Julie Hahn

Insurance Agency

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Julie Hahn

Insurance Agency

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(704) 448-0802

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We Cover It All - So You Can Worry Less

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Commonly Asked Questions

1

What types of insurance do you offer in North Carolina?

We offer a wide range of personal and commercial insurance policies tailored to meet the diverse needs of North Carolina residents. Our offerings include auto, home, renters, condo, life, health, business, and pet insurance.

Whether you’re protecting your family, your property, or your business, we’ll help you find the right coverage.

2

Is car insurance mandatory in North Carolina?

Yes. North Carolina law requires all drivers to carry minimum liability insurance limits of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. You’re also required to carry uninsured motorist coverage.

If you’re financing your vehicle, your lender may also require comprehensive and collision coverage.

3

What factors affect my insurance rates?

Several factors can influence your insurance premiums in North Carolina, including your driving record, age, gender, credit score, type of vehicle, claims history, and where you live. Urban areas, for instance, often have higher rates due to increased risk of accidents or theft.

We work with multiple carriers to find you the best rate based on your unique profile.

4

Do I need flood insurance for my home?

Standard homeowners insurance policies do not cover flood damage. If your home is in a high-risk flood zone or near the coast or rivers, we strongly recommend a separate flood insurance policy.

North Carolina is prone to hurricanes and heavy rains, so even homes outside designated flood zones can benefit from flood coverage.

5

Is hurricane or windstorm damage covered in North Carolina home policies?

In many parts of North Carolina, wind and hurricane damage are included in your homeowners policy, but often come with a separate deductible. In certain coastal counties, you may need a standalone windstorm policy or coverage through the NC Joint Underwriting Association (NCJUA).

We’ll help ensure you’re not left exposed during hurricane season.

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Julie Hahn

Insurance Agency

An Allstate Agency

Service Area: We proudly serve Gastonia, North Carolina, and the greater North Carolina and South Carolina areas.

Disclaimer: The Julie Hahn Insurance Agency is an independent insurance agency. The information provided on this website is for general informational purposes only and does not constitute legal or professional advice. Insurance policies vary and may be subject to exclusions, limitations, and terms. Please consult with one of our licensed agents for personalized advice and to obtain the most up-to-date information regarding insurance coverage. Use of this website constitutes acceptance of our Privacy Policy.

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