Personal Insurance

Personal insurance encompasses all types of insurance that you would need throughout your life:  Homeowners, Auto, Renters, Landlord Liability, Umbrella, Boat, RV, Medical and even Life Insurance.  As life changes occur, we will be right there to work with you and make sure you are properly covered.  Fogle Insurance Group in Huntersville NC agents specialize in working personally with each client to determine the different types of insurance policies that are needed and tailor a package of coverage just for you. 

Today, a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds. And every 13 minutes a car accident results in a fatality. More than 31 million accidents occur annually at a cost of more than $100 billion. Theft and vandalism are other major perils— a vehicle is stolen every 20 seconds.

With more than 150 million drivers and registered vehicles on the road, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy.

Contact us today so we can arrange a time to go over your Huntersville and greater Charlotte area auto insurance coverage, so you’ll be informed about how your vehicle’s coverage will protect you.

Whether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and—for the home or condo owner—your most valuable investment. Huntersville and Charlotte Homeowners insurance is a package policy that covers both property—structures and personal possessions—and liability. But do you understand what’s covered?

Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.

Life Insurance: Can You Live Without It?

In the thick of an economic slump, many consumers aren’t likely to have “buy life insurance” at the top of their to-do lists.

Yet life insurance in Huntersville and Charlotte  is indispensable. Parents and business owners—indeed, anyone who has people dependent on them financially either at home or at work—can benefit from the unique advantages of life insurance.

What is life insurance? Life insurance is a financial contract in which a life insurance company agrees to pay an amount of money to a person upon the death of another person, in exchange for regular payments (known as premiums).

Life insurance serves two key financial functions. First, it’s a tool for prepaying for immediate expenses needed soon after the time of a person’s death. Second, it’s a way to generate substantial investment capital to produce future income (to replace income that an insured person would have been providing if they had not died).

Because a deceased breadwinner no longer is providing an income stream from salary, commissions or wages, a family needs to have invested funds that can generate replacement income.

Likewise, a business owner who passes away leaves behind co-owners and employees who need funds to replace the person’s expertise and revenue-generating capabilities, or to restructure the business.

Some people may think they can live without life insurance, but in reality it’s their families and businesses that cannot. If you want to start increasing the financial security of your family or business, contact us to begin a discussion of life insurance needs and solutions.

A Health Insurance policy that provides payments in the event the Insured is unable to work due to illness, sickness or accident. Disability Insurance can be used to supplement public disability income programs and overcome some of their inherent limitations.Disability Insurance can be bought on a group basis through an Employer or purchased individually.

What An Umbrella Policy Is, and Why You Might Need It

Most Americans view auto insurance as necessary to protect against the costs of a car accident. Likewise, it’s common knowledge that Huntersville and Charlotte homeowners insurance helps families rebuild their lives and homes. An “umbrella” policy is not as well known, but anyone who owns a home or any assets should consider buying it.

Umbrella liability insurance covers you in many situations if you are held responsible for bodily injury, property damage, or personal injury. The product got its name because it adds a higher level of protection above auto, homeowners and boat policies, which are “primary” policies. Umbrella coverage kicks in after primary insurance is exhausted. What’s more, an umbrella policy offers primary coverage for losses not covered by other insurance.

The umbrella is a shield to protect an individual from having to tap into savings or sell assets to pay a judgment or claim. The umbrella policy keeps the hands of the claimant from the personal, family and business assets of the negligent person.

We can review your family’s coverage to ensure you are protected.

Insurance typically covers Liability, Physical Damage, and Personal Property for powerboats and sailboats. With so many boat insurance options, we provide you with information to help you choose the best coverage for your boat or personal watercraft.

Boat insurance covers many kinds of boats, so even if you’re looking for specific coverage—like personal watercraft insurance, sailboat insurance, fishing boat insurance, or house boat insurance—a boat insurance policy is what you need.

In a health care environment that is constantly shifting, are you unsure what kind of health insurance might be right for you? If you are unable to work due to sickness or injury, health insurance is designed to cover treatment costs, as well as provide an ongoing income during the period you are ill. And if your injury or illness is more long-term, disability insurance helps supplement your lost income.

Personal insurance coverage in Charlotte NC, Huntersville NC, Cornelius NC, Mooresville NC, Davidson NC, and Lake Norman NC. Coverage includes Homeowners, Auto, Renters, Landlord Liability, Umbrella, Boat, RV, Medical and even Life Insurance.

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