Frequently Asked Questions

At Tar Heel Insurance Agency in Statesville, NC, we understand that navigating insurance options can be complex. Whether you’re looking for auto insurance, homeowners insurance, commercial insurance, or Medicare insurance, our goal is to provide you with clear, concise information to help you make informed decisions.

What services does Tar Heel Insurance Agency offer in Statesville, NC?
Tar Heel Insurance Agency provides a wide range of insurance services including auto insurance, homeowners insurance, commercial insurance, Medicare insurance, and additional insurance services like bonds, general liability, and umbrella liability. Our insurance agents are here to help you find the coverage that best suits your needs.

How can I get the best car insurance rates in Statesville, NC?
To get the best car insurance rates in Statesville, NC, consider factors like your driving record, vehicle type, and coverage needs. Our insurance agents can help you compare quotes and find discounts tailored to your situation.

What does homeowners insurance from Tar Heel Insurance Agency cover?
Our homeowners insurance covers property damage, liability protection, and additional living expenses if your home becomes uninhabitable. It also includes protection against common risks like fire, theft, and vandalism. Our team can customize your policy to fit your specific needs.

What types of commercial insurance do you offer?
We offer a variety of commercial insurance options including property insurance, general liability, worker’s compensation, and professional liability. Our policies can be tailored to protect your business from various risks.

How can Medicare insurance from Tar Heel Insurance Agency benefit me?
Our Medicare insurance plans help cover medical expenses not paid by Medicare, such as prescription drugs, dental, and vision care. Our agents can guide you through the enrollment process and help you choose the plan that best fits your healthcare needs.

What are the benefits of having umbrella liability insurance?
Umbrella liability insurance provides extra coverage beyond your existing policies like auto and homeowners insurance. It protects against large claims that exceed your standard liability limits, offering additional peace of mind. Learn more about our additional insurance services and how umbrella coverage can benefit you.

How does workers’ compensation insurance work for businesses in Statesville, NC?
Worker’s compensation insurance provides coverage for employees who are injured or become ill as a result of their job. It helps cover medical expenses, lost wages, and rehabilitation costs. This insurance is essential for protecting both your employees and your business.

What types of bonds are available through your agency?
We offer various types of bonds, including surety bonds and fidelity bonds, which protect against financial loss from fraud or dishonesty. Our insurance agents can help determine which type of bond is best suited for your needs.

How does inland marine insurance benefit businesses in Statesville, NC?
Inland marine insurance provides coverage for property in transit or equipment used in various locations, such as construction sites. This type of insurance is essential for protecting valuable goods and equipment. Contact our insurance agents for more details on how inland marine insurance can benefit your business.

Why should I consider professional liability insurance for my business?
Professional liability insurance protects against claims of negligence or errors in professional services. It’s crucial for businesses offering professional advice or services, such as consultants and lawyers. Learn more about our commercial insurance options to ensure your business is adequately covered.

What does general liability insurance cover for businesses in Statesville, NC?
General liability insurance covers third-party claims for bodily injury, property damage, and personal injury. It’s essential for businesses to protect against common risks and legal claims. Our commercial insurance policies can be customized to fit your business’s specific needs.

How can I choose the right Medicare plan with Tar Heel Insurance Agency?
Choosing the right Medicare plan involves evaluating your healthcare needs, budget, and preferred providers. Our Medicare insurance specialists can assist you in comparing plans and selecting the one that offers the best coverage for your situation.

What should I know about umbrella liability insurance before purchasing?
Before purchasing umbrella liability insurance, consider how much additional coverage you may need beyond your existing policies. This type of insurance is ideal for protecting against significant claims and lawsuits. Our insurance agents can help assess your needs and recommend the appropriate coverage.

How can I benefit from having both homeowners and auto insurance with Tar Heel Insurance Agency?
Bundling your homeowners insurance and auto insurance with us can lead to cost savings and simplified management of your policies. Our agents can help you explore bundle options and find discounts.

What additional insurance services does Tar Heel Insurance Agency provide?
In addition to auto, homeowners, commercial, and Medicare insurance, we offer various additional insurance services including inland marine, fidelity & crime, and more. Our comprehensive range of services ensures that you have coverage for all your insurance needs.