Kolstad Insurance Services Blog

Delivery Apps, Rideshare, and Pizza Delivery: Getting Your Auto Insurance Right in North Carolina

Delivery Apps, Rideshare, and Pizza Delivery Insurance - NC — If you earn money behind the wheel in North Carolina, your insurance coverage needs to match how you drive. Whether you're running DoorDash deliveries in Jacksonville, driving for Uber, or taking pizza orders for a local restaurant, a…

Nov 6

NC Home Insurance Rates Drop 10-15%. What It Means | Kolstad Insurance Services

After years of watching premiums climb, North Carolina homeowners are finally catching a break. One of our top insurance partners has just announced a 10–15% rate decrease for home insurance policies across the state. — For a homeowner paying $2,000 annually, we're talking about $200-$300 in…

Oct 17

Who's Really On Your Side When It Comes to Insurance?

Who's Really On Your Side When It Comes to Insurance? | Local Independent Insurance Agent — ``` — Here's something most people never think about: when you buy insurance directly from a big company, their "agents" actually work for them, not you. Their goal is to sell more of their company's…

Oct 7

Essential Insurance Tips Every Contractor Needs to Know

Running a successful contracting business means juggling multiple responsibilities, and insurance management often falls to the bottom of the list. But proper insurance practices can save you from costly mistakes, legal headaches, and financial disasters. Here are the critical insurance areas every…

Sep 30

Understanding Your HO3 Homeowner's Policy: A Complete Breakdown

HO3 Home Insurance: What's Covered, What's Not — HO3 Home Insurance: What's Covered, What's Not — Quick Summary: — An HO3 policy is the most common homeowner's insurance in the U.S., offering broad protection for your home and named-peril coverage for personal property. Understanding each section…

Sep 29

NC’s New Auto Insurance Requirements: What the Higher Limits Mean for You

North Carolina's New Auto Insurance Requirements — ``` — North Carolina's New Auto Insurance Requirements — What the Higher Limits Mean for You — ``` Published: September 2025 | Reading time: 3 minutes | Category: Insurance Updates — Starting July 1, 2025, North Carolina implemented significant…

Sep 13