29 Sep 5 Tips to Preventing Fall House Fires

This past week, we graciously welcomed fall! Before we know it, we are going to be making the switch from air conditioning to heat to keep our homes warm. This switch causes an increase risk for fires to spur up. Most fires happen between the...

16 Sep Auto Insurance Terms to Keep In Mind

“Driving is a privilege, not a right.” You may have heard this over and over when you were a young, beginner driver. But just because you have grown up over the years does not mean this rule has change. And unfortunately this privilege causes numerous...

11 Sep 14 Years Later, Our Legacy is Strength-

The American hearts will forever be scared from the tragic falling of the Twin Towers and the attack on the Pentagon 14 years ago. September 11, 2001 is a day of remembrance for all those who innocent people who lost their life. But 14 years...

10 Sep Local Business Owners, Think “Liability Insurance”

If you are thinking about your own business, make sure insurance is in your jumpstart to do list. Typically at the very beginning of a businesses life, is where the majority of the issues happen. Local businesses make up about 59% of businesses in the...

04 Sep Knowing and Celebrating the American Labor Day

When you think of Labor Day, what do you think? One last vacation before the unofficial end of summer? Hitting the mall for the sales? Or the extra day off work to relax? Labor Day has been celebrated since the 1880’s. Labor Day in history...

03 Sep Actual Cash Value Insurance v. Replacement Cost Insurance

You have been lucky all summer long that the summer thunderstorms have been minimal. When the summer season starts to wine down, one last thunderstorm hits the radar. You think you are good, right? Nothing has happened all summer, so what are the chances something will happen now? Expect when the old tree in your backyard gets struck with lightening and falls on your house. Now what? How much will this cost to get fixed? Will the money have to come out of pocket or does my home insurance plan cover the damage? These are all questions that could be running through your mind when an extensive damage is done to your home. Take a look at your home insurance policy and see what it actually covers. If your home insurance policy covers Actual Cash Value (ACV) then you are not going to be reimbursed for all the damages done to your home. ACV means that the insurance claim will depreciate over the years based on the age of your home. Key word, depreciate. This depreciation could an amount up to 1% a year. This could not even cover half the damage cost depending on the age of your home. Replace your home insurance policy ACV plan with replacement cost. Replace cost means that in case of home damage, insurance will pay the full replacement price at today’s cost. Replacement cost home insurance will prevent you from spending money out of pocket incase damages occur. At Spivey Insurance Group, we keep the customers in mind and highly recommend Replacement Cost home insurance policies. In the long run, this will keep money in your pocket if an extensive damage occurs at your home. Let Spivey Insurance Group take care of all your needs. Give us a call today at 704-861-4460 or visit us on the web. Stay connected with Spivey Insurance Group on Facebook,

01 Sep Making Sure Home Insurance is in your Emergency Plans

2015 has been a quite year so far for national weather based emergencies, however, hurricane season is rising upon us. Governor McCrory has declared September as North Carolina Preparedness Month supported by the U.S. Department of Homeland Security. This is essential to all businesses, schools,...

30 Aug Is Insurance on your Back to School Checklist?

You feel like you took all the steps possible in order to get your child ready for back to school, right? Did you think about health insurance? Health insurance is a vital to make sure your child is ready and protected. Don’t make your child...