Earthquake Insurance

Looking for Earthquake Insurance in China Grove?

When many people think of insurance, they think of their house, their car, and maybe life insurance. What many people don’t think about though is earthquake insurance.

While earthquakes don’t strike regularly, it only takes one minor tremor to cause significant damage to your home’s foundation, resulting in tens of thousands of dollars in damage if not more.

At Jason Bentley Agency, we take protecting your house very seriously, and that means not leaving any stones un-turned.

When we talk about insurance, the entire purpose of insurance is to transfer risk to an insurance company, therefore protecting your assets should the worst happen. Being that your home is most likely your most valuable asset, it only makes sense to explore the benefits of earthquake insurance.

Homeowners insurance does not cover earthquakes

In many states, earthquake insurance is sold as a stand-alone policy, meaning that is does not come as a part of your homeowners policy. Homeowners policies don’t cover earthquakes in any way, so it’s important to understand this catastrophic exclusion that exists in your coverage.

Earthquake Insurance Coverages

Like homeowners insurance, earthquake insurance’s main duty is to protect your home. This means the most important coverage limit on your policy is the “Dwelling Coverage” limit, which is designed to cover the main structure of the home.

There may also be coverage for personal property as well.

You will also have a deductible, which can range anywhere from $1,000 up to $10,000 or possibly more. Like homeowners insurance, the higher deductible you take, the lower your premium will be.

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Health Insurance

We’re the Health Insurance expert in China Grove

Understanding the ins and outs of health insurance has become more and more difficult over the past several years.

Luckily, at Jason Bentley Agency, we have access to a long list of health insurance providers, and can walk you through your options.

Individual & Group Health Insurance

If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. If you own a business and would like to compare your options for group coverage, we can help you with that also.

If you’ve ever tried to decipher health insurance plans on your own, you may have noticed that there are dozens of different plan types, and multiple providers who offer them.

This leads to confusion as to which company is best, and which plan is most appropriate for you needs.

Health Insurance Plan Variables

When deciding which plan is best, there are multiple variables that impact the final cost. During our meeting or phone call, we’ll discuss things like:

  • Deductible options
  • Co-insurance percentages
  • Waiting Periods
  • Exclusions & Conditions

If that sounds confusing, don’t worry, we’ll make it very simple.

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Disability Insurance

Looking for Disability Insurance in China Grove?

Jason Bentley Agency has got you covered!

Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?

Why then is it that people have historically been more likely to buy life insurance, not disability insurance?

The answer is simple: insurance consumers are confused by disability insurance. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.

If that sounds like you, don’t worry. The team at Jason Bentley Agency is here to help.

Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness.

If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision.

Two different types of Disability Insurance

There are two different types of disability coverage:

Long Term Disability

Long Term Disability (LTD policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life

Short Term Disability

Short Term Disability (STD) policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Important Disability Insurance Conditions

Non-cancelable

This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable

This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

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More things to consider

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time.
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of living adjustment (COLA) 
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or partial disability rider 
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

If this sounds confusing, don’t worry. The team at Jason Bentley Agency is here to walk you through your options and make sure you get the best possible coverage for your needs and budget.

RV Insurance

RV Insurance in North Carolina

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let Jason Bentley Agency help you select the right coverage for your RV needs and get a great price at the same time.

You can even request a quote online and we’ll get back to you with quotes from multiple companies so you can compare and save!

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Recreational Vehicle Insurance
RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.

Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.

Options tailored to your needs can include:
Stated Value – market value/actual cash value of the RV
Agreed Value – the insured amount, regardless of the current market value
Replacement Cost – replace your insured RV with a new RV that is most like it

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.

Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.

You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats.

Jason Bentley Agency is locally operated to handle your insurance needs. We offer affordable and reliable insurance choices from multiple insurance companies.

Travel Insurance

A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling.

What does Travel Insurance Cover?

  • Accidental injury, sickness, or death of you, a traveling companion or a family member
  • Weather events that cause cancellations in travel plans or a cessation of service
  • Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster
  • Strike that causes complete cessation of travel services of your carrier
  • Bankruptcy and/or default of your travel supplier
  • Terrorist attacks that occur in your destination city
  • You or your traveling companion are terminated, or laid off from employment

Travel coverage is literally indispensable for international trips, and for travelers of all ages and occupations, it’s a great way to take control over the potential costs of a trip.

Whether you’re planning on going solo or with a group of friends or family, Jason Bentley Agency can help you find an appropriate domestic or international travel insurance policy that meets your needs.

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Renters Insurance

Looking for a better Renters Insurance Policy in China Grove?

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.

Let Jason Bentley Agency help you find coverage options that protect you, your family, and your personal property. Let us help make sure you’re properly covered.

What You Need to Know

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Protect Yourself and Your Guests

Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.

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The Right Coverage, The Right Price

Whether you’re starting out, between homes, or downsizing, we’ll help you pick the best renters insurance coverage that best fits your needs.

Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.

ATV & Powersports Insurance

Looking for ATV insurance in China Grove?

Jason Bentley Agency has several ATV insurance companies to choose from.

All-Terrain Vehicles (ATV) are becoming increasingly popular, and come in a variety of different models. Most insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.

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ATV insurance is very similar to motorcycle insurance actually.

All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Jason Bentley Agency can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you focus on having fun.

High Net Worth Insurance

Looking for High Net Worth Insurance in China Grove?

Did you know that most high-net worth households are severely under-insured?

This is because many insurance consumers are unaware that there are insurance companies and products out there specifically designed for high net worth individuals and families.

Don’t just rely on any policy for your insurance needs!

The truth is, high net worth families have different needs when it comes to their insurance coverage, which is why Jason Bentley Agency offers concierge level service, and fully customizable insurance policies to meet the unique, and often demanding needs of higher net worth households.

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Our high net worth coverage includes coverage for:

  • primary, secondary, vacation homes
  • private collections & collectibles
  • identity theft
  • kidnap and ransom
  • rugs & furs
  • high end furniture
  • artwork
  • high end autos

When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.

If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!

High Value Homeowners Insurance

If your like most homeowners, your home is your single greatest asset. It should be insured as such.

What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home. Even policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up.

These types of policies aren’t bad, but in most cases they are not appropriate for truly high value homes.

Insuring your home adequately is serious business. At Jason Bentley Agency we can customize a high value homeowners policy specifically for your home — no cookie cutter policies here.

High Value Homeowners Quoting Process

Quoting a high value home is different than quoting a standard home. 95% of the time, we will need to do a thorough, on-site inspection of the property to identify certain characteristics and the overall build quality of the home.

After we collect this information, we will then need to prepare the necessary documentation and applications to submit our proposal to the high value insurance carrier.

After the insurance company reviews the applications and returns their initial quote, we may need to adjust certain limits and coverages.

Once the quote is agreed upon and bound, the insurance company will often times complete their own physical survey and inspection of the home a few weeks later to ensure that the policy is 110% accurate.

Sometimes, coverages will be adjusted after the carriers inspection.

High Value Auto Insurance

Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.

At Jason Bentley Agency, we can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.

Flood Insurance

Looking for Flood Insurance in North Carolina?

When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.

In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.

If you’re looking for flood insurance in China Grove we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse than others.

In most situations, you will have a 30 day waiting period when you buy flood insurance, so don’t wait until it’s too late!

flood insurance China Grove NC

Homeowners insurance does not cover flood damage

Regardless of whether you live in China Grove or any other part of North Carolina, flood insurance has to be purchased as a separate, stand-alone policy.

It is not covered by homeowners insurance.

Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.

If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Condo Insurance

Looking for Condo Insurance in China Grove?

Jason Bentley Agency has you covered!

Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.

Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.

Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.

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Condo insurance for Town-homes

It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.

If you live in a town-home, be sure that you have the correct type of insurance.

Jason Bentley Agency is here to help you understand the differences between a homeowner’s policy and a condo policy.