Property & Casualty · Chapter 4 · NC Licensed
Protecting what you own — with coverage that actually fits.
Most people don't review their home, auto, or commercial insurance until they file a claim and discover the coverage wasn't what they thought. A periodic review doesn't take long and often finds meaningful gaps — or savings.
Homeowners
Replacement cost vs. actual cash value. Liability limits. Scheduled personal property. Flood and wind exclusions. Most homeowners have never had their policy explained to them.
Auto
Liability minimums in NC are not enough for most families. Uninsured motorist, rental reimbursement, and gap coverage are worth reviewing — especially after a new vehicle purchase.
Commercial
Small businesses often carry the wrong mix of BOP, general liability, professional liability, and workers' comp. One claim can expose gaps that existed for years.
What a P&C review involves
Reading your current declarations page and identifying what you actually have
Comparing your limits against your exposure (assets, income, vehicles)
Identifying gaps — what you probably think you have vs. what you actually have
Checking whether your current premium is competitive given the coverage
Recommending changes — or confirming that your coverage is right
Who this is for
This is most useful for homeowners and business owners who haven't had their coverage reviewed in a few years — or who've had a significant life change (new home, new vehicle, new business activity, marriage, or estate growth) that should trigger a policy update.
Duane also works with funeral homes that need commercial coverage reviewed — a niche he understands from the inside.
NC Only
Property & Casualty licensed in NC only at this time. SC P&C licensing is in progress. Duane will confirm what's available in your state.
Getting Your Affairs in Order
Most people don't need all of these at once — but knowing which chapter you're in helps.
When did you last actually read your homeowners or auto policy?
Call or text (919) 822-2010. A policy review takes about 20 minutes and often finds something worth fixing — or confirms you're in good shape.