Frequently Asked Questions

Liability insurance covers damage you cause to others, while comprehensive covers your own vehicle from non-collision events like theft, vandalism, or weather damage. Collision coverage handles accidents with other vehicles or objects. At Pentagon Group Insurance, we help Matthews, NC drivers choose the right combination based on their vehicle value and risk tolerance.

Uninsured motorist protection covers your medical bills and vehicle damage when you're hit by a driver without insurance or who flees the scene. It's especially important in North Carolina where not all drivers carry adequate coverage. This coverage fills the gap when the at-fault driver can't pay.

Homeowners insurance protects your dwelling structure, personal property inside, and provides liability coverage if someone is injured on your property. Policies are customizable to fit individual needs and property values. At Pentagon Group Insurance, we tailor coverage options to protect what matters most to Matthews homeowners.

Businesses need general liability insurance as soon as they interact with customers, vendors, or operate from a physical location. This coverage protects against lawsuits from accidents, injuries, or property damage claims. It's often required before signing leases or contracts with clients.

Workers' compensation provides medical benefits and wage replacement for employees injured on the job, regardless of fault. North Carolina requires most businesses with three or more employees to carry this coverage. It protects both the employee's recovery and the employer from costly injury lawsuits.

Term life insurance provides coverage for a specific period at lower premiums, while cash value life insurance builds savings you can access during your lifetime. Cash value policies cost more but offer financial flexibility and permanent protection. Pentagon Group Insurance helps clients choose based on their long-term financial goals.

Most renters insurance policies provide limited coverage for belongings while moving between residences. Coverage typically applies during transit and at your new location for a short period. Check your specific policy details, as some carriers offer optional moving coverage endorsements for additional protection.

Umbrella insurance provides additional liability protection beyond your standard auto and home insurance limits, typically starting at $1 million. It covers major lawsuits from serious accidents, injuries on your property, or libel and slander claims. This coverage protects your assets when basic policy limits are exceeded.

Medicare Advantage bundles hospital, medical, and often prescription coverage through private insurers with networks and prior authorizations. Medicare Supplements work alongside Original Medicare, offering more provider freedom but requiring separate drug coverage. At Pentagon Group Insurance, we provide expert guidance through plan selection based on your healthcare needs and budget.

Final expense life insurance covers end-of-life costs like funeral services, burial or cremation, and outstanding medical bills. These policies typically have lower coverage amounts and are easier to qualify for than traditional life insurance. They ensure your family isn't burdened with funeral expenses during a difficult time.

Commercial auto insurance primarily covers vehicles used for business purposes, but most policies include incidental personal use by employees. Coverage depends on how the vehicle is classified and used. At Pentagon Group Insurance, we help Matthews businesses structure policies that protect against both business operation risks and employee driving accidents.

Homeowners insurance rates in Matthews, NC depend on your home's age, construction materials, roof condition, proximity to fire hydrants, and claims history. Local weather risks and replacement costs also impact premiums. Customizing your coverage and adjusting deductibles can help balance protection with affordable rates.