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NC DMV Points vs. Insurance Points: The 2026 Ultimate Comparison 🚦

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NC DMV Points vs. Insurance Points: 2026 Comparison Table The Quick Answer: They Are Not The Same NC DMV Points count toward suspending your driver's license (12 points in 3 years = suspension). Insurance Points (SDIP) determine how much extra you pay for coverage. A single ticket often creates points on both systems, but Insurance Points hit your wallet immediately—potentially raising rates by 340% under current 2026 NC laws. Share this guide: Share Post Email Copy Link Jump to section: The Two Systems The Real Cost 2026 Data Table How To Fix It ...
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$10,000 Cash Stolen? What NC Insurance Actually Covers 💸

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If $10,000 cash is stolen from my NC home, how much does insurance actually cover? THE HARD TRUTH: In North Carolina, standard homeowners policies have a "Special Limit of Liability" for cash, usually capped at $200 . Unless you specifically endorsed your policy for higher limits, you would lose $9,800. Share Post Email Copy Link 1. The $200 Limit 2. Risk vs Coverage 3. Proof of Loss 4. How to Protect Cash Key Takeaways Standard NC Home Insurance (HO-3) treats cash differently than furniture. Deductibles often exceed the coverage limit, meaning you get a $0 payout . Bank withdrawal slips prove you had the money, not that it was stolen . Bill Layne Insurance r...
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Location: North Carolina, USA
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Does NC Homeowners Insurance Cover Home Office Gear? 💻

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Does NC Homeowners Insurance Cover Home Office Equipment? (The Short Answer Is No) THE FAST ANSWER No, a standard NC homeowners policy (HO-3) typically provides very limited coverage for "business property." Most policies cap this at $2,500 for equipment kept inside the home and as little as $500 for items away from home. If you run a business in Elkin or Surry County, your $5,000 laser engraver or $3,000 server is likely unprotected without a specific business endorsement. Share Post Email Copy Table of Contents 1. The "Hidden Limit" Trap in NC Policies 2. Liability: The Risk Your Homeowners Policy Won't Touch 3. Understanding NC Endorsements vs. Business Policies 4. How 2026 Regulations Change Your Coverage Quick Takeaways Standard NC HO-3 policies cap business property at $2,500. Business liability is almost always e...
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Location: North Carolina, USA
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