First things first: independent agents (like us) do not set your insurance rates. Our job is to help you find the best coverage and value by comparing different companies and policies that fit your needs. We’re your advocates, not your price-setters! How…
The insurance industry is facing massive financial strain due to natural disasters, and the numbers at a local level put things into perspective. Here in Transylvania County, the average home price is $443,000, and there are 19,401 households. With the average homeowner’s premium at $1,790, insurance companies collect…
With the recent natural disasters in Western North Carolina, we’ve been getting a lot of questions about what an insurance policy actually is—and more importantly, what it covers. Whether you’re dealing with storm damage, flooding, or other unexpected events, understanding…
After a turbulent few years for the insurance industry—marked by challenges from COVID-19, economic shifts, and historic property and casualty losses—many are wondering what 2025 might bring. In 2022 and 2023, insurers faced unprecedented losses, with claims reaching record levels…
Introduction When selecting insurance, it’s easy to focus primarily on the cost, especially with how main-stream marketing depicts insurance. However, the true value of an insurance policy lies in its coverage, not just its price tag. After all, having inadequate…
Introduction Insurance rate increases can be a source of concern for many policyholders. Understanding the reasons behind these increases and knowing the steps to take when they occur is essential in managing your insurance costs effectively. This guide provides practical…
Introduction In the ever-evolving world of insurance, the role of an independent insurance agent has become increasingly crucial. Unlike captive agents, independent agents offer a unique value proposition to their clients, providing a wide array of insurance options from various…
