Homeowners Insurance

Need a Homeowners Insurance comparison in the Concord, China Grove area?

If you’re like most homeowners in the Concord, and China Grove area, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

homeowners insurance China Grove NC

The Jason Bentley Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Regardless of whether you live in China Grove or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

China Grove and Concord Homeowners Insurance

If you’re not using an agent in your hometown like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

How to get started with your homeowners quote:

Every home is unique, and therefore requires a carefully crafted policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Condo Insurance

Looking for Condo Insurance in China Grove?

Jason Bentley Agency has you covered!

Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.

Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.

Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.

condo insurance China Grove NC

Condo insurance for Town-homes

It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.

If you live in a town-home, be sure that you have the correct type of insurance.

Jason Bentley Agency is here to help you understand the differences between a homeowner’s policy and a condo policy.

Renters Insurance

Looking for a better Renters Insurance Policy in China Grove?

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.

Let Jason Bentley Agency help you find coverage options that protect you, your family, and your personal property. Let us help make sure you’re properly covered.

What You Need to Know

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Protect Yourself and Your Guests

Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.

renters insurance China Grove NC

The Right Coverage, The Right Price

Whether you’re starting out, between homes, or downsizing, we’ll help you pick the best renters insurance coverage that best fits your needs.

Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.

Flood Insurance

Looking for Flood Insurance in North Carolina?

When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.

In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.

If you’re looking for flood insurance in China Grove we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse than others.

In most situations, you will have a 30 day waiting period when you buy flood insurance, so don’t wait until it’s too late!

flood insurance China Grove NC

Homeowners insurance does not cover flood damage

Regardless of whether you live in China Grove or any other part of North Carolina, flood insurance has to be purchased as a separate, stand-alone policy.

It is not covered by homeowners insurance.

Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.

If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Landlord Insurance

Cyber Liability

What is cyber insurance?

Cyber insurance covers your business’ liability for a data breach that includes sensitive customer information. This could include things like Social Security numbers, credit card numbers, account numbers, driver’s license numbers and even medical records.

Why doesn’t my general liability insurance cover cyber liability?

GLI covers bodily injuries and damage to property which is a result of your products, services or operations. Be sure to check your policy because cyyber insurance is usually not included in your general liability policy.

What does cyber insurance cover?

Legal fees and expenses as well as:
Restoring personal identities of affected customers
Notifying customers about a data breach
Repairing damaged computer systems
Recovering compromised data
What to look for as a cyber insurance buyer

Many well-known insurance companies offer cyber insurance policies. We work with the top carriers in the country to be sure your needs are met.

Like any business insurance, cyber insurance coverage varies by insurer and policy.

cyber liability insurance China Grove NC

When shopping around and comparing policies among insurers, here are some things to look for and ask about:

What are the deductibles? Be sure to compare deductibles closely among insurers, just like you do with health, vehicle and facility policies.
Does the insurance company offer one or more types of cyber insurance policies or is the coverage simply an extension to an existing policy? In most cases, a stand-alone policy is best and more comprehensive. Also find out if the policy is customizable to an organization.
How does coverage and limits apply to both first and third parties? For example, does the policy cover third-party service providers? On that note, find out if your service providers have cyber insurance and how it affects your agreement.
Does the policy cover any attack to which an organization falls victim or only targeted attacks against that organization in particular?
Does the policy cover non-malicious actions taken by an employee? This is part of the E&O coverage that applies to cyber insurance as well.
Does the policy cover social engineering as well as network attacks? Social engineering plays a role in all kinds of attacks, including phishing, spear phishing and advanced persistent threats (APTs).
Because APTs take place over time, which can be months to years, does the policy include time frames within which coverage applies?

Earthquake Insurance

Looking for Earthquake Insurance in China Grove?

When many people think of insurance, they think of their house, their car, and maybe life insurance. What many people don’t think about though is earthquake insurance.

While earthquakes don’t strike regularly, it only takes one minor tremor to cause significant damage to your home’s foundation, resulting in tens of thousands of dollars in damage if not more.

At Jason Bentley Agency, we take protecting your house very seriously, and that means not leaving any stones un-turned.

When we talk about insurance, the entire purpose of insurance is to transfer risk to an insurance company, therefore protecting your assets should the worst happen. Being that your home is most likely your most valuable asset, it only makes sense to explore the benefits of earthquake insurance.

Homeowners insurance does not cover earthquakes

In many states, earthquake insurance is sold as a stand-alone policy, meaning that is does not come as a part of your homeowners policy. Homeowners policies don’t cover earthquakes in any way, so it’s important to understand this catastrophic exclusion that exists in your coverage.

Earthquake Insurance Coverages

Like homeowners insurance, earthquake insurance’s main duty is to protect your home. This means the most important coverage limit on your policy is the “Dwelling Coverage” limit, which is designed to cover the main structure of the home.

There may also be coverage for personal property as well.

You will also have a deductible, which can range anywhere from $1,000 up to $10,000 or possibly more. Like homeowners insurance, the higher deductible you take, the lower your premium will be.

earthquake insurance China Grove NC

Umbrella Insurance

Umbrella Insurance is critical to your insurance plan

If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?

Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.

Life can be unpredictable and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets.

Umbrella Insurance example scenario

To get a better sense of what Umbrella Insurance is and how it would work in a real life situation, it helps to think about it in action.

Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $850,000. However, the liability limits on your Auto policy are only $300,000.

In this case, your insurance would pay only $300,000 for the entire accident, and you would be responsible for the remaining $550,000 out of your own pocket!

With an Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $300,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage).

In other words, you wouldn’t be left paying the remaining $550,000.

More examples…

your dog bites a neighbors child
fire at your condo spreads to other units
accident at your rental property

How much does Umbrella insurance cost?

One of the things that makes Umbrella insurance so appealing, and almost a no-brainer in most situations, is that the cost is generally very low.

Most insurance carriers offer coverage starting at around $150 per year. The cost of your policy goes up based on the amount of cars and homes you need it to overlay, but in general the cost is pennies on the dollar, and all the risk is on the insurance company.

Even if your premium was $300/yr, the insurance company is on the hook for at least $1,000,000. That is a tremendous value, and something that everyone should think about given the litigious nature of our society.

It only takes one accident to potentially bankrupt yourself

If you don’t have enough coverage, and in a world where medical expenses are sky rocketing, it only make sense to think about purchasing Umbrella insurance.

To get started with your quote, call our office, or click over to our quotes page and our team will shop the marketplace to see who offers the best coverage.

Keep in mind that most insurance carriers require that you have at least your auto insurance policy with them in order to qualify for their umbrella.

Stand alone umbrella policies are available also for special situations.

Auto Insurance

Looking for Auto Insurance in the Concord, China Grove North Carolina area?

The Jason Bentley Agency has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

Whether you live in Concord, China Grove, or any other part of North Carolina, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.

You’re at risk every single time you get into your car.

It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Are you also looking for specialty coverage on a classic or unique vehicle. Click here for a Hagerty Classic Car Insurance quote.

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because the Jason Bentley Agency has many insurance companies , we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two auto insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverage’s and wonder exactly what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

How to get started with your car insurance quotes

If you live in the Concord, China Grove North Carolina area and are looking for a car insurance comparison, Jason Bentley Agency makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

Also if you have a classic car and want to get a quote for that just give us a call or click on this link for Hagerty Car Insurance.

To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!