ALLCHOICE Insurance

The standard North Carolina home insurance policy doesn't cover damage caused by earthquake! However, the most carriers allow you to endorse the home insurance policy to include earthquake.

Dave Ramsey Recommends you purchase life that equals 10 – 12 Times your annual income

Suze Orman recommends you purchase life insurance that equals 25 Times your annual income

Clark Howard Recommends the following: 1. (Family Monthly Expenses – Spouses Monthly Income) x 12 = Annual Shortfall 2. Annual Shortfall ÷ 4% = Total Income Replacement 3 Income Replacement + Outstanding Debts = Total Life Insurance Need

The Amount Homeowners Insurance will pay for tree removal varies by policy form: The HO3 Form pays up to $500 for each tree with a $1,000 total limit. The HE7 Form pays up to $1,000 for each tree with a $2,000 total limit.

Yes! Homeowners Insurance will pay for tree removal if certain conditions are met

Yes! Long Term Care planning is becoming more important. We offer LTC planning that includes regular Long Term Care Insurance policies as well as Hybrid Long Term Care via Life Insurance riders and fixed annuity riders

We offer all standard types of life insurance including: term life insurance, whole life insurance, and universal life insurance

Every small business that collects personal information (names, dates of birth, social security numbers, drivers license numbers, etc) or financial information (routing & account numbers, credit card numbers, debit card numbers) should strongly consider a Cyber Liability Policy

The premiums for Employment Practices Liability (EPLI) vary greatly but based upon the amount of coverage you want and the number of employees you have

Business Umbrella policies are extremely affordable with premiums starting around $300 a year

Generally speaking, you need to have workers compensation insurance if your business employs any workers (whether W2 employees or 1099 Contractors), however the laws in each state have different requirements and mandates

Yes! Business Auto Insurance is one of the largest segments of our insurance agency!

General Liability Insurance premiums vary greatly depending upon certain risk factors, but can start as low as $300 a year

Yes! We specialize in both Business Insurance and Personal Insurance!

Flood Insurance premiums vary greatly depending upon which Flood Zone your home is in. However, if you live in a low risk Flood Zone (Zone B, Z, & D, & X)

Of course! We offer stand alone Inland Marine policies to cover your jewelry, but we typically include this type of coverage as an endorsement to your home insurance policy

Personal Umbrella policies are extremely affordable with premiums starting around $100 a year.

We offer insurance coverage for regular homes & Townhomes (using HO3 and HE7 Forms), renters (using HO4 Form), and condos (using HO6 Form)

Yes! We have some of the top rated auto insurance companies to make sure you are getting the best value possible

For most auto insurance policies (please refer to your actual auto policy) if you have Comprehensive Coverage (referred to as Other Than Collision Coverage) then the carrier will pay to have the stolen Key Fob replaced and the car reprogrammed. Additional Fobs would need to be reprogrammed at your own cost. The carrier will not pay to have the actual Mechanical Locks replaced

A certificate of insurance is actually a form that shows what liability coverage a person/company has. Most often, Certificates Of Liability Insurance are used by people or companies in the construction industry.