Frequently Asked Questions on Insurance in Pinehurst and Southern Pines NC

Can I buy homeowners insurance if I do not live in North Carolina?

No. If you own property anywhere in North Carolina, we can sell you insurance coverage since our agents and agency are licensed in this state.

Can I buy auto insurance if I do not live in North Carolina?

We can sell insurance for autos if they are principally garaged in North Carolina and registered here with the NC Department of Motor Vehicles.

Will I receive a discount if we live in North Carolina and insure both home and autos with your agency?

Yes, you can be eligible for credits up to 15% on the home and 10% on the autos when both are insured with one of our insurance companies.

How long do I have to obtain my North Carolina drivers license after moving to North Carolina?

You will need to obtain your new North Carolina driver’s license within 30 days of permanent residency. You will need to register your vehicles with North Carolina the same time you purchase North Carolina car insurance.

How will my homeowners insurance costs be calculated?

Homeowners insurance premiums are determined by a number of ways, which can be a combination of the following criteria: Square footage of the home - is the home masonry or frame construction - when was the home constructed - is it located within the city limits or outside the city limits - will there be any special property insurance needs such as valuable items or increased personal liability coverage?

I am moving to North Carolina and while my new home is being constructed, I will be living in a rental house. Will my homeowner's insurance policy cover my personal property while I am living in the rental house?

Up to 10% of your personal property will be covered, which is often not sufficient. We recommend you purchase renters insurance to cover the full value of your personal property.

Will by homeowners policy include flood coverage?

No, you will need to purchase a flood insurance policy. Our office will provide the information concerning your flood insurance needs. We also can provide you this valuable flood coverage.

Will my homeowners policy cover my jewelry?

The standard North Carolina policy limit is $1,000 for theft loss, with the HPP endorsement, it increases the coverage to $3,000. Full coverage may also be purchased through an Inland Marine endorsement to your current policy.

Is my computer covered under my homeowners policy?

It is covered under your homeowners policy up to $1,000, with the HPP endorsement, it increases the coverage to $2,000.

Can I get all my insurance from Agency One?

Yes. We are licensed in North Carolina to sell many different lines of insurance.

Should I look into insurance before I purchase my first car?

Yes. Many different factors help determine the cost of your insurance coverage. Ask about these factors and what you can do to acquire the coverage that best suits your needs.

Will moving cause problems with my insurance?

Some adjustments may be necessary to allow for continuance of coverage. Make sure to contact us if you move.