There are thousands of different insurance types and policies that you can choose from and each covers a different type of property or item. Much like home owner’s insurance, property insurance policies are put into place to protect the property of those that hold the policy. Property insurance generally covers a particular structure as well as its contents. For those in the Goldsboro, NC area, the agents with Wayne Realty & Insurance Co., Inc. can help you to find the right property insurance policy.

Property insurance, much like renters insurance or homeowner’s insurance, is in place to protect both the structure as well as the contents of that structure. This type of insurance covers things like damage and theft to the property that is contained in the structure as well as damage to the structure itself. Property insurance is more a category than a policy type and can be anything from homeowners insurance to flood or earthquake insurance depending on how you put it together and how you label the overall policies.

This type of insurance is beneficial to all that own property as it does help to protect your investment as well as any possessions that you may have inside any structure. For those that are thinking about taking out this type of insurance, it is always beneficial and can help you to protect your property from theft, damage, and much more. If you have a typical homeowner’s policy, you may not need an expanded property insurance policy, but you can certainly take one out as needed or amend your existing insurance policy.

For those in the Goldsboro, NC area, the agents with Wayne Realty & Insurance Co., Inc. can help you to find the perfect property insurance policy for you and your particular needs. Reach out to our office for more information.

As a business owner, it is important to make sure that you do everything that you can in order to protect your business in Goldsboro, NC. There are a lot of things that you can do to protect your business as well as different aspects of your business. However, here at Wayne Realty & Insurance Co., Inc., we know that the best thing that you can do is get a commercial insurance policy. 

How to Know if Your Business Needs Commercial Insurance

If you own a business, then you need to have a commercial insurance policy. There is no other way around it if you want to provide your business with the best protection possible. One of the best things about a commercial insurance policy is that it is unique to the business it protects. You can get everything you need in a commercial insurance policy, and there is no "one size fits all" options.

If you want to make sure you can protect your business, then you need to get a policy that you can use to protect it. You can also put this policy in place to help protect your employees, protect you against employees, and even to provide workers compensation coverage to your employees. What it comes down to is that there is nothing else that can protect your business the way a commercial insurance policy can. 

If you are in the market for a commercial insurance policy, we can help you get a policy that meets all of your needs. We can provide you with a free quote, or we can even take a look at a current policy that you may have in place to make sure that it is exactly what you need. Be sure to contact us here at Wayne Realty & Insurance Co., Inc., serving Goldsboro, NC, today to learn more and get started.

Using umbrella insurance as an estate planning tool can save you money while protecting your assets from lawsuits and loss. Umbrella insurance supports your existing legal, auto, and home policies, which can help protect your survivors from lawsuits and loss. Keep reading to learn more and feel free to reach out to your Wayne Realty & Insurance Co., Inc. representative in Goldsboro, NC with any questions.

Why You Might Need Umbrella Insurance

No one wants to think about the kind of things that can go wrong. Perhaps a child falls into your pool and is badly injured, or maybe you are driving in bad weather and cause an accident. These are just two of a myriad of things that can go wrong and result in a lawsuit against you.

Regular liability coverage is included in your home or auto insurance. This covers the injured party’s medical expense and some other fees due to your negligence. Legal expenses are also covered, but there is a cap on your total policy amount. To breach the gap, you need an affordable option. This is where umbrella insurance comes in. It’s a type of liability insurance that covers you above and beyond your primary insurance. It doesn’t replace your need for existing coverage, but it can protect you against catastrophic events. 

Umbrella policies are broader in scope than traditional auto or home insurance, which allows you to account for unique risks. For example, protection against false arrest, defamation, and invasion of privacy might be needed for specific businesses. Umbrellas liability coverage may be appropriate for transportation and retail industries. 

Contact Us

Contact your Wayne Realty & Insurance Co., Inc. in Goldsboro, NC to find out how umbrella insurance can benefit you as part of a comprehensive estate planning strategy.

 

 

Health insurance is something that everyone is talking about and that many people have real issue with when it comes to fully understanding. That being said, there are a great number of different types of health insurance to deal with and one that is very common is group health insurance. For those in the Goldsboro, NC area, the agents with Wayne Realty & Insurance Co Inc. can help you find the policy that is right for you.

So what is group health insurance? For starters, this type of insurance is only available through an employer for specific reasons. Group insurance is a policy type that is offered to employers that offer their employees health benefits.  A group policy is going to consist of the main provider, the main facility or entity ( your employer) and the individuals that make up the group.

The more people that are in the group, the bigger the discount for the employer, and the better rates that the employees are able to get. Say you work for a business that has 200 employees. The employer has the chance to take out a group policy for those 200 employees for which they will get a discounted rate for having a larger group than they would if they took out an individual policy for each employee. As a result, the employer can then offer the insurance to the employee at a discounted rate as well so that they are covered and so that the employer meets their legal requirements for offering insurance.

This is a great way to really make sure that employers and employees are both covered and that everyone gets the insurance they need without having to spend thousands of dollars each month to do so. For those in the Goldsboro, NC area, the agents with Wayne Realty & Insurance Co Inc. can help.