Protecting your home and possessions is a job that we take very seriously. We offer a full line of insurance coverages that are tailored to your specific needs.

Homeowners insurance will cover your home, which could be a condo or an apartment. This coverage includes personal property such as clothing, furniture, appliances, and sports equipment. These policies could also include a secondary home you own.

An overlooked policy that many home and apartment renters need is Renters Insurance. Renters Insurance protects you from loss of personal items when renting an apartment or house.

You may find that you need special protection for items in your home. Costly items such as expensive jewelry, silver, artwork and antiques may need more coverage that what your standard homeowner’s policy can provide. A Personal Articles Floater is designed to cover above and beyond your homeowner’s policy. It gives you ALL RISK protection.

Umbrella coverage insurance is additional liability insurance applied as excess over primary policies, such as personal liability, auto liability, watercraft liability, limited business pursuits liability and rental liability. This coverage is designed for people who have something to protect above and beyond traditional insurance coverage.

You love the water and have invested in some type of watercraft. It is important to protect your investment by having Watercraft coverage. Watercraft coverage will cover your personal boat, yacht or jet skis.

It is important to understand that homeowner’s policies do not include flood insurance. Flood insurance is a separate policy to protect your home in case of flood. In North Carolina, with the frequency of flooding from hurricanes, a flood policy will protect you in your greatest time of need.

If you have a property that doesn’t need the full coverage of homeowners’ insurance you may want to consider Dwelling Fire insurance. A property you own that is tenant occupied, either by a renter or non-owner occupancy, is an excellent choice for Dwelling Fire Insurance. Other structures such as sheds, detached garages, and barns on your property are also good candidates for Dwelling Fire Insurance.

Contact us today to find out what coverages are best for your particular situation.

* Please note that coverage cannot be bound by email or voicemail. You must speak with a Bagwell & Bagwell representative.