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Lee Insurance Agency LLC

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

How Can You Tell If Your Homeowners Insurance Includes Flood Coverage?

One of the most costly mistakes a homeowner can make is assuming their home insurance policy covers flooding. Most home insurance policies will cover flooding that happens due to a pipe bursting or an appliance leaking, but they will not cover flooding due to heavy rain. As such, this confuses homeowners, and then they do not wind up with a separate flood insurance policy.

Here at Lee Insurance Agency LLC, serving the greater North Carolina region, we want to help you avoid being in this situation.

How Can You Tell If Your Homeowners Insurance Includes Flood Coverage? 

In order to determine if you have flood coverage with your home insurance policy, you will have to read through your home insurance policy. Look under the exclusions list, as this is typically where flooding is listed. If your policy does cover flooding, you may have a separate endorsement for your policy for flooding. An insurance agent can read through your policy and tell you for sure whether your existing policy covers flooding or not. 

What Should You Do If Your Policy Does Not Include Flood Coverage? 

If your home insurance policy does not cover flooding, you will need to purchase a separate flood insurance product to protect your home from damage caused by flooding. 

Contact Us Today

Most home insurance policies do not have flood coverage when the floods are caused by rivers flowing over their banks or for heavy periods of rain. If your policy does not cover this type of flooding, you need to purchase a separate flood insurance policy to ensure your home is fully protected. Here at Lee Insurance Agency LLC, serving the greater North Carolina area, we can help you get the flood coverage you need. Call us today to get started. 

Life Insurance Provides Protection for Family

Are you concerned about whether or not your family would be financially secure in the event of your passing? Our team of insurance experts at Lee Insurance Agency LLC in North Carolina can help you with your life insurance needs.

Life Insurance: The Basics

Life insurance is a contract between the insurance company and an insured individual. The insurance company promises to pay the designated beneficiaries an amount of money upon the death of the policyholder. Depending on the policy, other events such as a terminal illness can also force payment.

The policyholder will pay a premium either monthly or make a lump sum payment. The benefits will include final expenses.

Life insurance policies are legal contracts, in which each contract will describe the limitations of the insured events. Certain exclusions may be written into the contract which will limit the liability of the insurance company. Common examples would include suicide, war, riot, fraud, and civil commotion.

Life insurance policies typically fall into two major categories:

Protection policies are designed to provide a lump-sum benefit, typically, in the event of a specified occurrence. Term insurance is a common form of protection.

Investment policies are meant to facilitate the growth of capital by single or regular premiums. Common forms of this type of insurance are variable life policies, whole life policies, or universal life policies.

In the event of the passing of the main breadwinner in a household, it is necessary for that person to make sure his or her family is protected with a life insurance benefit. In addition to paying final expenses, it can satisfy a mortgage, pay off other miscellaneous debt, pay college tuition, and enable the family to live without financial worry.

Give Us A Call

Our insurance experts at Lee Insurance Agency LLC can provide a no-obligation quote or answer any questions you may have.

If you are looking to add or update your life insurance policy in North Carolina, reach out to us today. We’ll be happy to help. 

Follow These Tips to Help Avoid an Auto Accident in the Dark

During the fall and winter months, it gets darker earlier in the day. As such, you may find yourself driving home from work in the dark. Unfortunately, when it is dark, it becomes harder to see road hazards, which can increase the number of accidents that occur. Here at Lee Insurance Agency LLC, serving the state of North Carolina, we want to help keep you safe when you are driving.

Follow these tips to help avoid an auto accident in the dark:

Familiarize Yourself With Roads You Will Be Traveling On at Dark

When possible, try to familiarize yourself with the roads that you will be traveling on in the dark, and try to stick with roads you are familiar with before the sun rises or after the sun sets. Knowing the roads well will make them easier to travel in the dark. 

Always Use Your Headlights 

Another tip to follow to help you avoid an accident when traveling in the dark is to always use your headlights. It is recommended that you turn your headlights on an hour before the sun sets and leave them on for an hour after the sun rises. Headlights not only help you to see, but they help other drivers see you on the roads. 

Slow Your Speeds When Driving in the Dark

Finally, always slow your speed when you are driving in the dark. You should always drive about five to ten miles per hour slower in the darker than you would in the daylight. 

Contact Us Today

While there are steps you can take to minimize auto accidents, you can not prevent every auto accident from happening. As such, it is extremely important that you have an auto insurance policy that fully protects both you and your vehicle in case an accident happens. Contact us at Lee Insurance Agency LLC, serving the greater North Carolina area, to obtain quotes for a new auto insurance policy. 

What You Need To Know About Commercial Insurance

Proper insurance coverage is a big part of your responsibilities as a business owner. Not only is this an important way you can protect yourself and your company, but it is also an important way to protect your customers and employees. At Lee Insurance Agency LLC in North Carolina, we are here to help business owners make the best possible insurance choices.

Is Commercial Insurance Required?

Each state has its own laws which govern which types of insurance an employer is required to have. However, simply depending on the minimum required types of coverage is not the best way to keep your company protected. To truly protect the investment of time and money you have put into your business, you need a commercial insurance policy that will provide protection for you, your employees, and your customers and clients. 

What Does Commercial Insurance Cover?

Commercial insurance coverage is actually a bundled product that includes different types of insurance coverage. Let’s take a look at the three main types of coverage. 

Property coverage– If you operate your business from a brick-and-mortar location, you will need to have property insurance in place. This type of coverage will pay for repairs or replacement of property or equipment should it be damaged or lost due to fire, natural disaster, or burglary. 

Vehicle coverage– If you operate vehicles as part of your daily operations, you will need auto insurance in place for the vehicles and the drivers. 

Liability– Liability coverage is there to help pay for expenses that could result from actions being taken against you. In the event that an employee or a customer is injured at your place of business or because of your goods or services, this coverage will kick in to help pay for the expenses that could be incurred. 

Get Commercial Insurance Today

If you would like to learn more about commercial insurance, please contact us at Lee Insurance Agency LLC, now serving residents in North Carolina. 

Protect Your Investment With Classic Car Insurance

You’ve invested a lot of time and money into your classic car. Whether you’re driving it on the open road or keeping it in mint condition in a garage, you want to ensure it’s adequately protected in case of an accident or theft. That’s where classic car insurance comes in.

What is Classic Car Insurance?

Classic car insurance protects your investment and gives you peace of mind knowing your vehicle is adequately covered. It’s like regular auto insurance, but with some crucial differences. For example, classic car insurance has a lower premium since the vehicles are not used as often and are typically driven fewer miles than a regular car.

Another difference is that classic cars may appreciate over time, so it’s essential to have an insurance policy that considers this. Many regular auto insurance policies have a stated value, which means if your car is totaled, you can only receive the current market value of the vehicle – not what you paid for it or what it’s worth to you.

What is Guaranteed Value?

Classic car insurance uses guaranteed value, which means you’re reimbursed for the total value of your car in the event it’s totaled. This is important because classic cars often appreciate value, so you want to ensure you’re covered for what it’s worth – not just its current market value. Lee Insurance Agency LLC in North Carolina can help you determine the correct value for your car.

Why You Need Classic Car Coverage

Classic car insurance is not required by law, but it’s a good idea if you want to protect your investment. It can also give you peace of mind knowing you’re covered in case of an accident or theft.

The classic car insurance experts at Lee Insurance Agency LLC in North Carolina can help you find the right policy for your needs. Contact us today to get started!

How to determine the appropriate amount of renter’s insurance for your needs

North Carolina residents, including renters, can rely on the Lee Insurance Agency LLC team for all of their insurance needs. If you have questions about any type of insurance, we are here to offer our assistance. Stop by our office or give us a call and we’ll be happy to help!

What amount of renter’s insurance is right for you?

When it comes to knowing the right amount of renter’s insurance that’s sufficient to protect your belongings, you can feel pretty clueless. One of the first things to do is review the available policy levels. If you are a young person just starting out on your own, one of the basic policies that offer a reasonable amount of coverage should be enough for your needs.

For people who are more established, it can be more difficult to determine the proper amount for their needs. If you’ve built a fairly substantial amount of belongings through the years, you will need to do a rough inventory of your items. Focusing on more expensive items like artwork, electronics, jewelry, and furniture is a great way to start. 

There are several ways to value your possessions for insurance purposes. Your local agent can provide insight into which method best meets your needs. Using replacement value as your method of calculation is one of the more common ways to determine how much your things are worth. Make sure you have the protection you need!

Contact our team today!

Lee Insurance Agency LLC is proud to serve the state of North Carolina and help our clients with all of their insurance needs. If you would like some guidance when it comes to renter’s insurance, we have the information you need. Contact our office or stop by today!

RV Insurance Options

Every state requires RV insurance for recreational vehicles on its roads, but each state sets its minimum requirements. Many states, including North Carolina, set the RV insurance requirement at the same level as their auto insurance minimums.

Lee Insurance Agency LLC can help all North Carolina residents who own an RV to obtain the insurance coverage that keeps them on the roads legally.

RV Insurance: What You Need To Know

Minimum Coverage Insurance

According to the North Carolina Department of Transportation, each motor vehicle of any type must carry at least the following insurance coverages:

  • Bodily injury to one individual in the amount of $30,000,
  • Bodily injury to two or more individuals in the amount of $60,000,
  • Property damage in the amount of $25,000.

This policy type only protects the other drivers on the road. The state minimum insurance does not offer coverage for your vehicle. You need full coverage for that.

Full Coverage RV Insurance

When you only vacation in your RV, you take a couple of trips per year in it. Buying a full coverage policy ensures that you also protect your investment in your own RV. If you incur an accident involving your RV, the comprehensive and collision coverages take care of the RV’s damage. These two insurances apply to single-vehicle accidents and multi-vehicle accidents.

Full Timer’s Insurance

You need a full-timer’s policy if you choose to live in your RV. This enhanced coverage bears a close resemblance to full coverage but adds to your property coverage and liability. It covers the upgrades you must make to an RV to turn it into a permanent home.

Contact Us

Wherever you live in North Carolina, Lee Insurance Agency LLC can help you obtain the policy you need. Call us today.

This is How Umbrella Insurance Protects You

You probably have auto and home insurance for your car and home, respectively. Why then would I need additional liability insurance? You may ask. Your conventional liability coverages may not always be enough to cover a significant liability claim. That’s the reason many people are turning to umbrella insurance.

Umbrella insurance offers additional financial security if the limit of the underlying liability policy is exhausted. We at Lee Insurance Agency LLC have seen it all. That’s why we encourage people in North Carolina to buy umbrella insurance, as it can save them from significant financial turmoil.

This is How Umbrella Insurance Protects You

Shields your assets and properties

If you have assets, consider umbrella insurance. Most people with properties or high net worth are at risk of lawsuits. Umbrella insurance protects your assets in case of costly lawsuits.

It offers you higher liability coverage

People assume that a standard insurance policy protects them entirely in an accident or incident. These coverages have limits, and the damage incurred may be more than the limit. In such circumstances, when the damage exceeds the limit, umbrella insurance kicks in and pays for all the expenses.

Provides you with additional coverage

Umbrella insurance offers a broader protection form that your standard liability insurance will not cover. Umbrella insurance covers incidences like slander, wrongful arrest, defamation, or libel, which the liability coverage may not cover in your car, auto, or boat insurance.

Umbrella insurance in North Carolina

Most people are surprised at how affordable umbrella insurance is compared to the value it adds to one’s life. Don’t wait until a disaster comes your way to find out the benefits of umbrella insurance. Protect yourself inside out with umbrella insurance from Lee Insurance Agency LLC in North Carolina. Call us today for an affordable quote.





3 things you didn’t know boat insurance covers

Although boat insurance isn’t a requirement in North Carolina, you don’t want to leave the marina without it. Boats are expensive toys and repairs can become costly. Even a small accident like denting a fiberglass hull while docking can result in thousands of dollars in repairs for which you’ll be on the hook without insurance. Furthermore, with so many boats and watercraft on the water, it’s unclear what operators are carrying the right insurance, so it’s best to ensure that you are protected via boat insurance. Similar to auto insurance, boat insurance covers many of the same incidents, such as liability coverage for injuries or property damage to third parties, comprehensive for damage incurred by storms or similar, collision for damage caused by accident, and uninsured/underinsured boater coverage to protect you from having to pay out of pocket if a vessel without insurance is at fault in an accident.

Keep reading to learn about a few items that we bet you didn’t know boat insurance covers.

Emergency Towing: As an optional coverage, you’ll want to be sure your insurance provider includes emergency towing if it’s of interest. Should your vessel be stranded because of engine problem, mechanical failure, or any other reason, you won’t be responsible for paying hefty tow fees because the insurance company will cover the majority.

Storage Coverage: If you store your boat out of the water during the off-season in a marina or boat yard, your boat will be protected from covered perils.

Personal Property Coverage: While the boat itself is expensive, so too are any personal items that you have onboard. Stop worrying about having to replace these items with personal property coverage. 

Lee Insurance Agency LLC is here to serve you.

For more information on boat insurance, let the team at Lee Insurance Agency LLC in North Carolina help. 

Liability coverage for your motorcycle

Lee Insurance Agency LLC is here to meet all of the insurance needs of the residents of North Carolina. This includes motorcycle owners and their insurance requirements.

Do you have adequate liability coverage for your motorcycle?

Owning a motorcycle provides a lot of excitement in your life, but this ownership also comes with responsibility. We are all too familiar with the serious medical injuries that can occur due to a motorcycle accident. Because of this reality, having adequate liability coverage is very important for all motorcycle owners in our state.

When you have adequate liability insurance coverage, you can rest assured that you will be protected. Any accident that happens when riding a bike can be catastrophic. However, you can shield yourself from the financial responsibility that is often a part of such accidents and mishaps.

Basic bike insurance may not provide the protection you will need if you are involved in an accident or injury-causing mishap. Your passenger, yourself, or an unrelated third party can sustain damages deemed your responsibility. When this occurs, having the right amount of liability coverage in place can make all the difference in the world. 

Let us help you with all of your insurance needs!

If you are a motorcycle owner who lives in North Carolina, the team at Lee Insurance Agency LLC is here to help you with all of your insurance needs. Call our office or stop by today to learn more about the motorcycle insurance policies available in our state. We look forward to working with you!

Partner Carriers

  • AAA
  • American Modern
  • ASI
  • Cabrillo Coastal
  • Dairyland
  • Foremost
  • Hagerty
  • Kemper
  • MetLife
  • monthly payment plan
  • National General
  • NC Grange
  • Progressive
  • RLI
  • Safeco
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal Property & Casualty
  • UPC
  • Wright Flood