Automobile

Save money and get your free quote on affordable auto insurance in North Carolina. Sit back and relax while we do all the hard work and shop over 16 different carriers, and find you affordable and reliable auto insurance. The fact that we represent many companies rather than just one, allows us to give our clients the best coverage at the best price. We have saved many of our clients up to 500 dollars a year. Imagine what you can do with that. We represent many different carriers such as Progressive Insurance, Travelers, XXXXXX and many more.

We also have great services that are available at our office such as cheap roadside service, monthly reminders of your payment due date, helping our clients with DMW issues, ticket fixing and many more. We have been serving the Charlotte area since 20xx. With over 20 years of combined auto insurance experience in our office, we have the expertize to solve all of your insurance needs.

Motorcycle

If you live in North Carolina, chances are we cover what you ride. Tolliver Grey Partners (TGP) offers a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes to dirt bikes and ATVs.

Credits and Discounts on Motorcycle Insurance

One of the great advantages of having your motorcycle coverage through a carrier like TGP is that you may save money by having more than one policy with that company. Tolliver Grey will be able to help calculate how much money you can save.

You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.

Homeowners

Shopping for homeowners or hazard insurance in the Charlotte NC area can be confusing for homeowners. TGP makes it simple, explaining the various important hazard insurance coverages for your home. Acquiring insurance for this important purchase shouldn’t be taken lightly.

If you have a loss that affects your home, you certainly want the peace of mind that comes with the knowledge that you’ve purchased the best insurance coverage with the best coverage values through an agent you can trust. Let us help you make the right choices.

What Information do I need to give my Insurance Agent?

Our agents will ask you what kind of home you own, when it was built, your address, zip code, county of residence, the approximate square footage of your home not including your garage, the construction of your home, (either brick or frame for example), how many stories is it, how may bathrooms does it have; if it has central heat and air, a fireplace, any special features, (such as granite countertops or wood floors for example), its roofing materials and age, if you have an attached or detached garage, and/or a car port, or swimming pool. How much your belongings are worth, how much personal comprehensive liability you will need, what pets you own, and the general condition of your house.

You should also tell us if you own any particularly valuable items that may need a floater (special insurance policy endorsement coverage).

Once we have assembled all of the information, our agent will quote you a premium. The premium depends on all of the factors above; on the deductibles you choose, and in some cases insurers require credit scoring as well.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. House insurance protects your investment.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused to others by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners╒ responsibility.

Factors that determine the cost of rebuilding your home include local construction cost, the square footage of the structure, the type of exterior wall construction, the style of the house, the number of bathrooms amenities in the bathrooms, kitchen, common areas, and other rooms, the type of roofing materials, other structures on the premises, fireplaces, exterior trim, special features, and overall improvements that have added value to your home.

Banks and mortgage companies today require you to buy: Replacement Cost Homeowners Insurance to cover the amount of your mortgage. If the limit of your insurance policy is based on your mortgage, make sure it’s enough to cover the cost to rebuild your home at today’s construction costs.

Most replacement cost policies cover replacement cost for damage to the structure. A replacement cost policy pays for the repair or replacement of damaged property with materials of similar kind and quality. There is no deduction for depreciation-the decrease in value due to age, wear and tear, and other factors.

Renters

Contrary to what many people believe, rental insurance isn’t very expensive. The amount you pay for coverage depends on the value of your possessions, the amount of coverage you want, what your deductible is, and the type of insurance you get.

If you choose not to purchase renters insurance, you may be making a mistake that may cause you huge problems. In very hot climates where intense dry winds are the norm, the entire area is susceptible to massive wild fires. Without adequate rental insurance, you would lose everything.

Renters have the option of choosing between cash value coverage or replacement cost coverage. The main difference is that cash value considers what you paid for your property. They then deduct a pre-determined amount for depreciation. Be careful about rushing to sign up for this type of policy. Ultimately, you may not be able to afford to replace things with this type of coverage.

When you choose to purchase replacement coverage, your insurance company will pay you whatever it costs to replace the possessions you lost, provided the loss is covered.

Named perils coverage will only pay you for situations that are specified in your policy. All perils coverage provides much more comprehensive protection and pretty much includes everything, except things that are excluded under the policy terms.

If you want to save money on rental insurance, choose the highest deductible you feel comfortable paying. Ask about multiple policy discounts. If you need auto insurance, you may reduce your rental insurance costs by opting to bundle your policies with the same company.

Earthquake

You don’t have to live in California or Hawaii to get your share of these unwanted quakes, and you don’t want to depend on government relief when it comes to earthquake damage. Often the government takes a very long time to respond and repair. When your property has been damaged, you’ll want quick attention. Many States are at a very high risk for an Earthquake. The vast majority of people living in seismic zones do not carry earthquake insurance. Don’t be one of them. Call for a quote!

Earthquakes strike suddenly, violently and without warning. Identifying potential hazards ahead of time and advance planning can reduce the dangers of serious injury or loss of life from an earthquake. Repairing deep plaster cracks in ceilings and foundations, anchoring overhead lighting fixtures to the ceiling, and following local seismic building standards, will help reduce the impact of earthquakes.

Flood

It only takes a few inches of water and your home could need major repairs. Yet most homeowner’s policies don’t cover flooding.

The Facts:

  • Many are at risk for floods. You don’t need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.
  • Flood damage is not covered by homeowner’s policies. You can protect your home, business and belongings with flood insurance – up to $250,000 for the building and $100,000 for contents (amounts may vary.
  • Contents coverage is separate, so renters can get flood insurance. Up to $100,000 contents coverage is available for homeowners and renters. Contents are not automatically included with the building coverage.
  • Up to a total of $1 million of flood insurance coverage is available for non-residential buildings and contents. Up to $500,000 of coverage is available for non-residential buildings and up to $500,000 of coverage for their contents.
  • There is usually a 30-day waiting period before the coverage goes into effect. Plan ahead so you’re not caught without flood insurance when a flood threatens your home or business.

Federal disaster assistance is not the answer. It is only available if the President declares a disaster. Flood insurance pays even if a disaster is not declared.

Umbrella Liability

Umbrella liability coverage protects above and beyond the standard business liability policies and is designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy, commercial general liability policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies.