Personal Insurance

Protecting your home, your family, and your future often comes down to coverage for yourself, your assets, and your loved ones. We offer a variety of insurance types and carriers. We have the knowledge and experience to make certain you get the best coverage for the best value.

Auto Insurance

Auto insurance is required by law in most states. If you are in an accident, auto coverage helps pay for covered losses, such as medical bills, damage to property, or vehicles



Homeowners

Homeowners insurance provides coverage to repair or replace your home and its contents in the event of damage resulting from a covered peril or if someone is injured in your home.



Life Insurance

In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.


Renters Insurance

Like homeowners, renters insurance covers your personal property, pays for hotel and meals if disaster forces you out of your home, and can pay if others are injured in your home.



Personal Property

Personal property coverage can cover your belongings, such as furniture, clothing, sporting goods, art, jewelry, or electronics in the event of a covered loss – whether they get damaged at your home, apartment or anywhere in the world.

Personal Umbrella

Personal liability umbrella policies cover costs that exceed your other liability coverage limits. A PLUP increases protection limits for multiple policy types, such as your auto and home liability policies.


Secondary Home

Homeowners insurance for secondary homes contains the same coverage as primary home insurance. But special attention should be paid if the home will ever be used as a rental. Banks and insurers both need to list the property correctly.

Auxiliary Dwelling Units

ADUs and tiny homes require special attention. These dwellings may be covered with your primary homeowner's insurance, but there are many factors to consider. Ordinances, zoning, use, and insurance all go hand-in-hand.


Condo Owners

Condo owners insurance is designed to protect your personal belongings, the interior of your condo, and your personal liability. A master policy refers to the condo association's insurance policy that protects the structure of the building.

Boats and Watercraft

Boat insurance may include motorboats, houseboats, sailboats, personal watercrafts, or even a submarine. Like auto, the property, the vessel, and the liability are all available coverages.


Motorcycle, RV, ORV

Motorcycle insurance, recreational vehicle, and off-road vehicle insurance all have similar coverage to auto insurance. And like auto, motorcycle insurance is required in nearly every state. Banks may require insurance on RVs or ORVs as well.

Classic Cars and Boats

Classic car insurance and classic boat insurance are available for older vehicles and vessels. Coverage usually expects that the vehicles and vessels will be used only occasionally but include coverage specific to the use.


Flood Insurance

Personal flood insurance helps protect your home and its contents in the event of a flood. Flood coverage is not typically included in a homeowners insurance policy and could be required by your lender.


Earthquake Insurance

There is no exclusive earthquake insurance policy to cover risks from earthquakes, but coverage may be available through an endorsement.



Special Event Insurance

Special event insurance is a policy that helps protect your investment in a specific event, such as a wedding. It may cover costs if you must cancel or if you're responsible for damage or an injury caused during your event.


Personal Insurance

Protecting your home, your family, and your future often comes down to coverage for yourself, your assets, and your loved ones. We offer a variety of insurance types and carriers. We have the knowledge and experience to make certain you get the best coverage for the best value.

Auto Insurance

Auto insurance is required by law in most states. If you are in an accident, auto coverage helps pay for covered losses, such as medical bills, damage to property, or vehicles.



Homeowners

Homeowners insurance provides coverage to repair or replace your home and its contents in the event of damage resulting from a covered peril or if someone is injured in your home.



Renters Insurance

Like homeowners, renters insurance covers your personal property, pays for hotel and meals if disaster forces you out of your home, and can pay if others are injured in your home.



Secondary Home

Homeowners insurance for secondary homes contains the same coverage as primary home insurance. But special attention should be paid if the home will ever be used as a rental. Banks and insurers both need to list the property correctly.

Auxiliary Dwelling Units

ADUs and tiny homes require special attention. These dwellings may be covered with your primary homeowner's insurance, but there are many factors to consider. Ordinances, zoning, use, and insurance all go hand-in-hand.


Condo Owners

Condo owners insurance is designed to protect your personal belongings, the interior of your condo, and your personal liability. A master policy refers to the condo association's insurance policy that protects the structure of the building.

Life Insurance

In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.


Personal Property

Personal property coverage can cover your belongings, such as furniture, clothing, sporting goods, art, jewelry, or electronics in the event of a covered loss – whether they get damaged at your home, apartment or anywhere in the world.

Personal Umbrella

Personal liability umbrella policies cover costs that exceed your other liability coverage limits. A PLUP increases protection limits for multiple policy types, such as your auto and home liability policies.


Boats and Watercraft

Boat insurance may include motorboats, houseboats, sailboats, personal watercrafts, or even a submarine. Like auto, the property, the vessel, and the liability are all available coverages.


Motorcycle, RV, ORV

Motorcycle insurance, recreational vehicle, and off-road vehicle insurance all have similar coverage to auto insurance. And like auto, motorcycle insurance is required in nearly every state. Banks may require insurance on RVs or ORVs as well.

Classic Cars and Boats

Classic car insurance and classic boat insurance are available for older vehicles and vessels. Coverage usually expects that the vehicles and vessels will be used only occasionally but include coverage specific to the use.


Flood Insurance

Personal flood insurance helps protect your home and its contents in the event of a flood. Flood coverage is not typically included in a homeowners insurance policy and could be required by your lender.


Earthquake Insurance

There is no exclusive earthquake insurance policy to cover risks from earthquakes, but coverage may be available through an endorsement.



Special Event Insurance

Special event insurance is a policy that helps protect your investment in a specific event, such as a wedding. It may cover costs if you must cancel or if you're responsible for damage or an injury caused during your event.


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14710 US 17N, Hampstead, NC 28443

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