Dare Insurance Agency is privileged to serve the insurance needs of our individual clients. Our team takes the time to determine which carrier(s) and coverage suits your needs.
Available Coverage
- Homeowners Insurance - Your home can be protected against loss from theft, liability and most common disasters with this real estate insurance policy.
- Condominium Insurance - This coverage protects your condominium structure wall to wall in addition to personal contents that are not covered by your association insurance.
- Renters Insurance - Although renters do not own the building; physical damage losses could occur to owned contents. Coverage is needed for personal and premises exposures. This is a self-contained package, much the same as a homeowner's policy, with endorsements available to add or increase coverage.
- Personal Umbrella - A personal umbrella is excess coverage that protects you if you are sued. This excess insurance covers you after your primary insurance has paid maximum liability limits.
- Watercraft - Boats are a great source of entertainment but watercraft coverage ensures that you are protected if an accident occurs.
- Flood - A flood policy can protect your investment from flood damage caused by the complete overflowing of inland or tidal waters onto the land or rapid and unusual accumulation of surface waters that put your home in jeopardy.
- Personal Auto Insurance - You are required by law to be financially responsible. Liability insurance is a prerequisite to registering your car. If you want to drive your own vehicle or secure a NC drivers license, you must be insured.
- Personal Floaters - Floaters are endorsements which allow carriers to write specific insurance for valuable personal property.
Life and Health Insurance
- Accident Insurance - To help give your family the financial security they deserve; this coverage can provide benefits for your family when an accidental injury occurs.
- Disability Insurance - This coverage benefits employees disabled by sickness or accident not related to employment. This health insurance coverage provides benefits in the form of income (usually weekly or monthly).
- Long Term Care - Nursing home or home health care costs including room, board and medical expenses can be covered with Long Term Care and are sold on a group or individual basis.
- Life Insurance - Life insurance provides cash to your family after your death. This death benefit replaces your income and can help your family cover living expenses, mortgage payments and college savings, etc. There is no federal income tax on life insurance benefits.
- Medical Insurance - With health care costs continuing to rise, today more than ever, quality major medical insurance is an absolute necessity. Medical insurance provides long-term protection and comprehensive medical coverage for you and your family.
- Dental Insurance - Dental Insurance Plans are designed to meet the oral health needs of you and your family. This coverage may include simple checkups, route canals and braces.
