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Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

How Your RV Lifestyle Affects Insurance: Full-Time vs. Weekend Warrior

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Embracing the RV lifestyle allows you to explore new sights, visit popular attractions, and journey on the open road. However, whether you’re a full-time traveler or a weekend warrior, RVing comes with unique insurance needs. Understanding these differences can help ensure that you have adequate coverage. Lee Insurance Agency LLC, located in North Carolina, offers comprehensive RV insurance to meet all your coverage needs.

Insurance Considerations for Full-Time RVers

If you live or travel full-time in your RV, your insurance needs may be more extensive. Full-time RVers often have more assets at risk, making higher liability limits essential. This liability coverage can help protect you against potential lawsuits from injuries or accidents that may occur while living in or using the RV.

As a full-time RVer, you’ll also want coverage for your personal items and any home-like amenities. Insurance should generally cover your personal belongings, furnishings, and other items in your RV, such as electronics, appliances, and outdoor gear.

Insurance Considerations for Weekend Warriors

If you only use your RV occasionally, such as for camping, your liability limit requirements will likely be lower. As these trips are short, you can choose a lower liability limit that will provide just the right amount of coverage you’ll need based on your risk level.

Insurance needs for weekend warriors are centered around seasonal use. This means that coverage should be tailored to protect your RV during months of activity rather than year-round.

Let Us Help You Choose the Right Insurance

Whether you own a Class A RV, traveler trailer, fifth wheel, or other recreational vehicle, we can help you find a policy that meets your coverage needs. Call the Lee Insurance Agency LLC in North Carolina at 919-963-2059.

I Rent My Home. Do I need Flood Insurance?

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You’ve finally found the perfect rental, and as you read the lease agreement, it states that you are required to carry flood insurance. You might think, "Why do I need to carry flood insurance? I don’t own the property." The Lee Insurance Agency LLC team serving North Carolina has some helpful information for you.

You’re correct that property owners must have insurance coverage, but it only covers their belongings and property, not yours. If there’s a flood and your belongings inside the building are damaged, you aren’t protected without proper flood insurance. It’s important to note that you are not required by North Carolina law to carry renters’ and flood insurance. Still, it’s wise to add it to protect yourself and your property, especially if you live in one of North Carolina’s high-risk areas.

Flood Insurance Protects You and Your Belongings

Flood insurance covers all your belongings like furniture, art, bicycles, electronics, and clothing. As previously mentioned, if your rental incurs flood damage, flood insurance will also help cover temporary relocation costs like hotel and food expenditures until you can move back in. It also protects you against liability, meaning if someone gets injured, you could be responsible for expensive medical and legal costs depending on the incident.

Flood Insurance Provides Peace of Mind

When weighing the pros and cons of having renters and flood insurance, the pros always prevail. Floods don’t happen daily, but when they do, it devastates you and your family. The experienced team at Lee Insurance Agency LLC, serving North Carolina, will work with you to find the right flood insurance coverage at a reasonable premium. Contact us today.

Which Family Members Most Need Life Insurance?

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The topic of which family members require life insurance most often deters people from having a fruitful discussion due to emotional involvement. However, it is important to set emotions apart and think practically to ensure the financial security of our families in times of sudden mishaps. The conversation should pivot around analyzing the financial impact of each family member’s death. If you are contemplating life insurance and reside in North Carolina, consult our Lee Insurance Agency LLC team.

Who in the Family Requires Insurance?

Typically, depending on their roles in the family, not all family members require life insurance. The need greatly varies, and even family members with no external income might have significant contributions that may be financially cumbersome to replace upon their death.

The ensuing discussion of various familial roles can help you contemplate the need for life insurance in your family and prioritize the ones whose loss would cause significant financial distress.

  • Breadwinners: Who brings in the household income? Can the family manage without their income?
  • Caregivers: Who takes care of the dependents in the family – children or elderlies? What would be the cost to hire external help for the same care?
  • Medical History: Are there any hereditary health issues that might affect the eligibility of a child for life insurance in the future?
  • Final Expenses: Can you afford the final expenses of a deceased family member?
  • Family Business: If you co-own a business with family members, does the business succession plan have the necessary funding?
  • Loans: Does anyone in your family have any outstanding debts, either to creditors or other family members?

Why Choose Lee Insurance Agency LLC?

The team of Lee Insurance Agency LLC is committed to helping North Carolina residents formulate a comprehensive life insurance plan for their families. Call us today at (919) 963-2059 to set up a consultation.

Explaining a Total Loss Process in Auto Insurance

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The total loss of a vehicle is heartbreaking, but understanding the total loss process can help with the headache of what to do in North Carolina. A total loss is called when the repairs are more than the vehicle’s actual cash value (ACV).

Initial Assessment and Reporting

The total loss process begins with reporting the accident to your insurance company. After filing a claim, an insurance adjuster will assess the damage to your vehicle. This assessment includes a thorough inspection to determine whether the car can be repaired or is a total loss. The adjuster writes up an estimate for the repairs and compares it to the vehicle’s ACV, considering these factors: its make, model, year, mileage, and overall condition.

Determining the Actual Cash Value

The actual cash value (ACV) represents the market value of your car at the time of the accident, considering depreciation and wear and tear. Various methods are used to determine the ACV, including industry guides, recent sales of similar vehicles, and market trends.

Settlement Offer and Options

In the case of a total loss, the insurance company will offer a settlement offer where the deductible is subtracted from the ACV. You can accept the settlement and relinquish the vehicle to the insurer, who will then handle its disposal.

Retaining a Salvage Title

In some cases, you may choose to keep the totaled vehicle. If you retain the car, the salvage value is deducted from the agreed-upon amount in the settlement. You must also obtain a salvage title to declare the vehicle a total loss.

Lee Insurance Agency LLC Is There For You

Lee Insurance Agency LLC is here for you when you need insurance information. Our services are available at the North Carolina locations. Call today.

How Commercial Insurance Protects Your Company

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Taking good care of your company is extremely important if you want it to grow and be successful. There are a lot of different things to consider when operating a company, and you don’t want to put yourself at risk accidentally. If you’re in North Carolina, getting a commercial insurance policy from us at Lee Insurance Agency LLC can help you have peace of mind, focus on other areas of your business, and help it continue to do well.

A commercial policy protects your company from claims made against it, and you don’t want to be without insurance if someone gets injured on your property or there’s a problem with a product or service you provide. You can’t always prevent issues from occurring, but you can reduce their impact on your bottom line and your company’s future by making sure you have a policy that will give you support and help you move past any claims that come your way.

Working with our trusted agents is the right choice for commercial coverage because we can provide quotes from several insurers. Then, we’ll talk with you about which is best for your needs and how often you should update it for continued protection. There’s no reason to settle for worrying about what’s happening to your business when you have ways to stay on top of any serious concerns it could be facing.

Contact us at Lee Insurance Agency LLC today if you’re looking for commercial insurance in North Carolina. We’re here to get you the quotes and information you need, help you make changes to a current policy, or set you up with a new one. The peace of mind and confidence that will give you can be a big part of keeping your business on track.

Classic Cars Meet Modern Coverage in North Carolina

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Owning a classic car in North Carolina is a special experience, and at Lee Insurance Agency LLC, we know these vehicles deserve the right kind of care and coverage. You’ll want to ensure it’s well-protected while showing off your beauty in Raleigh or taking it for a spin through the Blue Ridge Mountains. Our agency understands the unique needs of classic car enthusiasts and offers tailored insurance solutions to keep your prized possession safe.

Unlike traditional vehicles, classic cars often come with higher market values, making specialized coverage essential. At Lee Insurance Agency LLC, we recommend policies that consider the actual value of your car rather than just the standard market value. This means your vehicle is protected according to its true worth, reflecting its age, condition, and customizations.

Modern insurance solutions also allow for flexibility in usage. Whether you’re a weekend driver or participate in annual shows, we help you find policies that accommodate your lifestyle. With services catering to Greensboro, Charlotte, and all of North Carolina, our agency offers expert advice on liability, comprehensive coverage, and more.

Navigating the world of classic car insurance can be tricky, especially with North Carolina’s specific regulations. That’s why our knowledgeable team at Lee Insurance Agency LLC is here to simplify the process, ensuring you’re equipped with the right information. We prioritize your peace of mind so you can focus on enjoying your classic ride.

Ready to secure the best protection for your classic car? Contact us today to explore modern insurance solutions tailored to your vehicle’s unique needs. Our experts are eager to provide a personalized quote and help you feel confident your prized possession is in good hands.

Renting vs. Owning a Home: Protect Your Property No Matter Which You Prefer – Here’s Why

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There are quite a few differences between the pros and cons of renting or owning a home, but both should be adequately ensured for your protection. Here are some key things to consider when making a decision.

The Considerations of Renting

Renting allows you to move any time you choose, and getting renters insurance is much cheaper than home coverage. You can also experiment with housing types and neighborhoods. Getting a rental requires a few landlord checks, and buying a home involves lender approval and loans. Renting also makes the landlord liable for making repairs, while owners must handle them personally.

What To Know About Home Ownership

Owning a home allows you the freedom to change the home without landlord approval. It should also be considered that a homeowner can sell the property anytime, forcing you to move to a new home. One of the best perks of owning a home is that you are making an investment that can be sold at any time or passed on to a relative if you desire.

Home and Renters Insurance Are Essential

While renting and owning have benefits and drawbacks, having insurance is a must. Home insurance covers the owner’s interiors and exteriors to minimize out-of-pocket expenses. Renters’ insurance protects the tenants’ possessions should an incident occur. Both policies should cover the inside and outside of the home. Coverage should also protect the occupants’ belongings and persons against injuries.

Insure Rental and Homes with Exceptional Coverage

Regardless of whether you opt to rent or own, it’s important to have the correct type of insurance in place. Rental policies differ from homeowner policies, so be sure to discuss these with one of our experienced agents at Lee Insurance Agency LLC in North Carolina. We’ll help you find the coverage that best suits your needs.

Beyond the Road: RV Insurance Perks You Never Knew Existed

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Embarking on the open road with your cherished RV doesn’t just symbolize a journey. It’s akin to showcasing the freedom synonymous with a nomadic lifestyle. At Lee Insurance Agency LLC, we appreciate the need to shield your home on wheels, which is of paramount importance. But what if we told you our RV insurance extends beyond mere protection? Here, we acquaint you with the exclusive perks and advantages that elevate our RV insurance from a simple necessity to a rewarding investment synonymous with your adventurous spirit.

Our Tailored Offers, Exclusively for You

We believe in enhancing your lived experience, whether it’s your stationary home in North Carolina or the mobile home you use for your travels elsewhere. To reflect this belief, we offer you exclusive deals. Picture yourself relishing a serene campground at a discounted rate or perhaps stocking up on outdoor gear with special savings—all courtesy of your RV insurance with us.

Your Loyalty, Our Reward

We value the long-lasting relationships we build with our clients. As our bond strengthens, we bestow upon you loyalty rewards that reflect our appreciation. Enjoy perks like reduced premiums, deductible benefits, and additional coverage—all signifying that your insurance plan grows and adapts to your evolving needs.

Seamless Travels with Unexpected Advantages

Life on the open road is exhilarating, but it isn’t without its unpredictability. Rest assured, we have you covered. Our policies include benefits such as alternative accommodations coverage during breakdowns or accidents to minimize disruptions on your journey. Additionally, our emergency roadside assistance extends beyond your RV, vouching for the safety of your personal vehicle.

As your trusted insurance partner in North Carolina, Lee Insurance Agency LLC provides not just peace of mind but also a personal and enriching aspect of your nomadic lifestyle. So, before your wheels start rolling, take a moment to explore the unique advantages of our RV insurance, which will make every mile a rewarding adventure.

Protect Your Basement Against Floods

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Floodproof Your Basement

Offering your home’s basement comprehensive protection against flooding goes a long way in reducing the chances of filing a residential flood insurance claim. Follow these simple guidelines to achieve this:

Improve The Drainage

Efficient drainage inhibits water from accumulating within your house’s basement. Routinely inspect the outdoor drainage status. The terrain encompassing your home ought to be level. If there exists an incline, compact the soil with a tamping tool. Gravel added to window wells around your basement’s exterior aids in drainage and prevents water from seeping into your basement.

Inspect Structural Materials

Ensure there are no cracks or holes in the structural materials constructing your basement’s walls and floor. Any weakness could provide an entry route for water. Use a concrete patch product to fix any detected damage. Once repaired, apply a waterproof sealant to the nonporous surfaces for enhanced protection.

Consider Sump Pump Installation

If flooding has been a recurrent issue, installing a sump pump would be a beneficial investment. This device effectively collects and funnels water outside your home. The services of a qualified plumber can be sort to ensure a correct sump pump installation. It offers a practical solution for protecting your basement items from saturation.

Contact Lee Insurance Agency LLC

If you need further guidance on flood protection or assistance with your personal insurance documents, reach out to one of the agents at Lee Insurance Agency LLC. Being experienced in serving North Carolina residents, we’re best placed to help.

How Term Life Insurance Works

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Term life insurance is one of the two main types of life insurance. It’s a type that many people prefer for its advantages, and it can be good protection for many policyholders. It does have its drawbacks, however, and the policies don’t typically last as long as a whole life policy. However, the benefits outweigh the drawbacks for many people. If you want to know more about term life insurance, call us at Lee Insurance Agency LLC in North Carolina. 

The Insurance Term

Term life insurance has this name because it’s written for a very specific term. This term is generally a specific number of years that the policy will be in force. When the end of the term comes, the policy will hit its expiration date and will no longer be in effect. When that happens, the policyholder will have to seek out a new policy so that they can be covered by life insurance again. This drawback can make this type of insurance the wrong type for some people, but many people choose it because of its main advantage. 

Saving Money

One of the big advantages of this type of life insurance is that it costs so much less than the other main type. Term life tends to be affordable for a wider segment of the population than a whole life policy. There are many people who wouldn’t be able to afford life insurance at all if it weren’t for term life policies. If you have a tight budget, this may be the right choice to keep you insured so that your family won’t face financial hardship later. 

Get Term Life Insurance

If you don’t have a life insurance policy, don’t wait to get one. To find out more, call us at Lee Insurance Agency LLC in North Carolina. 

Partner Carriers

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