Roper Insurance Services - Blog

Why Permanent Life Insurance Could Be A Smart Long-Term Investment

6/23/2025

When people think of life insurance, they often picture term policies—affordable, straightforward coverage that lasts for a set number of years. But there’s another option that offers lifelong protection and financial benefits beyond the death benefit: permanent life insurance.

While it may come with higher premiums, permanent life insurance could be a smart long-term investment for those seeking financial security, estate planning advantages, and cash value growth. Here’s a closer look at why this type of policy might be right for you.

Hands-On Car Care: The Top 5 DIY Maintenance Essentials

6/16/2025

You don’t have to be a professional mechanic to keep your car running smoothly. In fact, regular do-it-yourself (DIY) car maintenance not only extends the life of your vehicle but also saves you money on costly repairs down the road. By staying on top of a few simple tasks, you can boost your car’s performance, improve safety, and keep it looking great—all from your own garage.

Here are the top 5 DIY car care essentials every vehicle owner should know.

Is Your Home Aging You Financially? Why Age Affects Insurance Costs

6/9/2025

Owning a home is a major milestone—but as your home ages, it may also start costing you more, especially when it comes to homeowners insurance. Many homeowners are surprised to learn that the age of their house plays a significant role in how much they pay for coverage.

If your insurance premiums are creeping up and your home isn’t getting any younger, it may be time to understand how and why older homes often lead to higher insurance costs—and what you can do about it.

Why Comprehensive Auto Insurance Matters More Than You Think

6/2/2025

When most people think of car insurance, they focus on collisions—accidents involving other vehicles or objects. But what if your car gets stolen, damaged by a storm, or hit by a falling tree? That’s where comprehensive auto insurance steps in. While it's often overshadowed by liability and collision coverage, comprehensive insurance can save you thousands in unexpected situations.

Here's why comprehensive coverage matters more than you might realize—and what exactly it protects you from.

Family Ties And Failing Eyes: A Look Into Inherited Eye Conditions

5/26/2025

Vision is one of our most valued senses, yet many of the conditions that impair it can be passed down through generations. From mild issues like nearsightedness to serious diseases such as glaucoma, understanding inherited eye conditions is key to early diagnosis, treatment, and prevention of vision loss.

Let’s take a closer look at the most common hereditary eye disorders—and why knowing your family’s vision history could help save your sight.

Greener Homes, Smarter Coverage: How Energy Improvements Affect Your Insurance

5/19/2025

As more homeowners invest in energy-efficient upgrades—like solar panels, smart thermostats, or ENERGY STAR appliances—they’re not just reducing their utility bills or environmental impact. These green improvements can also influence your home insurance policy, potentially offering benefits, but also introducing new considerations.

Let’s explore how making your home more eco-friendly could affect your coverage, premiums, and protection needs.

Riding For Work? What Motorcycle Insurance Covers For Rideshare And Delivery Drivers

5/16/2025

If you use your motorcycle for more than weekend cruises—say, to deliver food, packages, or transport passengers—you may be surprised to learn that your personal motorcycle insurance may not fully cover you. Whether you're working for Uber Eats, DoorDash, Grubhub, or another gig platform, it’s essential to understand how motorcycle insurance works when you're riding for business.

Driving With A Record: How To Find Insurance As A High-Risk Driver

5/12/2025

Getting car insurance can be challenging when your driving record is less than perfect. Whether it’s due to accidents, DUI charges, traffic violations, or lapses in coverage, being labeled a high-risk driver often means higher premiums and limited options. But the good news is—insurance is still within reach, and there are steps you can take to find the right coverage at a price you can manage.

Shifting Lines, Rising Rates: How Flood Zones Impact Your Insurance

4/28/2025

As climate patterns change and severe weather events become more frequent, flood maps and insurance premiums are also evolving. Homeowners across the U.S. are finding themselves newly added to — or removed from — designated flood zones, often without fully understanding how these shifts impact their insurance coverage and costs.

Whether you're buying a new home, renewing a policy, or reassessing your risk, it's crucial to understand how flood zones and the Federal Emergency Management Agency (FEMA) flood maps can influence your insurance requirements and premiums.

Hosting Guests Or Renters? What Your Homeowners Insurance Really Covers

4/21/2025

Whether you're having family stay for the weekend or renting out your spare room through a platform like Airbnb, opening your home to others can come with unexpected risks. Many homeowners assume their insurance automatically covers all scenarios — but that’s not always the case. Understanding what your homeowners insurance does and doesn’t cover when hosting guests or renters is essential for protecting yourself, your property, and your finances.

Here’s a breakdown of what you need to know.

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Roper Insurance Services
118 E Caswell St
Hendersonville, NC 28792
(828) 697-6709
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