Coverage
What are you protecting?
We’re an independent agency, so we compare coverage across many carriers instead of selling one company’s policies. Start with what matters most to you — a licensed local agent will help you weigh the tradeoffs.
Protect my home & family
Coverage for the place you live and the people who depend on you — including the flood risk that standard homeowners policies leave out.
Protect my vehicle
Cars, trucks, and boats on Eastern North Carolina roads and waterways, with the liability limits that changed under NC law in 2025.
Protect my business
From a first general-liability policy to a full commercial program — matched to your industry, payroll, and the risks you actually face.
- BOPLiability, property, and income in one policy
- General LiabilityThe first policy most businesses buy
- Commercial PropertyCover the building and everything in it
- Commercial AutoCoverage for vehicles on the clock
- Worker's CompRequired in NC at three employees
- Cyber LiabilityFor breaches, downtime, and lost data
- EquipmentProtect the tools that power your business
- Dump & Straight TruckSpecialized coverage for your heavy-duty fleet
Protect a rental or investment property
Landlord and rental coverage that a homeowners policy will not — for long-term rentals, short-term/vacation rentals, and vacant properties.
Handle a specialized risk
Project- and situation-specific coverage for the exposures that off-the-shelf policies do not address.
Not sure which coverage you need?
That’s exactly what an independent agent is for. If you’re buying a first home, starting or growing a business, adding a rental, or facing a risk you haven’t insured before, talk to us before you buy — we’ll explain what’s included, what’s commonly excluded, and where North Carolina rules matter.