitment goes a long way in a close-knit community like Goldsboro, NC, where reputation matters.

A Local Partner You Can Rely On

Wayne Realty & Insurance assists businesses in designing customized group coverage plans that reflect their values and meet their employees’ needs. If your goal is to improve retention and build a healthier workplace culture, we’re here to guide you every step of the way. Contact us for more information.

What Does Commercial Liability Insurance Cover?

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If you’ve recently established a business in Goldsboro, NC, general liability insurance is one of the most crucial ways to safeguard your company and its profits. A general liability policy is often part of a business owner’s policy that bundles various types of protection based on your requirements. Wayne Realty & Insurance Co., Inc. can clarify how general liability insurance operates and what level of protection is most suitable for you.

Understanding Commercial Liability Insurance

Commercial liability insurance shields your company from financial loss when someone files a lawsuit alleging bodily injury, property damage, injuries, or misrepresentation caused by your products or services. Experts regard commercial liability as a vital type of insurance for all businesses.

These policies cover payments for the following:

  • Medical expenses, lost wages, and other damages resulting from injuries
  • Repairs or replacement of damaged property
  • Payment for defamation, copyright infringement, and similar claims
  • Legal defense costs

Additionally, general liability can cover damages to property at other locations if your company or employees caused it.

The Importance of Liability Insurance Coverage

Without one of these policies, you would have to pay for these claims out of pocket. However, beyond that primary consideration, many business contracts, especially those with government entities or larger companies, require companies to have liability insurance before finalizing their agreement. Liability insurance can enhance your reputation, especially if your operation is new. When customers know you have liability insurance, they understand that you are financially responsible for your actions and won’t leave them to deal with unexpected mishaps. Most importantly, this coverage provides you with reassurance, knowing you have protection if someone sues you.

Protecting your business is straightforward when you work with Wayne Realty & Insurance Co Inc., serving Goldsboro, NC. Contact our office today to schedule a consultation.

Top Three Perils that Damage North Carolina Homes

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At Wayne Realty & Insurance Co Inc., we understand the importance each Goldsboro, NC, resident places on their home. That’s why we offer home insurance with multiple coverage levels. Our coverage offers protection against perils, from the 15 most common nationally to anything that could happen.

Protection Against Common Perils

Our property insurance offers coverage levels, such as open perils, if a policyholder wants comprehensive coverage against all types of hazards. Knowing which perils occur most frequently can help a person to buy appropriate property coverage. This may mean upgrading to open perils from named perils coverage.

In North Carolina, the mild climate enjoys four seasons. During spring, summer, fall, and winter, many weather events can occur that insurance classifies as a peril. According to Ready NC, these weather events include:

  • Tornadoes
  • Floods
  • Hurricanes
  • Lightning strikes
  • Snow
  • Ice storms

The effects of these natural hazards vary, but they commonly cause power outages, disrupt water and food supplies, and damage property.

Top Three Perils in North Carolina

According to the North Carolina Employment Security Commission, the three natural hazards affecting the state most frequently include:

  • Hurricanes
  • Floods
  • Tornadoes

To mitigate the risk of property damage from one of these three commonly occurring hazards, ensure that your homeowner’s insurance covers hurricanes and tornadoes, and ask us about flood insurance.

Schedule Your Home Insurance Review Today

Call or email Wayne Realty & Insurance Co Inc. today to schedule your home insurance review. Before the seasons change, make sure your Goldsboro, NC, home enjoys the homeowner’s insurance protection it needs.

Insurance Coverage for A Vacation Home

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Are you or someone else planning to occupy your vacation home soon? Ensuring you have the appropriate amount of home insurance coverage can protect you in the event of an accident, criminal activity, or natural disaster.

Liability Coverage

Residential liability coverage offers protection if an accident occurs within your vacation home. This type of insurance can safeguard against injuries and physical damage that occur inside your vacation home.

Liability coverage can also protect against incidents that occur on the residential property where your vacation home is located. It will cover incidents that result in a lawsuit against you.

For example, if a guest slips and falls in your vacation home, the coverage may handle legal costs, medical expenses, and other costs directly resulting from the accident.

Protection Against Criminal Activity

Your home insurance policy can cover the structural materials of your vacation home as well as the furnishings and decor inside it. Property insurance will protect against unexpected criminal activity that results in damage to your vacation home or its contents.

Coverage for Natural Disasters

Your home insurance policy can include coverage against natural disasters. If your vacation home is damaged during a natural disaster, the coverage can be applied to the repair costs needed to restore it.

The type of natural disaster coverage you obtain should match the weather patterns in the region where your vacation home is located.

Contact an Agent from Wayne Realty & Insurance Co. Inc.

Please schedule an appointment to speak to one of our agents serving Goldsboro, NC. They will advise you on the insurance coverage needed for your vacation home.