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Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

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What’s the Difference Between An Antique and a Classic Car?

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A truck and trailer pull up beside you in traffic. On the trailer shines a stunning Delahaye. You know it has to be at least a 1940s model because they were only built between 1935 and 1954. As you drool over the auto, you wonder if antique cars qualify as classic cars. 

Well, yes and no. A car can’t be considered a classic if it’s over 40 years old, but it’s still a special category of car. Classic car insurance is the only protection for a beauty like that, and Lee Insurance Agency LLC of North Carolina knows best how to insure it.

What’s the Difference Between An Antique and a Classic Car?

There are actually three categories of cars: vintage, antique, and classic. The vintage car is the one you saw descending to the hold in the movie Titanic. They were made between 1910 and 1930. 

An antique car was made between 1930 and 1975. Think of the old 40s cars driven in movies or a 1956 Chevy. Even a 1970s Pontiac GTO is now an antique. North Carolina might refer to this type of car as a historical antique car.

A classic car is between 20 and 40 years old. If it was built from the 1980s up to 2003, then it’s a classic. That would make a 1997 Jeep Cherokee, a 1989 Toyota Camry, or a 1981 Chrysler “K” car classic cars.

Why Do Classic and Antique Cars Require Special Insurance?

When cars get past a certain age, parts with which to repair them become scarce in North Carolina. So are knowledgeable and well-trained mechanics who actually know what your classic car is and how to repair it. Special insurance for special cars is a must.

Contact Us Today

Lee Insurance Agency LLC of North Carolina is all you need to know when considering classic car insurance. Please stop by our offices or call to learn more about it. We’re happy to help.

Why Do I Need Renters Insurance?

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Renters insurance is not a legal mandate in the state of North Carolina, but it will often be a requirement imposed by your landlord. This is because their insurance does not cover you in a situation where the contents of your abode are destroyed or in need of repair.

Why Renters Insurance?

Renters insurance helps with disputes between property owners and their tenants because it provides a ready solution to disagreements. Renters can file a claim with their insurance company, thus reducing the amount of litigation between parties and accompanying legal fees. 

In the event that you need to temporarily relocate, renters insurance can help you with the necessary expenses. Environmental hazards, fire, and water damage can sometimes cause you to vacate the premises until your living quarters can be properly cleaned. 

Renters often have guests over, leading to liability issues when a person is injured due to slips and falls. You can be held negligent for their medical bills and lost wages, and you may also be the target of a lawsuit. Your knowledgeable Lee Insurance Agency LLC can go into further detail about which perils are included in your coverage. 

Your possessions can be destroyed, for example, if your building catches fire, and renters insurance should cover your belongings. They can also be affected by smoke or water damage from attempts to put out the blaze. Vandalism can do damage to your valuables, or they can also be subjected to theft. 

Lee Insurance Agency LLC Can Be of Assistance to You

We serve residents in the state of North Carolina and provide quality insurance products and services for every walk of life. We invite you to reach us online, by calling or visiting us in person to speak to us in more detail about your situation. 

How to Buy RV Insurance in North Carolina

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New RV owners may not realize how important it is to protect your camper, RV, or pull-behind trailer with insurance. However, savvy RV owners know that having RV insurance is the safest and best way to reduce your liability and protect your finances in the event of an RV-related accident.

If you live in North Carolina, contact the RV insurance professionals at Lee Insurance Agency LLC to learn about coverage options for Class A, B, and C RVs and motorhomes.

What Is RV Insurance?

RV insurance is designed to provide financial protection when something happens while you own and operate your vehicle.

RV insurance can help pay for things like repairs, medical bills, and more in the event of an RV accident, theft, or other covered incidents related to your RV. 

What Does RV Insurance Cover?

There are a few different types of RV insurance available. Policy options will vary depending on the age, class, and garaging location of your RV.

• Accidents: If you’re in an accident with your RV, your policy can help pay for repairs or medical bills.

• Theft and vandalism: If your RV is stolen or damaged by vandals, your policy can help pay to repair or replace it.

• Natural disasters: If your RV is damaged by a natural disaster like a hurricane or earthquake, your policy can help pay for repairs or replacement.

Get RV Insurance Today

When you need RV insurance in North Carolina, contact a licensed and experienced RV Insurance agent at Lee Insurance Agency LLC. We are here to help!  We will provide you with a free quote, and our knowledgeable insurance agents can explain your available coverage options and activate your new policy.

How Can You Tell If Your Homeowners Insurance Includes Flood Coverage?

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One of the most costly mistakes a homeowner can make is assuming their home insurance policy covers flooding. Most home insurance policies will cover flooding that happens due to a pipe bursting or an appliance leaking, but they will not cover flooding due to heavy rain. As such, this confuses homeowners, and then they do not wind up with a separate flood insurance policy.

Here at Lee Insurance Agency LLC, serving the greater North Carolina region, we want to help you avoid being in this situation.

How Can You Tell If Your Homeowners Insurance Includes Flood Coverage? 

In order to determine if you have flood coverage with your home insurance policy, you will have to read through your home insurance policy. Look under the exclusions list, as this is typically where flooding is listed. If your policy does cover flooding, you may have a separate endorsement for your policy for flooding. An insurance agent can read through your policy and tell you for sure whether your existing policy covers flooding or not. 

What Should You Do If Your Policy Does Not Include Flood Coverage? 

If your home insurance policy does not cover flooding, you will need to purchase a separate flood insurance product to protect your home from damage caused by flooding. 

Contact Us Today

Most home insurance policies do not have flood coverage when the floods are caused by rivers flowing over their banks or for heavy periods of rain. If your policy does not cover this type of flooding, you need to purchase a separate flood insurance policy to ensure your home is fully protected. Here at Lee Insurance Agency LLC, serving the greater North Carolina area, we can help you get the flood coverage you need. Call us today to get started. 

Life Insurance Provides Protection for Family

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Are you concerned about whether or not your family would be financially secure in the event of your passing? Our team of insurance experts at Lee Insurance Agency LLC in North Carolina can help you with your life insurance needs.

Life Insurance: The Basics

Life insurance is a contract between the insurance company and an insured individual. The insurance company promises to pay the designated beneficiaries an amount of money upon the death of the policyholder. Depending on the policy, other events such as a terminal illness can also force payment.

The policyholder will pay a premium either monthly or make a lump sum payment. The benefits will include final expenses.

Life insurance policies are legal contracts, in which each contract will describe the limitations of the insured events. Certain exclusions may be written into the contract which will limit the liability of the insurance company. Common examples would include suicide, war, riot, fraud, and civil commotion.

Life insurance policies typically fall into two major categories:

Protection policies are designed to provide a lump-sum benefit, typically, in the event of a specified occurrence. Term insurance is a common form of protection.

Investment policies are meant to facilitate the growth of capital by single or regular premiums. Common forms of this type of insurance are variable life policies, whole life policies, or universal life policies.

In the event of the passing of the main breadwinner in a household, it is necessary for that person to make sure his or her family is protected with a life insurance benefit. In addition to paying final expenses, it can satisfy a mortgage, pay off other miscellaneous debt, pay college tuition, and enable the family to live without financial worry.

Give Us A Call

Our insurance experts at Lee Insurance Agency LLC can provide a no-obligation quote or answer any questions you may have.

If you are looking to add or update your life insurance policy in North Carolina, reach out to us today. We’ll be happy to help. 

Follow These Tips to Help Avoid an Auto Accident in the Dark

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During the fall and winter months, it gets darker earlier in the day. As such, you may find yourself driving home from work in the dark. Unfortunately, when it is dark, it becomes harder to see road hazards, which can increase the number of accidents that occur. Here at Lee Insurance Agency LLC, serving the state of North Carolina, we want to help keep you safe when you are driving.

Follow these tips to help avoid an auto accident in the dark:

Familiarize Yourself With Roads You Will Be Traveling On at Dark

When possible, try to familiarize yourself with the roads that you will be traveling on in the dark, and try to stick with roads you are familiar with before the sun rises or after the sun sets. Knowing the roads well will make them easier to travel in the dark. 

Always Use Your Headlights 

Another tip to follow to help you avoid an accident when traveling in the dark is to always use your headlights. It is recommended that you turn your headlights on an hour before the sun sets and leave them on for an hour after the sun rises. Headlights not only help you to see, but they help other drivers see you on the roads. 

Slow Your Speeds When Driving in the Dark

Finally, always slow your speed when you are driving in the dark. You should always drive about five to ten miles per hour slower in the darker than you would in the daylight. 

Contact Us Today

While there are steps you can take to minimize auto accidents, you can not prevent every auto accident from happening. As such, it is extremely important that you have an auto insurance policy that fully protects both you and your vehicle in case an accident happens. Contact us at Lee Insurance Agency LLC, serving the greater North Carolina area, to obtain quotes for a new auto insurance policy. 

What You Need To Know About Commercial Insurance

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Proper insurance coverage is a big part of your responsibilities as a business owner. Not only is this an important way you can protect yourself and your company, but it is also an important way to protect your customers and employees. At Lee Insurance Agency LLC in North Carolina, we are here to help business owners make the best possible insurance choices.

Is Commercial Insurance Required?

Each state has its own laws which govern which types of insurance an employer is required to have. However, simply depending on the minimum required types of coverage is not the best way to keep your company protected. To truly protect the investment of time and money you have put into your business, you need a commercial insurance policy that will provide protection for you, your employees, and your customers and clients. 

What Does Commercial Insurance Cover?

Commercial insurance coverage is actually a bundled product that includes different types of insurance coverage. Let’s take a look at the three main types of coverage. 

Property coverage– If you operate your business from a brick-and-mortar location, you will need to have property insurance in place. This type of coverage will pay for repairs or replacement of property or equipment should it be damaged or lost due to fire, natural disaster, or burglary. 

Vehicle coverage– If you operate vehicles as part of your daily operations, you will need auto insurance in place for the vehicles and the drivers. 

Liability– Liability coverage is there to help pay for expenses that could result from actions being taken against you. In the event that an employee or a customer is injured at your place of business or because of your goods or services, this coverage will kick in to help pay for the expenses that could be incurred. 

Get Commercial Insurance Today

If you would like to learn more about commercial insurance, please contact us at Lee Insurance Agency LLC, now serving residents in North Carolina. 

Protect Your Investment With Classic Car Insurance

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You’ve invested a lot of time and money into your classic car. Whether you’re driving it on the open road or keeping it in mint condition in a garage, you want to ensure it’s adequately protected in case of an accident or theft. That’s where classic car insurance comes in.

What is Classic Car Insurance?

Classic car insurance protects your investment and gives you peace of mind knowing your vehicle is adequately covered. It’s like regular auto insurance, but with some crucial differences. For example, classic car insurance has a lower premium since the vehicles are not used as often and are typically driven fewer miles than a regular car.

Another difference is that classic cars may appreciate over time, so it’s essential to have an insurance policy that considers this. Many regular auto insurance policies have a stated value, which means if your car is totaled, you can only receive the current market value of the vehicle – not what you paid for it or what it’s worth to you.

What is Guaranteed Value?

Classic car insurance uses guaranteed value, which means you’re reimbursed for the total value of your car in the event it’s totaled. This is important because classic cars often appreciate value, so you want to ensure you’re covered for what it’s worth – not just its current market value. Lee Insurance Agency LLC in North Carolina can help you determine the correct value for your car.

Why You Need Classic Car Coverage

Classic car insurance is not required by law, but it’s a good idea if you want to protect your investment. It can also give you peace of mind knowing you’re covered in case of an accident or theft.

The classic car insurance experts at Lee Insurance Agency LLC in North Carolina can help you find the right policy for your needs. Contact us today to get started!

How to determine the appropriate amount of renter’s insurance for your needs

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North Carolina residents, including renters, can rely on the Lee Insurance Agency LLC team for all of their insurance needs. If you have questions about any type of insurance, we are here to offer our assistance. Stop by our office or give us a call and we’ll be happy to help!

What amount of renter’s insurance is right for you?

When it comes to knowing the right amount of renter’s insurance that’s sufficient to protect your belongings, you can feel pretty clueless. One of the first things to do is review the available policy levels. If you are a young person just starting out on your own, one of the basic policies that offer a reasonable amount of coverage should be enough for your needs.

For people who are more established, it can be more difficult to determine the proper amount for their needs. If you’ve built a fairly substantial amount of belongings through the years, you will need to do a rough inventory of your items. Focusing on more expensive items like artwork, electronics, jewelry, and furniture is a great way to start. 

There are several ways to value your possessions for insurance purposes. Your local agent can provide insight into which method best meets your needs. Using replacement value as your method of calculation is one of the more common ways to determine how much your things are worth. Make sure you have the protection you need!

Contact our team today!

Lee Insurance Agency LLC is proud to serve the state of North Carolina and help our clients with all of their insurance needs. If you would like some guidance when it comes to renter’s insurance, we have the information you need. Contact our office or stop by today!

RV Insurance Options

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Every state requires RV insurance for recreational vehicles on its roads, but each state sets its minimum requirements. Many states, including North Carolina, set the RV insurance requirement at the same level as their auto insurance minimums.

Lee Insurance Agency LLC can help all North Carolina residents who own an RV to obtain the insurance coverage that keeps them on the roads legally.

RV Insurance: What You Need To Know

Minimum Coverage Insurance

According to the North Carolina Department of Transportation, each motor vehicle of any type must carry at least the following insurance coverages:

  • Bodily injury to one individual in the amount of $30,000,
  • Bodily injury to two or more individuals in the amount of $60,000,
  • Property damage in the amount of $25,000.

This policy type only protects the other drivers on the road. The state minimum insurance does not offer coverage for your vehicle. You need full coverage for that.

Full Coverage RV Insurance

When you only vacation in your RV, you take a couple of trips per year in it. Buying a full coverage policy ensures that you also protect your investment in your own RV. If you incur an accident involving your RV, the comprehensive and collision coverages take care of the RV’s damage. These two insurances apply to single-vehicle accidents and multi-vehicle accidents.

Full Timer’s Insurance

You need a full-timer’s policy if you choose to live in your RV. This enhanced coverage bears a close resemblance to full coverage but adds to your property coverage and liability. It covers the upgrades you must make to an RV to turn it into a permanent home.

Contact Us

Wherever you live in North Carolina, Lee Insurance Agency LLC can help you obtain the policy you need. Call us today.

Partner Carriers

  • AAA
  • American Modern
  • ASI
  • Cabrillo Coastal
  • Dairyland
  • Foremost
  • Hagerty
  • JIBNA
  • Kemper
  • MetLife
  • monthly payment plan
  • National General
  • NC Grange
  • Progressive
  • RLI
  • Safeco
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal Property & Casualty
  • UPC
  • Wright Flood