Insurance Blog
HO-3 vs HE-7 Homeowners Insurance: What Garner & Fuquay-Varina Homeowners Should Know
September 10, 2026
If you own a home in Garner or Fuquay-Varina, you've probably heard the term "homeowners insurance"—but you may not have heard of the policy forms...
Own a Travel Trailer or Camper? Here’s What Your Auto Policy Probably Isn’t Covering
September 9, 2026
Travel trailers and campers offer some of the best memories a family can have — but they also come with insurance considerations that are easy...
Life Insurance Awareness Month: How Much Coverage Do You Really Need?
September 7, 2026
Why Life Insurance Awareness Month Matters Every September, the life insurance industry recognizes Life Insurance Awareness Month, an effort to encourage more people to think...
How to Prepare for Medicare’s Annual Enrollment Period
September 6, 2026
What Is the Medicare Annual Enrollment Period? The Medicare Annual Enrollment Period, sometimes called AEP, runs each year from October 15 through December 7. During...
Disaster Preparedness for Small Businesses: Why a Continuity Plan Matters
September 4, 2026
National Preparedness Month Is a Reminder for Business Owners, Too Every September, FEMA's National Preparedness Month encourages individuals and organizations to think ahead about how...
Back-to-School Driving: Insurance Tips for Teen and Student Drivers
September 2, 2026
September means school buses, morning carpool lines, and for many families, a new teen driver on the road. Whether your teenager is driving themselves to...
How ERIE Handles Claims Away from Home
August 23, 2026
Insurance claims usually aren’t a top priority for travelers heading on a road trip. A specialized team of ERIE claims professionals make certain they remain...
Back to School, Back to Basics: Why August Is a Good Time to Review Your Life Insurance
August 22, 2026
Every August, families across the country shift into a new gear. School supplies are purchased, schedules are reorganized, and households go from a slower summer...
Medicare Supplement Insurance (Medigap): What It Is and How It Works
August 21, 2026
Original Medicare—Parts A and B—provides broad coverage for hospital and medical services, but it does not cover everything. Deductibles, copays, and coinsurance can add up,...
Business Interruption Insurance: What Happens When Your Business Has to Close Temporarily?
August 19, 2026
Most business owners think about insurance in terms of protecting physical assets—the building, the equipment, the inventory. But what about the income your business generates?...
Customer Reviews
Ray Beaird is a good man. I have two cars insured with his office and would...
Terence M
I have been a customer of Carolina Insurance Group and Ray Beaird for many...
Steve M
The company and staff is always very helpful
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