Choosing an insurance plan can be challenging given the number of providers, products, and options available in today’s insurance market. We are insurance experts. Let us use our knowledge and experience to find a solution that will fit your needs and your budget.
Even if your insurance needs are complicated by points on your driving record or recent issues with your credit report, we can find affordable rates to keep you safely and legally driving in North Carolina. Don't hesitate to come to us, even if you've had DUIs. We don't judge. Everyone should get a second chance. Let us help to keep you legally on the road so you can continue to travel to and from your job or school without worry.
Homeowners and Renters
Make sure your biggest asset is covered from losses due to fire, theft, or damaging storms. We cover both stick-built and manufactured homes. Even if you are an apartment or home renter, you need coverage for your belongings. Your landlord would not be responsible for any loss of your belongings due to fire, theft, or storms. Renters insurance is as low as $10 a month.
Your health needs and personal preferences determine how we build your custom health insurance plan. Your feelings on co-pays vs. pay per visit, high or low deductible amounts, and maximum yearly expenditures are a starting point for developing your plan. We also consider factors as varied as what medicines you need each month to possible penalties for not having coverage and can even help you to navigate the new laws regarding health insurance both on and off the Marketplace.
Disability (long-term and short-term)
Short and long-term disability insurance is used to replace a percentage of income lost due to an illness or injury that prevents you from working. Should you have short and/or long-term disability insurance? For most of us the answer is yes. Unless you are able to maintain your current lifestyle without earning an income you should have short and long-term disability insurance. Many hard-working people are one paycheck away from disaster; don't let that be you.
Good dental health is essential to good all around health. Recent studies have linked gum disease and heart disease. Having basic and preventative coverage helps get you access to regular care and in most cases save you money on common procedures. Insure your smile!
Long term care is round-the-clock assisting with the activities of daily living and can be required following an accident, illness or cognitive impairment such as Alzheimer’s. It can be provided in one’s home, an adult day care facility, a nursing facility or rest home. There are several levels of care and the chance of needing this type of care is increasing each year due to the aging population, advances in medical technology, and the increased incidence of chronic illnesses and diseases. Along with the increasing percentage of individuals needing long term care the costs associated are increasing with each passing year. Protect yourself and loved ones from the financial burden that a long term care scenario can cause.