Name: Lee Insurance Agency LLC
Address: 119 W South Railroad St, PO Box 1212, Four Oaks, NC, 27524
Telephone: 919-963-2059

Can Umbrella Insurance Add to Existing RV Insurance Protection?

Posted on December 31, 2025December 2, 2025 by admin

Driving an RV requires special considerations when it comes to insurance and optimal protection. At Lee Insurance Agency LLC, we help clients in North Carolina find insurance policies that suit their lifestyle, year-round. Understanding how umbrella insurance can add to existing RV insurance policies is a way to ensure safety, protection, and financial backups anytime you’re traveling or out on the open road.

What RV Insurance Provides

Typical RV insurance policies include liability, collision, and comprehensive coverage. These help pay for property damage, injuries, or even repairs after being involved in an accident. Umbrella insurance, on the other hand, only activates once your RV policy has reached its limit, or maximum payout.

Umbrella Insurance

Umbrella insurance can add additional coverage and protection with each policy you choose. This adds a cushion to cover medical bills, property damage, and any legal fees you may encounter after being involved in a collision or accident in your RV. An umbrella insurance policy is recommended if you’re always spending time in your RV, planning a cross-country road trip, or if you use your RV to commute to work.

Umbrella insurance policies sit above all other vehicle policies you have in your name. A single umbrella policy provides broad protection for numerous risks and can cover certain personal liability claims that have been excluded from your standard RV insurance.

Adding umbrella insurance to your existing RV insurance policy is a great way to increase liability coverage while providing added protection when you need it most. If you’ve just recently purchased an RV in North Carolina or if you want to reassess and reevaluate your existing insurance policy, we’re here for you. For more information and for your consultation, contact Lee Insurance Agency LLC today.

Does Flood Insurance Cover Appliances?

Posted on November 28, 2025November 11, 2025 by admin

Flooding is a major concern in North Carolina. Among other things, it can harm your home’s floors, carpets, walls, and electrical system. A flood may also damage or destroy appliances. Flood insurance often protects home appliances, but coverage varies depending on the policy, type of equipment, and circumstances.

Types of Insurance

If you have building flood insurance, it generally covers installed and/or major nonlaundry appliances. They include stoves, heat pumps, refrigerators, water heaters, dishwashers, and furnaces. Contents insurance protects most other appliances. It covers things like portable air conditioners, dryers, washing machines, and countertop microwaves. To protect all of your appliances, you’ll probably need building and contents insurance.

Coverage Exceptions

It depends on the specific policy, but flood insurance frequently excludes certain appliances and portions of the home. If you store spare equipment in a cellar or another area that’s at least partially underground, it might not be covered. Contents insurance may protect basement freezers, air conditioners, and laundry appliances if they’re plugged into electrical outlets and being actively used. Some policies exclude generators and/or dehumidifiers.

Types of Flooding

Flood insurance generally covers floods that happen when a body of water rises above its normal level or rain falls too quickly to drain adequately. Other kinds of flooding usually aren’t covered. Flood insurance doesn’t protect against things like roof leaks, burst pipes or other plumbing-related problems. In some cases, a home insurance policy will cover them.

If you’re searching for flood insurance that dependably covers your North Carolina home and its valuable appliances, the pros at Lee Insurance Agency LLC can assist you. Our independent agency will help you find a suitable policy and compare different options from multiple insurers. To contact Lee Insurance Agency LLC and get started, call 919-963-2059.

Why Life Insurance Matters for Parents With Young Children

Posted on October 31, 2025October 16, 2025 by admin

Becoming a parent changes everything about how you view financial security and planning for the future. Lee Insurance Agency LLC, serving North Carolina, understands that protecting your family’s financial well-being becomes the top priority when you have young children depending on you.

Replacing Lost Income

The most important function of life insurance is replacing the income your family would lose if something happened to you. Young children require decades of financial support for basic needs like housing, food, clothing, and health care. If you’re the primary breadwinner, your family could face immediate financial hardship without adequate life insurance coverage. Even if both parents work, losing one income can make it impossible to maintain your lifestyle or cover essential expenses.

Covering Future Education Costs

College expenses continue rising every year, and parents often underestimate how much they’ll need to save for their children’s education. Life insurance can ensure that your children still have access to higher education even if you’re not there to provide for them. A substantial policy can cover tuition, room and board, and other educational expenses that might otherwise be out of reach for a surviving parent managing on a single income.

Protecting Your Spouse

Your spouse will face emotional challenges while also dealing with practical financial decisions. Life insurance provides breathing room during this difficult time, allowing them to grieve without worrying about making drastic lifestyle changes or taking on additional work. This financial cushion can help maintain stability for your children during an already traumatic period.

Planning for your family’s future security doesn’t have to be overwhelming. Contact Lee Insurance Agency LLC, serving North Carolina, to discuss life insurance options that fit your family’s needs and budget.

Auto Insurance — Roadside Coverage for Your Vehicle

Posted on September 30, 2025September 19, 2025 by admin

Imagine driving down an empty roadway and suddenly breaking down. Would you be able to get your car back on the road safely? If you don’t have adequate insurance coverage, consider adding roadside protection to your auto insurance policy.

Risk Factors

Think about the risks of encountering a situation that leaves your vehicle inoperable. You could be involved in an accident with another motorist, experience a flat tire, or run out of gas.

Being stranded doesn’t have to end badly. With roadside coverage, you can request a tow or have a qualified mechanic come to your rescue. Evaluate the risk factors that come into play when you drive your vehicle.

If you use your car frequently, it may be a good idea to increase the amount of coverage provided by your auto insurance policy.

Roadside Coverage

You may be wondering how roadside coverage works. Once you have this coverage, you can contact a licensed mechanic or tow truck operator whenever you need emergency assistance.

Using a roadside coverage service allows you to quickly and safely get back on the road. If your vehicle is severely damaged, your auto insurance coverage may pay for a tow to a local garage.

Once your vehicle has been transported, you can arrange for repairs with a licensed mechanic of your choice.

Support Through an Agent

If you would like to add roadside coverage to your auto insurance policy, contact one of our agents at Lee Insurance Agency LLC. A representative serving North Carolina will ask you a few questions to help determine the roadside coverage amount that best suits your needs.

Status Beyond the Basics: Hidden Coverage Gaps in RV Insurance You Shouldn’t Ignore

Posted on May 30, 2025May 25, 2025 by admin

Owning an RV brings a sense of exploration and freedom, but insurance responsibilities can often get overlooked. Standard policies may seem comprehensive, but hidden coverage gaps could lead to bigger problems than anticipated. At Lee Insurance Agency LLC, we ensure our clients understand exactly what to expect from their RV insurance in North Carolina.

Personal Belongings May Not Be Covered

One commonly overlooked gap is personal belongings. Many RV insurance policies cover the vehicle, but not the contents inside. Items like electronics, camping gear, and kitchen equipment may require additional personal property coverage. It’s important to ask these questions when working with an insurance professional to understand the details of your policy.

Understanding Liability Coverage

Liability coverage is another area to watch. If your RV functions as a vehicle and a living space, your liability risks increase, especially when guests are on board. Without adequate liability protection, you could be at higher risk.

Full-Time RV Use Consideration

Are you using your RV as a full-time living area? A standard policy may not offer the proper protection if you live in your RV for extended periods. You might need more coverage that resembles a home insurance policy.

Get Insurance Help From Lee Insurance Agency in North Carolina

If you are an RV owner in North Carolina, we would love to help you determine the best policy for you. Don’t hesitate to give us a call to discuss your options. We would love to sit with you to learn more about your needs. Our team can walk you through potential coverage gaps and tailor a plan that fits your travel habits and lifestyle.

The Difference Between Flood Insurance and Homeowners Insurance

Posted on April 30, 2025April 21, 2025 by admin

Both flood and homeowner’s insurance offer dynamic coverage for property owners. However, each requires periodic reviews to confirm the coverage is right for your residence. The Lee Insurance Agency, LLC, which serves North Carolina, can help determine whether flood or homeowners insurance is best for your needs.

What Claims are Covered by Flood Insurance?

Flood insurance is provided by the National Flood Insurance Program (NFIP) to properties located in high-risk flood zones. The coverage protects both the structure of the home and personal property from extreme storm surges and mudslides. Additionally, it covers damage resulting from overflowing lakes, ponds, or oceans. However, flood insurance does not cover plumbing issues, local sewer backups, or water damage that originates from inside the home.

What Claims are Covered by Homeowners Insurance?

Purchasing a home is a milestone for an individual or married couple. A homeowner’s insurance policy is the primary coverage for all homes. It protects against all damage caused by fire or theft. Yes, coverage is available for water damage, but the policy does not offer protection against flood damage caused by a nearby rising body of water.

Typically, most claims are for damage caused by rain entering the home through a leaky roof or busted water pipes. However, if there is evidence of negligence on your part for failure to make necessary repairs, your claim may be denied. If age and deterioration were the cause of the water damage, the policy covers all repairs or replacement of your personal property. However, no assistance with the repairs or replacement of the roof or water pipes.

Deciding between flood and homeowner’s insurance is a difficult choice for a policyholder. Choosing incorrectly could change everything for you. Lee Insurance Agency LLC in North Carolina can provide relevant information to help make your policy decision easier. Call and schedule an appointment today.

Life events that require a review of your life insurance

Posted on March 28, 2025March 23, 2025 by admin

Life insurance is a dynamic necessity that requires periodic review as life and needs evolve. At Lee Insurance Agency LLC, we serve customers across North Carolina. We strive to better understand our customers and ensure that their life insurance adapts accordingly as their needs change.

Starting Your Career

Upon landing your first job, you may receive a life insurance policy as part of your benefits. At this stage, everyone’s situation varies. You might have someone dependent on your income, but chances are you don’t, and the amount provided by your employer is sufficient.

Switching Jobs

When you change employers, you need to decide whether to maintain your old life insurance independently and whether it’s worth it. This is the time to consider procuring some life insurance to start protecting yourself.

Entering Matrimony

Marriage signifies sharing your life with another person, and both of you need life insurance to protect the other. The amount you need is a personal decision, but our agents will assist you in determining the appropriate amount.

Expanding Your Family

Deciding to expand your family changes everything, especially your life insurance needs. You need to consider your income contribution, whether your partner will be able to work, the number of children you have, and the duration of the insurance. If you aim to pay off a mortgage or fund a college education, that also needs to be factored in. Your insurance agent can guide you to the carrier who can meet your needs.

Residents of North Carolina, please get in touch with our team at Lee Insurance Agency LLC. We’re here to provide the support you need.

How to add another person to your car insurance

Posted on February 28, 2025February 20, 2025 by admin

So, you’ve decided to add another person to your car insurance. Generally, this means either you just got married, or your teenager just got their license. Either way, congratulations, and good luck. Adding this person to your car insurance is actually rather straightforward. Just follow these simple steps.

Steps to Add a Person to Your Car Insurance

First, you naturally have to contact your insurance company. You can call or log into your online account. Then, it’s a simple matter of requesting the addition of a second driver to your account. Remember to provide all of the necessary information about the driver in question. This will include their full name, social security number, birthday, driving record, and license number. Any previous accidents or traffic violations will have to be noted. If you want to know about any discounts available or have questions about insurance rates, please ask. You can request the confirmation be mailed to your address for your records or save the updated driver information online. And you’re all set!

Contact Lee Insurance Agency LLC in North Carolina

Auto insurance isn’t as difficult as it seems. Often, it’s just a simple matter of knowing the right questions to ask. That means getting insured by a well-suited company that will point you in the right direction. If you are in North Carolina and are in the auto insurance market, please get in touch with Lee Insurance Agency LLC. We have courteous and knowledgeable agents on staff who are willing and able to help you find the insurance policy that is best suited for you and your unique needs.

Legally Required Commercial Insurance in North Carolina

Posted on January 27, 2025January 23, 2025 by admin

Both federal and state laws require each business to purchase certain types of commercial insurance. At Lee Insurance Agency LLC in North Carolina, we want our customers to understand which commercial insurance policies a business must purchase to remain in legal compliance. Most businesses in the state need three legally mandated policies, but each requirement only applies when a business meets certain conditions.

Hiring Employees and Buying Workers Comp Coverage

In North Carolina, if a business hires three or more employees, it must buy a workers’ compensation policy, according to the North Carolina Industrial Commission. State law makes a few exceptions for small farms and domestic labor situations, but in most cases, any business with three employees must carry workers comp. Let us help you determine if your business meets any of the exceptions and help you find the right policy if it doesn’t.

Commercial Auto Insurance

A business with one vehicle or a fleet of them must buy commercial auto insurance. Like personal auto, it carries a minimum requirement of coverage. A company’s commercial auto policy must provide at least 30/60/25 coverage.

Flood Insurance for Businesses

Federal law requires anyone with a mortgage loan from a federally insured lender to purchase flood insurance if their property lies within a federally designated flood zone A, AE, V, or VE. Many individuals misunderstand this, thinking of flood insurance for homes. Let us help your business obtain the coverage it needs for your building and contents. If you lease your office or retail space from a landlord, we can help you obtain contents-only coverage.

Contact Us Today

Don’t go even one day without the insurance your business needs to remain legally compliant. Call or email Lee Insurance Agency LLC to build a commercial policy that protects your North Carolina business.

Can You Bundle Classic Cars Under One Policy?

Posted on December 23, 2024December 19, 2024 by admin

A standard classic car insurance policy may not suffice for classic car owners with more than one treasured vehicle. So, how does insurance change for collectors with multiple cars? Can more than one car be bundled under a classic car insurance policy? What are the benefits? Let’s delve into whether this is possible, why you might want to consider it, and why you should choose Lee Insurance Agency LLC in Four Oaks, North Carolina, for your classic car insurance needs.

Bundling Multiple Classic Cars Under One Policy: A Yes!

If you own multiple classic cars, you don’t need to get a separate policy for each. Many insurance providers allow you to bundle your classic cars under one policy. The primary advantage of this is cost reduction. Insuring all your classic cars, especially rare or customized ones, can be expensive. Bundling them together ensures they’re protected while saving you money. However, ensure that your chosen provider can cover the number of cars you own. If you own numerous cars, you might not be able to bundle them all under one policy and may need multiple bundled policies for full coverage. Keep this in mind when shopping for classic car insurance.

Protect Your Classic Cars with Lee Insurance Agency LLC

At Lee Insurance Agency LLC in Four Oaks, North Carolina, we’re always ready to help you find the right classic car insurance for your collection, whether bundled or not. Contact us or compare quotes with us today!