1. Why should I buy homeowners insurance?

To protect the average family's largest investment. When properly insured, homeowners' policies protect you and your family, your structure, personal property, provide personal liability coverage and many other great features.

2.How should I estimate the value of my home?

Our insurance agency utilizes a state of the art "replacement cost" estimator to ensure that in the event of loss, your home is replaced with new materials at a current valuation. Our insurance advisors and carriers properly insure your home, so you don't have to worry about the value of your home.

3. What would it cost to replace the contents or personal belongings of my home?

This typically depends on the customer but can be tailored accordingly. Our Insurance Advisors carefully assess your personal contents and suggest insurance limits based on your needs. A typical standard to start is around 75% of your Coverage A limit - or the amount in which your main structure is estimated for replacement cost.

4. What is a deductible?

A deductible is commonly referred to as the out of pocket expense or "deduction" from your claim payment. If you have a $500 deductible and have a $5000 claim payment from a covered loss, the loss payee would receive $4,500. A deductible is a self-insured retention and the deductible amounts offered may vary depending on the carrier and type of insurance.

5. What are the different types of home insurance deductible options?

Typically, homeowners' deductibles begin at $1000. Depending on the carrier, type of risk and policy, deductible options may range from $500 - $10,000, or more. For some risks, such as coastal areas, deductibles may reflect a "name storm peril deductible" which is shown as a percentage of the structure in the event of a named storm i.e. hurricane.

6. How do I know what deductible applies to my policy?

Your declarations pages illustrate your selected deductibles. Deductibles can vary from individual coverages, to endorsements, and typically are different depending on the line of insurance and type of policy.

7. How much auto insurance do I need?

a. Depending on whether you need first party coverage, third party coverage, or both - will greatly change the amount of insurance you need,

b. There are always situations and risks that could result in a loss greater than any policy limit available with regards to liability. We all live in a very litigious legal environment, so we always suggest more coverage than less.

c. With auto insurance you typically have first party and third part coverages. First party typically applies to the physical damage to you or you covered auto(s), where third party coverage protects "third parties" from your negligence. Depending on your financial stability, the presence of a lienholder or loss payee, and your risk tolerance, our agents can help find the right limits and coverages for you.

8. How much auto insurance does my state require?

We write and sell insurance in more than one state. Every state has different insurance laws, provisions, and insurance requirements. In NC - you are required to carry 30/60/25 in liability coverage whereas SC requires you to carry 25/50/25. These limits change with time and may vary depending on the state's DOI (Department of Insurance).

9. What can I do to lower my auto insurance costs?

You get what you pay for. If you want to lower your insurance costs you either need to reduce your coverage, lower your deductibles and limits, or reduce the quality of the carrier. We write and sell many different insurance carriers, some have better service than others regarding claims, billing, and underwriting, all of which can be tailored to the needs of our insured.

10. Why do car insurance premiums change?

There are variety of reasons that cause insurance premiums to change. The cost of a gallon of gas, milk, power, water, all gross domestic products change in price due to inflation and other economic reasons. Insurance premiums also fluctuate depending on the nature and assessment of risk(s), experience, claims history, credit, the market in which your risk is insured, cost of repairs or replacement, acts of god (uncontrollable causes of loss - think weather related events), regulatory cost, overhead expense, cost of claim payments, case law, litigation, and many other factors.

11. Who needs life insurance?

Everyone needs life insurance. Life insurance serves many different needs from estate planning, building a legacy, paying for death benefits and funeral costs, debt obligations, key-man or transferal of assets, to many other functions.

12. How much life insurance do I need?

Death benefits in life insurance all depend on the customer in question. We have very experienced and qualified life associates that can tailor this depending on customer need! There are many types of life insurance all of which provide different features.

13. Who can take out a policy on my life?

Anyone who has insurable interest in your life. You may transfer the rights of a policy with the correct endorsements without insurable interest. There are many different life products that fit a variety of needs, all depending on the customer.