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Auto Insurance

Home Insurance

Health Insurance

Personal Insurance

Grace Tax and Insurance provides a variety of personal lines policies to fit your needs.  We know our clients and we know insurance.  Our team is well versed and will design a customized insurance package that is right for you and your family.

Auto Insurance

Auto Coverage may protect you in the event of:

  • At Fault Accidents
  • Not at Fault Accidents
  • Theft
  • Vandalism
  • Acts of God

Remember:  Having the right coverage can always make a stressful situation easier.  Auto policies are divided in to two types.

  • Liability Coverages –  These cover the other vehicle if you are in an At-Fault accident.  This type of coverage is required by the state to operate a vehicle.
  • Comprehensive and Collision Coverages –  This coverage covers your vehicle if you are in an accident either At-Fault or not at fault.  You are not required by the state to carry this coverage but you may be required by your lien holder if your vehicle is not paid for.

Making sure you have enough coverage is also important.  The state of NC minimums are 30/60/25.  What does that really mean?  The 30/60 refers to Bodily Injury.  If you carry this amount of coverage the insurance company will pay out $30,000 per person and $60.000 per accident for medical expenses to the other party in an at fault accident.  The 25 refers to Physical Damage.  In this scenario if you had an accident that was your fault and the other vehicle had to be repaired or replaced the insurance company would pay $25,000 towards the cost.

Always remember that going the cheapest route isn’t always the best option.  Sometimes for a few dollars more a month you can increase your coverage, which means if you were in a big fender bender you would be paying less out of pocket.

Check out this handy Consumer Guide for more information.

For most Americans, their home is their largest single investment. Beyond being a dwelling place, it is also a place where lives are molded and impressions are made. Sadly, unfortunate events do not discriminate.

Home Insurance can make sure you are protected.

Homeowners Coverage may protect you in the event of:

  • Burglary and Theft
  • Water and Pipe Damage
  • Liability Suits
  • Destruction from natural disasters or fallen trees

Remember: Life is unpredictable.  We can bring some stability by having the right coverage in place to make it easier.

Home coverage is divided in to several categories

  • The Home and any structures attached to the home
  • Other Structures such as an outbuilding or storage shed
  • Contents – Your personal belongings inside the home
  • Medical
  • Loss of Use – Often insurance companies will pay for hotels or other expenses in the event that the home is unhabitable

The minimum amount of coverage you can have on a home is 80% of the replacement cost.  The amount that is covered in the categories listed above is based on which plan type you choose.  Make sure you are getting what you need.  Let your professional agent help answer the questions and customize a great plan that leaves you feeling relief instead of grief.

Check out this handy Consumer Guide for more information.

Health Insurance

Your health is as important to us as it is to you.  We can find options that work for you and your family.

BCBS of NC

Authorized Agent