Overbay Insurance Services

10/15/2026

A valuable item can be covered under your homeowners policy and still not be covered for its full value, which catches people off guard more often than you'd expect. Standard homeowners policies typically carry sublimits on categories like jewelry, fine art, furs, and collectibles, so the protection exists but caps out well below the item's actual value.

The gap usually opens after something new comes into the house. Someone buys a watch or a piece of art, or inherits a family heirloom, and the policy never gets updated to reflect it. Scheduling the item or adding a personal floater can give that piece more tailored protection than a standard sublimit allows.

Overbay Insurance Services would rather hear from you when the item arrives than after something happens to it. Contact us at overbayinsurance.com/contact

10/06/2026

Your winter turnover checklist should include more than fresh linens, especially once guest traffic starts to change. There are a few things we'd recommend checking before the cold sets in, including heat settings, plumbing, exterior spigots, the instructions you leave for guests, smoke and carbon monoxide detectors, and your plan for getting someone to the property quickly when you aren't nearby.

Operations change, too. A booking schedule that shifts from frequent guest stays to occasional weekend use is a different risk picture, and it can be a reason to revisit both your property management arrangement and your coverage.

Overbay Insurance Services works with short-term rental owners throughout Western North Carolina, and our team can tell you whether your current policy still matches how the property is being used.

Ask about short-term rental coverage at overbayinsurance.com/personal-insurance/short-term-rental-insurance

10/01/2026

Before you close up the house for the season, there are five items on our list, and they're the same five we go over with secondary-home owners every year.

▪️Drain or protect the water lines
▪️Cover the outdoor spigots
▪️Keep the heat on at a safe setting
▪️Check that monitoring devices are working
▪️Arrange periodic property inspections

A winterization routine is most useful when it runs every season, rather than getting adopted after a loss has already made the case for it. Our team at Overbay Insurance Services can also look at whether your coverage still fits the property.

Learn more about home coverage at overbayinsurance.com/personal-insurance/home-insurance

09/28/2026

The fall is a smart time to take a closer look at your commercial property and address maintenance needs before colder weather creates bigger problems.

Preventive maintenance helps protect your property’s value, reduce safety issues, limit business interruptions, and lower the risk of preventable claims. Swipe for a few maintenance areas to review this season.

We hope you found this list helpful as you prepare your property for the fall. As always, if you have any questions or any needs this season, don’t hesitate to give us a call. Our team is here to help!

09/24/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

07/30/2026

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the table, the time spent with loved ones, and the milestone memories made in between.

It is in these moments that we are reminded what truly matters most, and why protecting it is so important. Life insurance is not about focusing on the worst-case scenario. It is about creating a plan that helps ensure the people you love are supported, no matter what the future holds.

If it has been a while since you reviewed your coverage. Now is a great time to start the conversation. Reach out today to learn more.

07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

07/09/2026

Growth is a good sign for any business, but it can quietly create gaps in your insurance coverage if your policy has not kept up with the changes.

Two areas that can often get overlooked are new equipment purchases and larger contracts.

If your business has invested in new machinery, tools, or technology, those assets may not be reflected in your current property limits. And if you have taken on bigger clients or contracts this year, there may be liability requirements or additional insured endorsements that your existing policy does not already include.

These gaps are worth catching before a loss or a contract dispute brings them to the surface. Give us a call, and we are happy to review your current coverage.

07/08/2026

As we get closer to boating season, our team has been having more conversations with clients who are either getting their boats back in the water or are taking a fresh look at their overall liability protection on the water.

This is a good time of year to revisit boat insurance, especially since more people are getting out and enjoying the water. Swipe for an overview of common boating accidents, liability, and how boat insurance can help.

If it’s been a while since you last reviewed your policy, or if you want to get set up with your own dedicated boat policy, we are happy to help. Feel free to reach out, and we can start the conversation.

07/06/2026

I was recently asked to give a presentation regarding HOA insurance risks to a group of HOAs. This blog post neatly summarizes our discussion.

Discussion of common insurance risks faced by homeowner and condo associations (HOAs) and often overlooked coverage