Find right personal insurance
The best personal insurance plans in North Carolina. We are independent agents.
TELL US WHAT INSURANCE YOU ARE LOOKING FOR AND WE WILL MAKE SURE WE SEARCH THE BEST FOR YOU
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Which personal insurance are you looking for?
Home Insurance
The opportunity to care for each member of your family or tenants, in addition to personal property. Find the service that meets your immediate needs.
- ◆ Homeowners insurance.
- ◆ Renters insurance.
- ◆ Multiple property insurance.
- ◆ Insurance against floods.
Your home is your biggest investment. For this reason, it’s essential to protect your home and the property inside it. Homeowners insurance is there to protect you when the unforeseen happens. The appropriate coverage will help alleviate the risk by covering the replacement cost of your home, the contents inside, and the potential liability to others while on your property.
Not only do you need property insurance to protect your home if it is damaged, but also if it is robbed or vandalized.
We can help you find the best coverage for your home at a price that does not burn your pocket
Keep in mind, property insurance also covers:
- ◆ Injury to household members (and others while they are on your property)
- ◆ Accidents on your property
- ◆ Identity theft
- ◆ Dog bites
- ◆ Backup of sewers, drains and sump pumps
- ◆ And more!
Many renters assume that they need no coverage for their residence because they don’t own the property. Loss or damage of personal property, however, could be catastrophic if not properly insured. Because of this, landlords often require renters to hold a renters insurance policy that protects the renter’s property. Some policies also cover property damage or injury to others while at the rental property.
Whether you rent, own your home or are a landlord, property insurance can help protect you if you suffer a loss.
Homeowner’s insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. Your TC Insurance Solution agent will help determine which policy form best meets your needs.
There are several different policy forms associated with Property Insurance. Each form is intended to cover different types of dwellings. Let’s take a closer look at a few of the more common policy forms.
Typically, your condo association buys insurance to cover the building and common areas. However, if you own a condominium, you should also consider condo property insurance (HO-6) to cover your dwelling (i.e. “studs in”, fixtures, etc), your personal property, and potential liability exposures. Condo owners need to consider property insurance to cover fixtures within the condo, countertops, cabinets, additions, alterations and any safety systems in place. Condo insurance also can provide liability coverage for damage to property of others or injury caused to someone by you or a family member.
TC Insurance Solutions understands that each customer has unique insurance needs, so we aren’t a one-size-fits-all agency. Consider us your personal “insurance liaison,” always working to find the right policy for the best price. It’s that attention to the customer’s needs that has made TC Insurance Solutions.
When it comes to protecting your property, TC Insurance Solutions will:
- ◆ Work with you to assure you have the right coverage at the right price.
- ◆ Get quotes from leading insurance companies to help you select the most effective and affordable coverage possible.
- ◆ Will walk you through your options and help you identify additional saving.
- ◆ Help you protect your valuable property investments so you can sleep a little easier at night.
Our agents are licensed in North Carolina, South Carolina, See our customer care difference by completing our quote form or calling to speak with one of our experienced agents. We’ll be sure to find that coverage for the best rate in the area.
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Auto insurance
Immediate attention to unexpected situations. What are the advantages of purchasing auto insurance?
- ◆ You can replace your car if it was stolen or received a collision.
- ◆ You will receive immediate road assistance.
- ◆ It will cover damages to third parties, in addition to medical expenses.
If you own an automobile, it is important to have a car insurance, which provides optimal protection you need when driving. It is also a statutory federal regulation to hold auto insurance if you own a car. Having auto insurance helps compensate against financial losses in case the car meets an accident.
Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
In addition to collision, an auto insurance also covers financial damages in the event of theft, vandalism, or bodily injury/property damage caused to others when the policyholder is driving the automobile. These costs, when paid out of the pocket, can be exorbitant. Having a car insurance, can help compensate for the financial losses and ensure peace of mind.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Feeling apprehensive buying an auto insurance? Not sure what type of coverages you should have? Our helpful professionals at TC Insurance Solutions are here to help with the right insurance you need. Based on your needs, we will curate a comprehensive and affordable insurance plan that gives you optimum coverage at the best price.
Already have an auto insurance and want to change or upgrade? We can help you with that too!
Compare coverage plans and auto insurance quotes for NC, from multiple carriers and choose the one that best suits your needs.
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LIFE INSURANCE
Never worry about the financial future of your family with the right life insurance with you Life is unpredictable and full of uncertainties. Do not leave the future of your loved ones to sheer chance - buy a comprehensive life insurance plan today.
- ◆ Financial security for your family.
- ◆ Protection in case of disability or illness.
- ◆ Policy adapted to your needs.
Have you ever imagined what will happen to your loved ones in the event of your death, especially if you are the sole/major bread-earner in your family? Let’s face it – in addition to emotional woes comes the stress of an insecure financial future. Who will pay for the higher education of your children, medical expenses of your dependent parents, daily cost of living, your mortgages, and more?
Only life insurance can help secure the financial future of your family upon your death. It pays a lump sum amount to your beneficiary (family members), which may help them live a quality life after your misfortunate demise. However, protecting your family’s financial needs after your death isn’t the only reason why you should have life insurance. There are more reasons to it as mentioned herewith:
- ◆ Long-term life insurance plans can help you achieve bigger goals like buying a new home at the end of the policy period
- ◆ The right life insurance policy can supplement your financial needs after retirement
- ◆ Short-term plans like term life insurance can help pay-off your debts
- ◆ Get significant tax benefits on your life insurance plan
- ◆ Save your business in case a misfortune strikes
Wondering where to find the right life insurance advisor near me? Trust TC Insurance Solutions for the best coverage at an affordable price.
TC Insurance Solutions Agency is a locally-owned, independent insurance agency in Charlotte that represents leading insurance companies to shop the best life insurance plan for you. Essentially, we provide two types of life insurance plans from different carriers to let you compare and choose the best:
- ◆ Term Life Insurance
- Through our recommended term life insurance plans, you can have a specific amount of life insurance coverage for a particular time period. Ideally, term insurance policy periods range from 10, 20, or 30 years. The concept is to provide financial security to your dependents in the event of a premature death, or achieve a financial goal like getting your child higher education or paying off a mortgage.
We can help you choose from different term life insurance products to have one that suits your goals.
- ◆ Permanent Life Insurance
- We also provide permanent life insurance plans that extend lifelong protection; there is no fixed term period. As long as you continue paying the premium amounts and there are no withdrawals, surrenders, or loans – you (or the beneficiary) will be paid the full face amount. The cash value will accumulate throughout the policy’s lifetime and is tax-deferred.
When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation:
- ◆ Your family is young and growing, so you may be juggling a mortgage, auto loans and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.
- ◆ You’re more established in life. In addition to providing a death benefit to your beneficiaries, you may leverage the loan or partial surrender features of certain policies to help support things like supplemental retirement income, caring for a family member with a disability or preparing for eventual estate taxes.
- ◆ You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills or final expenses — and may also help leave a legacy to someone you love or a favorite charity.
- ◆ Disability riders that may help pay your policy’s premiums, and may supplement your lost income, if you’re disabled.
- ◆ An accelerated death benefit rider that lets you collect a portion of the policy’s death benefit if you become terminally ill with a short life expectancy.
- ◆ A critical illness rider that pays a lump sum to you if you’re diagnosed with one of several specified critical illnesses such as cancer, heart attack or stroke.
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Health insurance
Having a health insurance policy is a mutual agreement that will ensure your well-being and that of those you love the most. In it you will find a list of medical benefits such as:
- ◆ Medical tests.
- ◆ Medications.
- ◆ Treatment services.
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Umbrella
Access this type of comprehensive insurance, either for a property or auto policy, under the following benefits:
- ◆ Bodily injury coverage.
- ◆ Property damage or personal loss.
- ◆ Costs in a judicial process.
Umbrella insurance is a type of personal liability insurance that can be indispensable when you find yourself liable for a claim larger than your homeowner's insurance or auto insurance will cover. If you own a boat, umbrella insurance will also pick up where your watercraft's liability insurance leaves off.
Umbrella insurance even covers certain liability claims those policies may not, such as libel, slander, and false imprisonment. And if you own rental property, umbrella insurance provides liability coverage beyond what your renter's policy covers.
Let’s say your homeowner's insurance has a personal liability limit of $300,000. You throw a large holiday party, and one of your guests slips and falls on your icy front steps. She ends up with a concussion and some astronomical medical bills and decides to sue you. In court, the jury sides with your party guest and awards her a judgment of $1 million. This judgment is $700,000 higher than your homeowner's insurance liability limit.
Without a personal liability umbrella, you have to pay that $700,000 out of pocket. The money will have to come out of your retirement account, your main source of savings.
The loss is devastating and means you’ll have to work 10 additional years, find a higher paying job, or drastically cut back your expenses to replenish your savings and get back on track to be able to retire.
But if you have $1 million in umbrella insurance, your umbrella policy will cover the portion of the judgment that your homeowner's insurance doesn’t, and your retirement savings will remain intact. The umbrella policy will also cover any attorney fees and other expenses related to the lawsuit that weren’t covered by your homeowner's policy.
That coverage is in addition to the $1 million.
So if you have a $5,000 deductible on your homeowner's insurance, you’ll pay that amount out-of-pocket. Then, your homeowner's policy will pay the next $295,000, which gets you to the $300,000 policy limit. Your umbrella insurance doesn’t have a separate deductible in this case, because the homeowner's policy covered part of the loss. Your umbrella policy pays the remaining $700,000 of the judgment plus legal expenses, so you’re only out-of-pocket $5,000 for the $1 million judgment.
What if you were found liable in a case where your homeowner's or auto insurance didn’t apply? Then you’d pay an umbrella insurance deductible, called self-insured retention, before the umbrella policy kicked in.
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Final expense insurance
If you do not have life insurance to be prepared for an unfortunate situation, you can access this alternative based on funeral expenses. It includes the legal procedures, the complete funeral service, even the transportation of the deceased person to their country of origin, if requested by the family members.
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Charlie Harrison
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
Eduardo Suarez
TC Insurance helped me when I decided to buy auto insurance for my company. I got the best price and received was having a coverage that fit my needs.
Maria Marlin
At TC Insurance I found the solution I needed to protect my workers in case of risks. I got coverage tailored to my needs through Worker's Compensation.
Alfie Allen
At TC Insurance I have been able to find the home insurance I needed, allowing me to protect the future of my family in unexpected situations.
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