Personal Insurance
Comprehensive personal coverage for individuals across NC, SC & VA.
Coverage built around you
As an independent agency we work with multiple carriers to find the coverage options that work for you and at the right price.
Frequently Asked Questions
Does homeowners insurance cover flood damage?
No. Flood damage is excluded from standard homeowners policies and requires a separate flood insurance policy.
Do I need renters insurance if my landlord has a policy?
Yes. A landlord's policy covers the building itself, not your personal belongings or your liability, so renters insurance is needed to protect your own property and cover liability claims.
What does a personal umbrella policy cover that homeowners insurance doesn't?
An umbrella policy adds liability limits above your homeowners and auto policies, and can also cover certain claims, like libel or slander, that aren't included under standard policies.
Is my condo covered fully by the condo association's master policy?
No. A condo association's master policy typically covers the building structure, while an HO-6 policy covers your unit's interior, personal belongings, and personal liability.
Do standard homeowners policies include earthquake coverage?
No. Earthquake coverage is excluded from standard homeowners policies in NC, SC, and VA and must be purchased as a separate policy or endorsement.
Is my boat covered under my homeowners policy?
Homeowners policies typically provide very limited coverage for watercraft, often capped at a low dollar amount. A separate boat/watercraft policy is usually needed for adequate liability and physical damage protection.