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Our blog has helpful information about the insurance products we have to offer to our valued clients in North Carolina, South Carolina, Georgia, Tennessee, Texas, and Florida.
At Larry W. Payne Insurance, we want our clients in North Carolina, South Carolina, Georgia, Tennessee, Texas, and Florida to feel like they have the right insurance and that they fully understand their policy. For this reason, we regularly update our blog with helpful information about our insurance products, as well as tips and tricks for understanding different types of insurance policies and how they work.
Auto insurance rates across North Carolina are climbing due to repair costs, severe weather, and parts inflation. Discover why your premium increased and how working with an independent agent in Lake Norman or Waynesville can help you compare 30+ top carriers to secure significant monthly savings.
Living on or near Lake Norman brings unique insurance considerations that standard homeowners policies often miss. Discover how to properly insure boat docks, seawalls, personal watercraft, and umbrella liability in Iredell and Mecklenburg counties.
From residential construction around Lake Norman to commercial sub-contracting in Western NC, contractors face daily liabilities. Learn essential coverage types including General Liability, Workers’ Comp, and Inland Marine tool protection.
Adding a newly licensed teenager to your auto policy can send premiums soaring. Discover practical strategies to keep costs under control in North Carolina, from good student discounts to strategic vehicle assignment and umbrella liability.
As a landlord, you can require your tenants to obtain a renters’ insurance as part of the leasing process. In fact, most landlords do. Just require your tenant to provide proof of the renter’s insurance prior to them signing the lease agreement.
Every day, you’re surrounded by risk. However, this doesn’t mean you should lock your doors and never enjoy the sunshine. Rather, it simply means you should manage this risk with the right insurance company.
Insurance is one of the most overlooked aspects of running a successful farming operation. Although knowing what types of farm insurance policies are available, what you should insure, and how much coverage you need can be daunting, insurance is one of the best ways to reduce risk on your farm. In many cases, it can help your farm recover from disruptions caused by accidents, natural disasters, and market devaluation.
If you own a vehicle, possessing a vehicle insurance policy is an absolute necessity. If you have always been curious about why you pay what you do for vehicle insurance and how much your premiums are, here are a few of the key factors that can affect your policy:
If you are like many people, you may think of home insurance as a necessary evil. However, home insurance is extremely important, since it is designed to protect one of your biggest assets – your house. To make sure you are able to get the most out of your policy and use it successfully if you ever need to file a claim, we recommend the following:
Navigating the health insurance industry independently can be overwhelming at best. At Larry W. Payne Insurance, we are here to make shopping for a new health insurance policy a little bit easier by going over some of the most common terms used when talking about medical coverage today: deductibles, coinsurance, and copays.
We’ve been working on a new site for the last month, and we’re pleased to say it’s finally live! What do you think of it? Got any comments or feedback? Please let us know by posting a message below.
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