Name: Lee Insurance Agency LLC
Address: 119 W South Railroad St, PO Box 1212, Four Oaks, NC, 27524
Telephone: 919-963-2059

Who Pays for Storm Damage If You Rent a Single-Family Home?

Posted on January 30, 2026January 14, 2026 by admin

Landlords and tenants have different obligations when a severe storm damages a home in NC. Your renters insurance policy will be responsible for some of the damages, while your landlord’s policy will cover others. Lee Insurance Agency LLC can help you determine the appropriate coverage amount for potential storm damage to your rental home.

Landlords Are Responsible for Structural Damage

The insurance policy your landlord purchases for your rental home will cover the home’s basic structure. This means the owner of your home will be responsible for damage to the walls and roof caused by storms, fires, and other covered risks. Review your lease, as your landlord may assign some storm damage preparation tasks to you. Nevertheless, they are still responsible for the core structure. Yet, if damage occurs because your landlord failed to maintain the property, they may still be responsible for your personal belongings.

Tenant Responsibilities

Renters insurance provides key protection for personal property in your rental home. These include furniture, electronics, and clothing damaged by wind, hail, or certain types of storm-related water infiltration. If your home becomes uninhabitable due to storm damage, your policy will cover your hotel, meals, and laundry while the house is being repaired.

Flooding that occurs from storms or damage you may have caused because of poor maintenance is excluded. If you are concerned about potential flood damage to your personal belongings, you can inquire about adding a flood insurance rider.

Can Umbrella Insurance Add to Existing RV Insurance Protection?

Posted on December 31, 2025December 2, 2025 by admin

Driving an RV requires special considerations when it comes to insurance and optimal protection. At Lee Insurance Agency LLC, we help clients in North Carolina find insurance policies that suit their lifestyle, year-round. Understanding how umbrella insurance can add to existing RV insurance policies is a way to ensure safety, protection, and financial backups anytime you’re traveling or out on the open road.

What RV Insurance Provides

Typical RV insurance policies include liability, collision, and comprehensive coverage. These help pay for property damage, injuries, or even repairs after being involved in an accident. Umbrella insurance, on the other hand, only activates once your RV policy has reached its limit, or maximum payout.

Umbrella Insurance

Umbrella insurance can add additional coverage and protection with each policy you choose. This adds a cushion to cover medical bills, property damage, and any legal fees you may encounter after being involved in a collision or accident in your RV. An umbrella insurance policy is recommended if you’re always spending time in your RV, planning a cross-country road trip, or if you use your RV to commute to work.

Umbrella insurance policies sit above all other vehicle policies you have in your name. A single umbrella policy provides broad protection for numerous risks and can cover certain personal liability claims that have been excluded from your standard RV insurance.

Adding umbrella insurance to your existing RV insurance policy is a great way to increase liability coverage while providing added protection when you need it most. If you’ve just recently purchased an RV in North Carolina or if you want to reassess and reevaluate your existing insurance policy, we’re here for you. For more information and for your consultation, contact Lee Insurance Agency LLC today.

Does Flood Insurance Cover Appliances?

Posted on November 28, 2025November 11, 2025 by admin

Flooding is a major concern in North Carolina. Among other things, it can harm your home’s floors, carpets, walls, and electrical system. A flood may also damage or destroy appliances. Flood insurance often protects home appliances, but coverage varies depending on the policy, type of equipment, and circumstances.

Types of Insurance

If you have building flood insurance, it generally covers installed and/or major nonlaundry appliances. They include stoves, heat pumps, refrigerators, water heaters, dishwashers, and furnaces. Contents insurance protects most other appliances. It covers things like portable air conditioners, dryers, washing machines, and countertop microwaves. To protect all of your appliances, you’ll probably need building and contents insurance.

Coverage Exceptions

It depends on the specific policy, but flood insurance frequently excludes certain appliances and portions of the home. If you store spare equipment in a cellar or another area that’s at least partially underground, it might not be covered. Contents insurance may protect basement freezers, air conditioners, and laundry appliances if they’re plugged into electrical outlets and being actively used. Some policies exclude generators and/or dehumidifiers.

Types of Flooding

Flood insurance generally covers floods that happen when a body of water rises above its normal level or rain falls too quickly to drain adequately. Other kinds of flooding usually aren’t covered. Flood insurance doesn’t protect against things like roof leaks, burst pipes or other plumbing-related problems. In some cases, a home insurance policy will cover them.

If you’re searching for flood insurance that dependably covers your North Carolina home and its valuable appliances, the pros at Lee Insurance Agency LLC can assist you. Our independent agency will help you find a suitable policy and compare different options from multiple insurers. To contact Lee Insurance Agency LLC and get started, call 919-963-2059.

Why Life Insurance Matters for Parents With Young Children

Posted on October 31, 2025October 16, 2025 by admin

Becoming a parent changes everything about how you view financial security and planning for the future. Lee Insurance Agency LLC, serving North Carolina, understands that protecting your family’s financial well-being becomes the top priority when you have young children depending on you.

Replacing Lost Income

The most important function of life insurance is replacing the income your family would lose if something happened to you. Young children require decades of financial support for basic needs like housing, food, clothing, and health care. If you’re the primary breadwinner, your family could face immediate financial hardship without adequate life insurance coverage. Even if both parents work, losing one income can make it impossible to maintain your lifestyle or cover essential expenses.

Covering Future Education Costs

College expenses continue rising every year, and parents often underestimate how much they’ll need to save for their children’s education. Life insurance can ensure that your children still have access to higher education even if you’re not there to provide for them. A substantial policy can cover tuition, room and board, and other educational expenses that might otherwise be out of reach for a surviving parent managing on a single income.

Protecting Your Spouse

Your spouse will face emotional challenges while also dealing with practical financial decisions. Life insurance provides breathing room during this difficult time, allowing them to grieve without worrying about making drastic lifestyle changes or taking on additional work. This financial cushion can help maintain stability for your children during an already traumatic period.

Planning for your family’s future security doesn’t have to be overwhelming. Contact Lee Insurance Agency LLC, serving North Carolina, to discuss life insurance options that fit your family’s needs and budget.

Auto Insurance — Roadside Coverage for Your Vehicle

Posted on September 30, 2025September 19, 2025 by admin

Imagine driving down an empty roadway and suddenly breaking down. Would you be able to get your car back on the road safely? If you don’t have adequate insurance coverage, consider adding roadside protection to your auto insurance policy.

Risk Factors

Think about the risks of encountering a situation that leaves your vehicle inoperable. You could be involved in an accident with another motorist, experience a flat tire, or run out of gas.

Being stranded doesn’t have to end badly. With roadside coverage, you can request a tow or have a qualified mechanic come to your rescue. Evaluate the risk factors that come into play when you drive your vehicle.

If you use your car frequently, it may be a good idea to increase the amount of coverage provided by your auto insurance policy.

Roadside Coverage

You may be wondering how roadside coverage works. Once you have this coverage, you can contact a licensed mechanic or tow truck operator whenever you need emergency assistance.

Using a roadside coverage service allows you to quickly and safely get back on the road. If your vehicle is severely damaged, your auto insurance coverage may pay for a tow to a local garage.

Once your vehicle has been transported, you can arrange for repairs with a licensed mechanic of your choice.

Support Through an Agent

If you would like to add roadside coverage to your auto insurance policy, contact one of our agents at Lee Insurance Agency LLC. A representative serving North Carolina will ask you a few questions to help determine the roadside coverage amount that best suits your needs.

Commercial Property Insurance Gaps North Carolina Businesses Often Overlook

Posted on August 29, 2025August 20, 2025 by admin

You might think you know your coverage. The big risks? Checked. The obvious threats? Covered. But commercial property insurance often hides blind spots, and those small, easy-to-miss gaps can turn into the most expensive problems.

The Risks That Slip Past Your Radar

Some gaps develop over time without you realizing it. A building upgrade, a new piece of equipment, or an added storage unit can outpace your original policy. Other gaps are buried in the fine print from the start—did you even read the fine print? Damage from certain weather events, specific types of theft, or utility-related losses may not be covered.

You won’t notice these gaps until a claim bumps up against the exclusions list. By then, the cost isn’t theoretical, it’s yours.

Why North Carolina Businesses Need a Closer Look

From coastal storms in the east to heavy snow in the mountains, North Carolina’s weather is unpredictable. Add in everyday risks like break-ins, accidental damage, or infrastructure failures, and it’s easy to see how a business could face a claim that falls into a gap.

At Lee Insurance Agency LLC, serving North Carolina, we go beyond a quick policy overview. We examine how you use your property day-to-day. Is your equipment protected during transport between locations? Are temporary structures on your property included? Would your coverage hold if your building sat vacant for a period? These questions matter.

Seal the Cracks Before They Turn Into Sinkholes

If your commercial property policy hasn’t had a thorough review in the last year, it’s time. At Lee Insurance Agency LLC, serving North Carolina, we’ll help you uncover blind spots and address them before they’re tested in the real world.

Call us today. Let’s make sure your business isn’t relying on coverage it doesn’t have.

Does Your Classic Car Need to Be Driven to Be Insured?

Posted on July 31, 2025July 21, 2025 by admin

When it comes to insuring your cherished classic car, one common question we hear at Lee Insurance Agency LLC in North Carolina is: Does my classic car need to be driven to be insured? It’s a great question — and the answer might surprise you.

Insurance Isn’t Just for Driving

Classic car insurance isn’t limited to vehicles that are regularly on the road. Many policies are specifically designed for cars that are rarely, if ever, driven. Whether your classic car is a garage-kept showpiece or a long-term restoration project, it can still qualify for coverage. What matters most is how the vehicle is used and stored, not how many miles it’s driven each year.

Low Mileage and Proper Storage

Most classic car insurance policies are based on limited use. This means your car doesn’t need to be a daily driver, and in many cases, it can remain undriven while still being insured. Insurance providers often inquire about mileage, storage conditions, and whether the vehicle is displayed at events or shows. Taking steps to maintain and protect your car works in your favor when securing coverage.

Protection While Parked

Even if your classic car never leaves the garage, it’s still vulnerable to risks such as fire, theft, and weather damage. A specialized classic car insurance policy ensures your investment is protected, whether it’s cruising the back roads or safely tucked away under a cover. Standard auto policies may not offer the same level of protection for collectible vehicles.

If you’re looking to insure your classic car — whether it’s driven or not — Lee Insurance Agency LLC in North Carolina is here to help. Contact us today to explore coverage options tailored to your unique vehicle and lifestyle.

Does Renters Insurance Cover Pet Injuries to Neighbor?

Posted on June 30, 2025June 17, 2025 by admin

If you’re renting a home in North Carolina and own a pet, you may have wondered what would happen if your furry friend injured someone, especially a neighbor. The good news is that renters’ insurance often includes liability protection that may cover incidents like this, depending on the specifics of your policy. Lee Insurance Agency LLC, serving North Carolina, explains more below.

Understanding Liability Coverage for Pet Injuries

Most standard renters’ insurance policies include personal liability coverage. While this coverage isn’t specifically designed for pet owners, it can help protect you financially if your pet causes injury or property damage to someone else. For example, suppose your dog bites a neighbor or knocks them over, resulting in an injury. In that case, your renters’ insurance may cover medical bills or legal expenses, up to the policy limit.

It’s important to note that this coverage typically applies to individuals outside your household, not family members or roommates living with you.

Policy Exceptions and Breed Restrictions

Not all pets are covered under every renters’ insurance policy. Some insurers exclude certain dog breeds or exotic animals due to the perceived risk associated with them. It’s crucial to review your policy or consult your insurance agent to confirm whether your specific pet is covered. Additionally, if your dog has a history of aggression or has been labeled dangerous, coverage may be denied altogether.

Why Liability Coverage Matters

Pet-related injuries can lead to significant medical expenses or even lawsuits. Having renters’ insurance with liability protection provides peace of mind, especially in shared living spaces like apartment complexes or townhome communities.

If you’re a pet owner renting in North Carolina, don’t wait until an incident occurs to understand your policy’s coverage. Contact Lee Insurance Agency LLC, serving North Carolina, to ensure your pet—and your finances—are adequately protected.

Status Beyond the Basics: Hidden Coverage Gaps in RV Insurance You Shouldn’t Ignore

Posted on May 30, 2025May 25, 2025 by admin

Owning an RV brings a sense of exploration and freedom, but insurance responsibilities can often get overlooked. Standard policies may seem comprehensive, but hidden coverage gaps could lead to bigger problems than anticipated. At Lee Insurance Agency LLC, we ensure our clients understand exactly what to expect from their RV insurance in North Carolina.

Personal Belongings May Not Be Covered

One commonly overlooked gap is personal belongings. Many RV insurance policies cover the vehicle, but not the contents inside. Items like electronics, camping gear, and kitchen equipment may require additional personal property coverage. It’s important to ask these questions when working with an insurance professional to understand the details of your policy.

Understanding Liability Coverage

Liability coverage is another area to watch. If your RV functions as a vehicle and a living space, your liability risks increase, especially when guests are on board. Without adequate liability protection, you could be at higher risk.

Full-Time RV Use Consideration

Are you using your RV as a full-time living area? A standard policy may not offer the proper protection if you live in your RV for extended periods. You might need more coverage that resembles a home insurance policy.

Get Insurance Help From Lee Insurance Agency in North Carolina

If you are an RV owner in North Carolina, we would love to help you determine the best policy for you. Don’t hesitate to give us a call to discuss your options. We would love to sit with you to learn more about your needs. Our team can walk you through potential coverage gaps and tailor a plan that fits your travel habits and lifestyle.

The Difference Between Flood Insurance and Homeowners Insurance

Posted on April 30, 2025April 21, 2025 by admin

Both flood and homeowner’s insurance offer dynamic coverage for property owners. However, each requires periodic reviews to confirm the coverage is right for your residence. The Lee Insurance Agency, LLC, which serves North Carolina, can help determine whether flood or homeowners insurance is best for your needs.

What Claims are Covered by Flood Insurance?

Flood insurance is provided by the National Flood Insurance Program (NFIP) to properties located in high-risk flood zones. The coverage protects both the structure of the home and personal property from extreme storm surges and mudslides. Additionally, it covers damage resulting from overflowing lakes, ponds, or oceans. However, flood insurance does not cover plumbing issues, local sewer backups, or water damage that originates from inside the home.

What Claims are Covered by Homeowners Insurance?

Purchasing a home is a milestone for an individual or married couple. A homeowner’s insurance policy is the primary coverage for all homes. It protects against all damage caused by fire or theft. Yes, coverage is available for water damage, but the policy does not offer protection against flood damage caused by a nearby rising body of water.

Typically, most claims are for damage caused by rain entering the home through a leaky roof or busted water pipes. However, if there is evidence of negligence on your part for failure to make necessary repairs, your claim may be denied. If age and deterioration were the cause of the water damage, the policy covers all repairs or replacement of your personal property. However, no assistance with the repairs or replacement of the roof or water pipes.

Deciding between flood and homeowner’s insurance is a difficult choice for a policyholder. Choosing incorrectly could change everything for you. Lee Insurance Agency LLC in North Carolina can provide relevant information to help make your policy decision easier. Call and schedule an appointment today.