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Home Insurance

Home is the place you raise your children, hold special family gatherings, where you long to be after a long day at work, and where your grandchildren will visit one day. Home is the place you create so many of your life’s memories. 

For most people, home is also your biggest financial investment. You want to be sure that you have the right insurance to protect it. 

We understand how important your home is. We want to help give you peace of mind that your home is protected.  

raleigh home insurance agent

Our Home Insurance Policies cover the following:

 

  • Personal liability coverage for yourself and family members living in the home
  • Liability coverage for guests who are injured in the home
  • Additional living expenses to help if you can no longer live in your home due to a covered loss
  • Coverage to pay for home repairs or replacement following a covered loss
  • In addition to your home and family, personal property such as jewelry, collectibles, furniture, appliances, clothing, and more are covered with home insurance.

Home Insurance protects your home against lightning, storms, sleet and snow, wind, fire, theft, vandalism, smoke, aircraft and vehicles, water, and more. 

We also offer specialized home insurance options. 

Let us help protect your home and belongings. We can find a policy at a great price that will make you feel at ease. 

Auto Insurance

A car accident brings enough stress on its own. You don’t need to worry about how you’ll pay for the repairs, medical expenses, or how you’ll get around when your car is in the repair shop.

Having reliable auto insurance will help reduce the stress that you deal with after an accident. Auto Insurance policies can cover the repairs to your vehicle or another vehicle involved in the crash, medical expenses to you, the other driver, and passengers and it can help pay for a rental car so you will still be able to get to where you need to be. 

Auto insurance does more than just give you peace of mind by protecting your vehicle and passengers, it’s also the law. All states require some type of auto insurance for your vehicle to protect, not only you but other motorists, as well.

We have several affordable options to help protect you, your passengers, and your vehicle. 

We will work with you to make sure you have auto insurance that best fits your wallet and your circumstances. 

auto insurance wreck

You can choose between a variety of limit amounts, deductibles, and coverage.

Some of our policies include:

  • Collision Insurance
  • Towing and Roadside Assistance
  • Comprehensive Coverage for Non-Crash Related Damage
  • No-Fault Medical Coverage or PIP (Personal Injury Protection)
  • Rental Reimbursement

Call us today and we will make sure you get an affordable rate for the coverage you need!

Umbrella Insurance Coverage

What is your peace of mind worth? To feel completely secure about protecting your assets, you might need an extra level of protection. That extra protection can be provided by an umbrella insurance policy.

An Umbrella Policy provides additional liability protection. If the limits on your home, auto or other insurance policy are exhausted, umbrella insurance takes over and gives you the extra protection you need.

Knowing you are covered, is worth the minimal cost.

Imagine what would happen if there was an accident at your rental property or if a fire at your home spread to homes nearby. If these things happened, your current liability limits might not be enough to protect your assets or future earnings. 

When the liability limits on your home, auto and other policies are exhausted, your umbrella policy takes over and provides another layer of protection. 

An umbrella insurance policy will also pay some claims that are not covered by your home or auto insurance. The umbrella insurance policy will cover you, your spouse, and all family members living in your home. Legal defense fees will also be covered by your umbrella insurance policy.

The right coverage is different for each person or family. Talk to us today and we can help determine the right amount of coverage for you.

Flood Insurance

Did you know that neither homeowner’s insurance nor business property insurance will cover flood damage? This can leave property owners open to a huge risk. 

Floods don’t just happen on coasts. They happen anywhere it rains. Floods are the nation’s most common and costly natural disaster. More than 20% of floods happen outside of the high-risk flood zone.

There are different types of flood insurance coverage. 

    Building Coverage Includes:

      • The Insured Building
      • Most large or built-in appliances
      • Electrical and Plumbing Systems
      • HVAC Equipment and Plumbing Systems
      • Carpeting permanently installed

      Contents Coverage Includes:

        • Washers and Dryers
        • Carpeting not covered by building coverage
        • Clothing
        • Furniture and Electronic Equipment
        • Microwaves and Dishwashers
        • Windows Coverings

      Property owners should carry both forms of flood insurance. Renters would only need to have contents coverage while landlords would need building coverage. 

      Don’t allow your home and other property to be exposed to the risk of flood damage. If you have questions about flood insurance, contact us.  We can help you get affordable flood insurance today. 

      Specialty Insurance

      You may understand the most basic insurance policies such as home, auto, etc. but you may not realize that sometimes coverage needed goes beyond what those policies cover. 

      Specialty insurance is insurance that can be obtained for items or events that are unique and are considered special circumstances. The items that would fall into the specialty insurance category aren’t usually covered by standard insurance policies. 

      Think about the items you own that aren’t covered by your insurance policies. There might be cars that aren’t covered by your auto insurance. Or you may own a boat that isn’t covered by your home insurance.

      motorcycle insurance

      Types of Specialty Insurance Include:

        • Classic Car Insurance
        • ATV Insurance
        • Motorcycle Insurance
        • Boat Insurance
        • RV Insurance
        • Flood Insurance
        • High-Value Home Insurance
        • Rental Insurance

      Specialty Insurance can also cover things like pets, mobile homes, identity theft, travel, and personal possessions like jewelry. 

      If your one-of-a-kind car, motorcycle, or home was destroyed or stolen, it would be devastating. But it would be even more devastating to find out that it wasn’t covered by your insurance policy.

      You can also choose to purchase specialty insurance for an event you are having such as a concert, parade, or protest.

      We can help with everything important to you. Call us today and we can make sure that your special and unique possessions are fully covered.

      Get an Insurance Quote Today

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      Life Insurance

      There are very few things in life that are certain. You may not be here to care for your family for as long as you hope. Make sure that they are cared for in the event of your death. 

      Everyone needs life insurance. The amount of life insurance you need can vary. 

      Life insurance coverage should be enough to pay off debt and to cover funeral expenses. People with families, mortgages, and other responsibilities need to have more coverage. 

      There are two primary types of insurance:

        • Term Life Insurance- provides a death benefit only for a set time period.
        • Universal Life Insurance- has no expiration date and will provide a death benefit at any time of death if the policy conditions have been met.

      Life insurance policies should be reviewed regularly because life is always changing. During your policy review, we can help make sure your current coverage is enough to pay your obligations and help your loved ones in the event of your untimely death. 

      No one wants to think about death but making sure your family is taken care of should be one of your top priorities. Don’t gamble with their future. 

      Give us a call today and we can make sure they are covered and taken care of.

      business insurance

      Business Insurance Coverage

      All small business owners should have small business insurance. You’ve worked hard to build your business, now you must protect it. 

      Small business insurance can help cover damage and lawsuits from accidents, professional errors, natural disasters, worker’s compensation claims, and more. It can also help protect your company’s property and income and can help safeguard you against liability claims. 

      Partnership Protection Insurance

      One type of small business insurance you may need is partnership protection which will help protect your partnership should one partner pass away. It will help determine whether the surviving spouse will take over the deceased person’s share or if the partnership is dissolved upon the death of one partner. 

      Key Person Insurance

      Key Person Insurance is another type of small business insurance that you may need, in case of the death of a key person in a small company. 

      There are many different reasons that you would need small business insurance. You want to make sure that you are covered and insured in any situation, no matter what arises. 

      We can help you get the right policy for you today.