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A compiled list of information to help you find life, home, health, and auto insurance in North Carolina is presented on this page.

Auto Insurance in North Carolina

Your auto insurance policy is a contract between your insurer and you and states that in exchange for premium payments, you will be compensated for any losses incurred, as outlined in your policy. 
The North Carolina Financial Responsibility Law demands all drivers to hold liability coverage, including:

  • $25,000 in coverage for property damage
  • $60,000 in bodily injury for anyone involved in an accident
  • $30,000 in bodily injury coverage per individual

The lowest amount required may not be adequate to cover damages in case of accident. Prior to purchasing your auto insurance you may need to ask yourself a few questions such as how much property you can afford to lose, the replacement cost, and can you afford your legal cost.

When searching for the right auto insurance policy, an agent will consider the following factors, your driving record, where you live, the type of vehicle you drive, and the mileage on your vehicle.

Get a North Carolina Auto Insurance Quote

Health Insurance in North Carolina

Medical and health insurance plans typically fall into two diverse classes; individual and group. Employers offer group plans and if you purchase any health insurance purchased on your own is called an individual health plan. The kinds of health insurance available in North Carolina are:

  • Managed-Care Plans: Includes PPOs, Preferred Provider Organizations; HMOs, Health Maintenance Organization; and POS, Point of Service Plans.
  • Major Medical Plans: Frequently known as fee-for-service or indemnity plans.

Major medical plans are created to reimburse and cover medical expenses such as hospitalization, surgery, diagnostic tests, prescription drugs, and doctor visits. You are permitted to select your own doctor and hospital, and normally regulate your yearly expense you have to pay.

Managed care plans supply services such as wellness and health screenings and routine physicals. Nonetheless, there are contracted health care professionals you must use who will charge bargained rates, and keep your health care expenses low.

Get a North Carolina Health Insurance Quote

Home Insurance in North Carolina

A home insurance policy shields your residence from damage sustained while you are the owner. In addition, it shields you from financial threats by paying for any property damage or bodily injury for which you are responsible.

During the financing of your home, your bank may demand that you insure your home for the amount of your home loan. However, most North Carolina insurance policies demand coverage of a minimum of 80% of the home's replacement price.

There are many homeowners' policies to choose from. The majority of companies in North Carolina offer the following coverage:

  • Broad Form (HO-2) covers single-family homes against exclusively listed damages only.
  • Special Form (HO-3) covers single-family homes against any risks apart from those exclusively barred.
  • Homeowners Contents Broad Form (HO-4) supplies coverage for renter's private property excluding the building.
  • Homeowners Unit-Owner's Form (HO-6) covers condominium owner's private property and any part of the building they own.
  • Homeowners Modified Coverage Form (HO-8) insures the configuration of older homes determined by actual cash value.

There are a few factors that will influence the cost of your premium such as type of construction, how old is your home, location, deductibles, amount of coverage, and additional coverage.

Get a North Carolina Home Insurance Quote

Life Insurance in North Carolina

Life insurance is a huge investment. It affects the lives of you and those closest to you. Choosing the life insurance policy that is best for you demands four steps: how much insurance you need, what you can pay, the best policy for you, and the amount charged for your particular policy. Life insurance in North Carolina is available in three basic types:

  • Term Life: Purchased for a precise amount of time. Benefits are dispersed when you die and if the policy is valid. Term life is more practical for those who require a large sum of coverage.
  • Whole Life: Provides lifetime coverage and accrues cash value after a while. Premium rates stay put as long as the policy is active.
  • Endowment: Pays out a predetermined amount of money if you live to be a particular age. If you die before this time, the death benefit is rewarded to your beneficiary. However, endowment insurance pays the lowest amount of death protection for your money.

These are the basic life insurances that most people look for in North Carolina. The North Carolina Department of Insurance will be of great assistance as well.

Get a North Carolina Life Insurance Quote

Agency Information

Over the past 23 years we have established a safe, stable, reputable relationship with many commercial and personal insurance carriers. We are able to offer commercial coverage in 12 states including: Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, Kansas, North Carolina, South Carolina, Tennessee, Texas, and Virginia.
Salter Insurance Agency
406 3rd Ave
PO Drawer 489
Ashford, AL 36312
Phone: 1-800-945-5719
Fax: 1-334-899-6813