Insurance FAQ | Corretjer's Insurance Group

Question 1

What is an independent insurance broker?

Accepted Answer

An independent broker like Corretjer's Insurance Group represents multiple insurance carriers — not just one. That means we can shop your coverage across 40+ companies to find the best rate and coverage for your specific situation. A captive agent (like a State Farm or Allstate agent) can only offer you their company's products.

Question 2

How does Corretjer's make money?

Accepted Answer

We earn a commission from the insurance carrier when we place your policy. This commission is built into the premium — you don't pay extra to use our services. Our goal is to find you the best rate, which keeps you as a long-term client.

Question 3

Do you re-shop my insurance at renewal?

Accepted Answer

Yes — this is one of our core commitments. At every renewal, we proactively compare your current rate against the market to make sure you're still getting the best deal. If we find a better option, we'll let you know.

Question 4

What auto insurance is required in North Carolina?

Accepted Answer

North Carolina requires minimum liability coverage of 30/60/25 ($30,000 bodily injury per person, $60,000 per accident, $25,000 property damage) plus uninsured motorist coverage at the same limits.

Question 5

What is the difference between full coverage and liability only?

Accepted Answer

Liability only covers damage you cause to others. Full coverage adds collision (damage to your own vehicle in an accident) and comprehensive (theft, weather, vandalism). Full coverage is typically required if you have a car loan or lease.

Question 6

What factors affect my auto insurance rate?

Accepted Answer

Your rate is based on your driving history, claims history, credit score, vehicle type, age, location, annual mileage, and the coverage levels you select. We use all of this information to find the most accurate and competitive rate across our carrier network.

Question 7

Can I add multiple vehicles to one policy?

Accepted Answer

Yes. Multi-vehicle policies often come with a discount. You can insure up to 4 vehicles on a single quote through our form, or call us for larger fleets.

Question 8

What does homeowners insurance cover?

Accepted Answer

A standard HO-3 policy covers your dwelling structure, personal property, personal liability, and additional living expenses if your home becomes uninhabitable. It covers most perils except flood, earthquake, and normal wear and tear.

Question 9

Does homeowners insurance cover flood damage?

Accepted Answer

No. Flood damage requires a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private carrier. Given North Carolina's hurricane and flooding risk, we strongly recommend flood coverage.

Question 10

Can you insure a mobile or manufactured home?

Accepted Answer

Yes. We specialize in mobile and manufactured home insurance through carriers like Foremost and ASI. These require HO-7 policies that many standard carriers won't write. We also have a dedicated landing page for mobile home insurance.

Question 11

How is my home's insured value determined?

Accepted Answer

Your home should be insured for its replacement cost — what it would cost to rebuild it from scratch at today's construction prices — not its market value or purchase price. We'll help you calculate the right amount.

Question 12

Can I bundle auto and home insurance?

Accepted Answer

Yes, and we highly recommend it. Bundling your auto and home insurance with the same carrier can save you 10–25% on both policies. We'll compare bundled and separate rates to show you the best overall option.

Question 13

What other discounts are available?

Accepted Answer

Common discounts include multi-vehicle, good driver, good student, paperless billing, paid-in-full, home security system, new home, and loyalty discounts. The availability varies by carrier — we'll identify every discount you qualify for.

Question 14

How much can I save by switching?

Accepted Answer

Savings vary widely based on your current coverage and carrier. Our clients commonly save $200–$800 per year on auto insurance and $150–$500 per year on home insurance. The only way to know is to get a free quote.

Question 15

How do I file a claim?

Accepted Answer

You file claims directly with your insurance carrier. We'll provide you with your carrier's claims contact information when your policy is issued. If you need help navigating a claim, call us — we're here to advocate for you.

Question 16

Will filing a claim raise my rates?

Accepted Answer

It depends on the claim type, your history, and your carrier. At-fault accidents and certain claim types can affect your rate at renewal. We'll help you evaluate whether filing a claim makes sense for your situation.

Question 17

How do I reach Corretjer's Insurance Group?

Accepted Answer

Call us at (980) 341-5838, Monday through Friday 9am–6pm EST, or email us at cig@autosandhomeinsurance.com. You can also get a free quote online anytime.

Frequently Asked Questions

About Corretjer's Insurance Group

Auto Insurance

Home Insurance

Bundling & Discounts

Claims & Service

Still Have Questions?