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Tarheel Insurance Group

201 N Front St
Suite 915
Wilmington, NC 28401

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Confused About Home Insurance? Here’s Your Guide

Are you confused about home insurance, or are you buying your first policy? Please use this simple guide by Tarheel Insurance Group to understand how your policy protects your Wilmington, NC, home from serious issues.

Understand How Home Insurance Protects You 

Your home insurance policy will cover most natural disasters, accidents within the home, and theft from other individuals. However, it will NOT pay for any damage you’ve done to a home, such as damage to the walls caused by poor attempts at home repair. Typically, these policies will cover other elements associated with those three factors mentioned above, including:

  • Repairing and replacing home elements damaged by severe hail storms 
  • Fixing or replacing a home damaged or destroyed by a fire 
  • Lawsuit coverage if someone gets injured in your home due to your negligence 
  • Healthcare coverage for those injured people – but not for you if you get hurt in your home 
  • Replacement of stolen items taken from your home after your policy was made 
  • Resettlement costs or temporary housing needs while your home gets repaired 

Many policies may also cover sudden floods that are not your fault. However, leaks or other wear-and-tear problems that were due to your negligence are NOT covered. Your policy also generally pays for dog bites or pet damage, as long as you have included it within your coverage. Thankfully, you can adjust your policy as needed and extra coverage options to suit your needs. 

Ready for a Great Policy? 

Do you want a home insurance policy that makes sense for your needs? Then, please contact us at Tarheel Insurance Group right away to learn more. We serve the Wilmington, NC, area and will give you the help that you need. Our team is always waiting to help our many customers find a new policy.

Classic Car Insurance Will Keep Your Collection Safe

Owning a classic car collection can be a significant joy and a headache if you ever experience damage or other complications. Thankfully, we at Tarheel Insurance Group can provide Wilmington, NC, car owners with high-quality classic car insurance that keeps your collection safe.

How Classic Car Policies Enhance Value

Classic car insurance policies are different from standard options because they are treated more like a "collector’s insurance" option rather than on a vehicle you use regularly. As a result, they can improve the value of your collection when you insure each of your cars, making it more valuable if you ever decide to sell or replace any of the vehicles in your classic car collection.

That’s because you create a policy based on agreed-upon replacement value rather than a standard policy that will assess your car’s value after it is damaged or needs replacement. This setup is necessary because classic cars are rare and need specialized protection to minimize serious complications. 

Classic Car Insurance Protects Against Damage

Beyond enhancing the value of your collection, good classic car insurance also helps to protect you from various types of damage. Typically, your policy will help to repair or replace your classic car when it experiences:

  • Damage caused when taking your car to a show 
  • Problems caused by natural disasters 
  • Theft, vandalism, or other concerns 

High-quality classic car insurance is designed to handle the unique challenges common with owning and showing off these vehicles. And it gives car owners the best chance of compensation after damage. 

How We Can Help 

Do you want classic car insurance to protect your investment and stay safe from severe financial loss? Then, please contact us at Tarheel Insurance Group to learn more. We serve the Wilmington, NC, area and will do what we can to help your collection stay safe.

Renters Insurance Explained

Renters insurance safeguards your personal property against damage or loss and covers you if someone gets injured while in your rented condominium, home, or apartment. If you reside in a rented dwelling in Wilmington, NC, your landlord’s insurance neither covers your assets nor provides liability protection. Given this reality, you need renters insurance from Tarheel Insurance Group to help you financially if a calamity strikes.

Is renters’ insurance coverage mandatory in North Carolina?

Renters insurance is not mandatory in North Carolina. However, some landlords may require you to maintain it for you to reside in their building. Additionally, it’s a prudent idea to possess some form of coverage as your landlord’s insurance won’t cover your possession against damage.

Renters insurance coverage options North Carolina

When shopping for renters insurance in NC, you will encounter the below coverages: 

  • Personal property coverage: It safeguards your personal belongings if they get ravaged by disasters such as fire, vandalism, theft, and so forth. This policy will also reimburse you for your items if they get damaged or burglarized away from your dwelling. However, this coverage provides limited coverage to high-value jewelry, money, securities, and manuscripts. In such cases, secure floater coverage for maximum protection. 
  • Liability coverage: If a guest gets injured at your rented property or if you inflict injuries to third parties or cause damage to their assets, this type of coverage kicks in to cater for legal fees and medical costs.
  • Additional living expenses/loss of use: Some disasters like a hailstorm and other covered perils can turn your condominium uninhabitable. This coverage helps in paying costs when seeking temporal shelter as your rented dwelling is undergoing repairs. 

Buy renters insurance today!

Get a renters insurance quote without any confusion in Wilmington, NC. Call or visit our Tarheel Insurance Group offices and acquire details on what renters’ insurance covers, the type of coverage you need, and when you need it.

Additional eventualities covered by a specific RV policy.

Living in the picturesque town of Wilmington, NC makes owning an RV almost a necessity, and insuring your investment is a smart move. A specific RV insurance policy provides far superior coverage than homeowner’s insurance alone. Tarheel Insurance Group policies include the following:

Roadside assistance

Your fun trip will likely be spoiled if your RV breaks down in the middle of nowhere. With RV insurance, you can call 24/7 roadside assistance to find a qualified mechanic and get you going again. The policy also covers other common mishaps like getting a flat tire, dead battery, or running out of fuel. It is reassuring that people can help if you get stuck on an open road.

Total loss replacement

RVs are large vehicles, and sometimes their size makes them prone to accidents. If your vehicle is damaged beyond repair, the insurance company will pay for a replacement, less the deductible. If your RV is older than three years, they will pay out the amount specified on the policy. Some policies can reimburse the original purchase price instead of replacing your RV. Take time to chat with our Tarheel Insurance Group brokers to help you choose the right coverage.

Your pet’s health coverage

The policy also provides coverage for your four-legged companions. After all, what is a family vacation if you cannot bring your furry buddies? But taking them on a road trip may lead to accidents, injuries, or illness. You can claim vet expenses up to a specified limit without a deductible.

As you see, there are many advantages to taking out a specific RV policy if you plan to explore Wilmington, NC, and the surrounding area. Don’t take chances with your investment and come to talk to the Tarheel Insurance Group advisor.

Will Boat Insurance Cover Your Boat When It Is On Dry Land?

Boat insurance is one of those insurance policies that can provide value in a lot of unique ways. Think about what happens to your boat throughout the year. The boat goes from dry land, preparation for the boating season, hitting the water, removal, preparing for winter, and storage. This is the cycle of most boats from one season to the next, and there are many opportunities for something to go wrong. This is where the boat insurance that we provide at the Tarheel Insurance Group comes into play.

Boat Insurance and the Dry Land Factor

Most would assume that boat insurance will provide you with coverage if you have your boat out on the open water. This is very likely the case, but what happens when that boat is now on dry land? When you have the boat out of the water, on a trailer, or lifted and stored for the winter, where does the boat insurance coverage begin and end?

Many would immediately think that when the boat leaves the water, you can get rid of the boat insurance coverage until next year. This could not be farther from the truth for boat owners.

Keep the Boat Insurance Active

You want to keep your boat insurance policy active when your boat is on dry land. You want to keep in mind all of the risks that come along with your boat throughout the year, such as fire and theft when on dry land. With boat insurance, you can have adequate protection over these things should something happen to your boat.

Our team at the Tarheel Insurance Group in Wilmington, NC wants you to fully understand what boat insurance is all about and where the benefits come in. Let us help walk you through the types of coverages, and where and when they go in effect, so you can take full value from your boat insurance policy.

Types of Motorcycle Insurance Offered In North Carolina

Whether your bike is your daily mode of transport or it’s a weekend ride, purchasing motorcycle insurance is a smart choice to protect your invaluable asset. Additionally, because most states require you to show proof of insurance before registering your motorcycle, sorting your insurance ensures you are on the right side of the law. The consequences of riding an uninsured motorcycle are hefty. You can get fined, or worse, your license could be suspended.

On the other hand, a motorcycle accident can easily slide you into financial ruin. Medical costs, legal costs, and property damage liabilities can quickly slump you into financial turmoil. Fortunately, for North Carolina riders, you can take control of your bike’s insurance by partnering with Tarheel Insurance Group located in Wilmington, NC. Here, we will introduce you to the following motorcycle insurance types and help you choose those that meet your needs.

Types of motorcycle insurance

For your information, motorcycle insurance can cover different bikes, such as scooters, classic motorcycles, motocross bikes, dirt bikes, mopeds, and trike bikes. Some motorcycle insurance options include:

  • Bodily injury liability coverage: Covers injuries caused to another driver in an accident, which you are at fault. It’s mandatory in North Carolina and covers medical wages and legal costs if you get sued. While it’s important to comply with the state’s minimum, double-check with your agent to ensure that you carry adequate coverage.
  • Property damage coverage: It covers property damages caused by your motorcycle to third-parties.
  • Collision coverage: Covers your motorcycle when it collides with another bike or any other object, like a tree.
  • Comprehensive coverage: Covers your motorcycle from perils like theft, vandalism, hails, fire, and natural risks stated in your policy.
  • MedPay: Covers medical expenses if you or your passengers sustain physical injuries in a motorcycle-related accident.
  • Uninsured/ underinsured motorist coverage: Covers you in hit-and-run incidences or when you have a collision with a motorist with inadequate or no insurance coverage.

Ready to purchase motorcycle insurance? Contact Tarheel Insurance Group situated in Wilmington, NC for motorcycle insurance solutions. We will help you navigate the motorcycle insurance landscape, helping you get the right coverage suitable for you.

Why Stay-At-Home Parents Need Life Insurance, Too

As parents, you would do anything to protect your children. One of those ways is by having life insurance if the unthinkable happens, and the primary breadwinner in the household suddenly passes away. However, even the parent in charge of taking care of the kids while their spouse or partner works needs coverage. Here are a few reasons why stay-at-home parents need life insurance from Tarheel Insurance Group in Wilmington, NC.

A Stay-at-Home Parent Does a Lot

From helping with homework to making meals, it is easy to say that a stay-at-home parent does a lot to keep the household running. If they were suddenly gone, would you be able to take on those duties? Or would you have to hire someone, even temporarily, to help out? Would you suddenly have a large childcare bill?

These are why it is so important to purchase life insurance for the parent who stays at home. Their value in your household is immense, and without them, you’ll be saddled with numerous financial costs to keep everything on track.

Life Insurance to Pay for Funeral Expenses

The standard burial or cremation for a person in North Carolina can easily exceed several thousand dollars. While it isn’t pleasant to think about, this is a reality that many families are faced with after the death of a loved one.

Having life insurance to cover these costs is important. Instead of taking on a financial hardship during an already difficult time, you can rest assured that everything will be taken care of in terms of final expenses.

If you’re ready to start the discussion about buying life insurance in Wilmington, NC, we would love to talk with you. Please contact our team at Tarheel Insurance Group today to schedule an appointment.

Common Myths about auto insurance

Shopping for auto insurance may be a hard task, especially if you have never done it before. There are so many things and factors that need to be taken into consideration. It is even more complicated because of so many misconceptions about auto insurance that can make shopping more confusing. To help you make an informed decision and pick the right policy, here is a list of the most common myths about this type of insurance prepared by Tarheel Insurance Group serving Wilmington, NC:

Myth 1: Older Drivers Have to Pay More For their Auto Insurance

The truth is that it is completely the opposite. If you are an older driver, you may be qualified for different discounts. For example, drivers at 55 and older can reduce their auto insurance costs if they successfully finish an accident prevention course. 

Myth 2: A Credit Score Does Not Have an Impact on Your Premiums

Unfortunately, it does. A good credit score serves as an indicator for insurance companies that a person is a good driver and less involved in car accidents. Therefore, in most cases, drivers with lower credit scores have to pay more for their car insurance. 

Myth 3: Red Cars Cost More To Get Insured

The good news is that the color of your car does not determine the cost of auto insurance. Many other factors impact your premium, and color is not one of them. Therefore, if you are an owner of a red vehicle, you have nothing to worry about – you will not have to pay for your insurance more than owners of other cars. 

In the state of North Carolina, driving without proper auto insurance is considered illegal. Therefore, if you have purchased a car, one of the first things you need to consider is getting an auto insurance policy to protect your precious possession, yourself, and other people on the road. Tarheel Insurance Group is an insurance agency serving Wilmington, NC is ready to assist you and help you choose the perfect auto insurance. If you have any questions, do not hesitate to visit our website or give us a call.

How can commercial insurance protect my Wilmington business?

Owning a business is a dream that many people have. When you own a business, you will work for yourself and could have a lot of success. One important decision that you will need to make is around where you will establish your business. When looking for a new location for your company, you should consider Wilmington, NC, as it offers many amenities to business owners. While you can be quite successful here, you need to get proper insurance for your company to protect your business in several ways. 

Insurance Gives Liability Coverage

All businesses are going to take on some liability risk regularly. If you sell a product or service of any kind, you could be held responsible if an accident occurs that results in damages. Since these costs can be high, you will want to be properly protected with insurance. When you get a commercial policy, it will provide the coverage you need.

Insurance Protects Business Assets

Another advantage of your commercial policy is that it will protect your business assets. Business owners will have to invest in inventory, equipment, and other assets that are needed to keep the business running. With a proper insurance policy, you can protect your assets against a variety of risks. 

Anyone who wants to start a business in the Wilmington, NC area must carefully consider their insurance needs. One important form of insurance needed is commercial insurance, as it can protect your company in several ways. As you are looking for a policy here, you should call Tarheel Insurance Group. The team at the Tarheel Insurance Group can help you better assess your needs and choose a proper policy that meets your needs. 

Why do I need home insurance here?

The Wilmington, NC area offers a lot of advantages to residents. The strong local economy, various recreational options, and other benefits can make it a great place to own a home. If you are going to purchase a home here, you need to get insurance for it. There are several reasons why you will need to get a full home insurance policy for your North Carolina property.

Insurance is a Lender Requirement

One reason that you will need home insurance is that it is a lender requirement. Most people in North Carolina are going to take out a mortgage to buy the property. Along with the financing, you will have specific insurance requirements. To ensure that you stay in good standing, you need to understand and follow your home insurance requirements. Most of the time, your lender will need to approve your policy and will escrow for payments.

Association Requirements

Depending on where you live, you may also have requirements for home insurance set by your home association. Any association will have a set of bylaws that will include a requirement to carry home insurance at all times. If you do not have this coverage, you could find yourself in default with your association, and you could also be fined. 

As you are looking for home insurance in the Wilmington, NC area, it is important that you speak with the team at Tarheel Insurance Group. When you are looking for insurance, you could find that choosing the right policy to meet your needs is confusing. Fortunately, if you do call Tarheel Insurance Group, you can learn more about the advantages that this insurance provides. They can then help you build a new policy that ensures you comply with your obligations and get proper coverage. 

Partner Carriers

  • Allstate
  • Attune
  • Cabrillo Coastal
  • Chubb
  • Dairyland
  • Foremost
  • Geovera
  • Grange
  • Guard Insurance Group
  • Hagerty
  • Heritage
  • Kemper
  • Liberty Mutual
  • Lighthouse
  • National General
  • Nationwide
  • North Carolina Joint Underwriting Association (NCJUA)
  • Progressive