Author Archives: spivey

Wind storms, severe rain, brutal snow storms…what’s the common denominator besides the fact that they are all products of Mother Nature’s cruel humor? They’re all major culprits for causing downed trees and destruction. But when that tree takes a tumble into your backyard, onto your roof, or right through your hot rods window, who is going to cover the financial woes? That answer to the question is, “it all depends.” Your Charlotte home insurance policy (or your helpful Spivey Insurance agent!) will likely hold the most in depth answers, but continue reading for the basics of what is covered and what is not under most policies.

As the health reform takes shape and health insurance plans are restructured to adhere to the new laws, many new benefits and freebies are now or soon to be offered to many moms-to-be and new moms out there. Thanks to a provision of the federal Patient Protection and Affordable Care Act, Charlotte Insurance will soon be covering preventative care 100% for pregnant women, new moms and their babies. To put it in basic terms, they will be paying zero out-of-pocket costs for prevention if covered by one of these health plans.

So which health preventive practices are going to be covered? Continue reading to learn some of the main coverages that will be offered for women during and after their pregnancy.

Do you lack a North Carolina insurance health plan? Are you currently unemployed or at work somewhere that doesn’t provide health insurance? While there are several concerns from anyone experiencing this, there are also several different options they can explore on the health insurance market. Many people are in search of the perfect affordable policy, and the following are some options they should consider.

It’s that time of year: flu season! The office can be a breeding ground for the germs that cause the flu, so it’s important to be extra careful. Make sure your NC business insurance offers policies to your employees that cover them for doctors’ visits and prescriptions. Share these tips with your employees to keep everyone in the office healthy this season!

Once you have purchased homeowners or renters insurance, the first thing you should do is create a home inventory list. The process can be annoying, but if your home is ever affected by a fire, flood or other natural disaster, you’ll need an inventory to file your Charlotte insurance claim. Having a fully prepared inventory will help move the process along quickly so you can replace any lost items as soon as possible. 

Looking for a fast car, without breaking bank and spending every penny you’ve got on your NC insurance? Insure.com recently did a study to find the cheapest cars that can reach 0 to 60 mph in 5-seconds or less. While researching into 44 different automobiles, they found the best bargain for your dollar.

Distracted driving is dangerous and deadly, and yet we all do it on a daily basis. We’ve all been guilty of it at one point or another, even though we know that it was the cause of nearly 20% of injury crashes in 2009. Yet, day after day you see people driving down the road eating, petting an animal, putting on makeup, or the biggest offender, texting. As John E. Langan, a traffic safety consultant and former police officer points out, “Any distraction, even for a second or two, is a matter of life and death when it comes to driving. You can’t react to something you can’t see.” No amount of North Carolina auto insurance will protect you from the dangers of sidetracked driving, so continue reading to find out what can you do to avoid the hazard all together.

Did you know that most U.S. families readily admit that they would be unprepared in the event of an untimely death of a loved one? In fact, nearly 22 percent of Americans with dependent children acknowledge that they would have immediate trouble with everyday expenses, and another 26 percent admit that if the primary money earner died they’d only be able to cover expenses for a few months. So with these statistics in mind, why is it that for the past 20 years there has been a steady decrease in the sale of life insurance policies? Often times, people lack the proper knowledge for purchasing aNorth Carolina life insurance policy and do not know the appropriate coverage they need.
Continue reading to learn the fundamentals of life insurance and everything you need to consider when purchasing the correct policy for your circumstances.

The health insurance reform is one of the most significant events currently taking place in the NC insurance world. The reform comes with a lot of changes (some good and some not so good) and a lot of questions. But one of the most important unknowns of the reform is currently being looked into by the Institute of Medicine.

What counts as an “essential health benefit?”

Next stop on our back to the basics of insurance journey, business insurance! If you run a small business, it means you’ve probably put a lot of time and money into starting and keeping that business afloat. Therefore, North Carolina business insurance might be your best friend and you don’t even know it. The proper policy is a necessary cost to physically and financially protect all of that time, money and effort that goes into jump-starting and running your own small business. So don’t let the right coverage slip through your hands just because you don’t have the right understanding of what your business needs!

Basically to sum it up, there are three types of insurance for your business: property, liability, and coverage for your workers. Continue reading for the nuts and bolts of each type of policy.

Every decision includes several different factors that need to be considered before it is made. What are the factors that you should consider when deciding if you need an umbrella policy? Charlotte, NC insurance umbrella coverage serves as protection for individuals who face the possibility of lawsuits or have valuable assets to protect.  Are you at risk? 

What if a fire were to occur destroying your home and everything inside? Would you be properly covered with the appropriate homeowners’ insurance policy? Home insurance protects your home, its contents and your other assets in the event of fires, theft, accidents or other catastrophes. Continue reading for the all of the fundamentals of Charlotte home insurance such as what is covered under your policy and how much coverage you need!