Insurance Blog
When Should I Call My Insurance Agent?
August 4, 2026
An insurance agent isn’t just someone who can sell you a policy. Whether you have a question about your coverage, need to file a claim...
What to Do After a Hit and Run
August 4, 2026
Getting in a car accident is enough to ruin anyone’s day. But if you’re involved in a hit-and-run, the experience can be especially disorienting. You...
General Liability Insurance 101: A Foundation for Every Small Business
August 4, 2026
If you own a small business, you've likely heard that general liability insurance is something you should have. But what exactly does it cover, and...
Renters Insurance Costs Less Than Your Streaming Subscriptions — So Why Do So Many Renters Skip It?
August 3, 2026
If you rent your home or apartment, there's a common and costly assumption floating around: that your landlord's insurance policy protects your belongings. It doesn't....
Back-to-School Season: Does Your Auto Insurance Cover a Teen Driver?
August 1, 2026
Every August, millions of families prepare for back-to-school, and for households with a newly licensed teen, that checklist includes an important question: Is your auto...
Does Your Homeowners Policy Really Cover Your ATV or Golf Cart? Probably Not the Way You Think
July 27, 2026
If you own an ATV, golf cart, or similar recreational vehicle, there's a good chance you're assuming it's protected the same way your lawn mower...
Understanding Life Insurance Beneficiaries: How to Choose and When to Update
July 22, 2026
When you purchase a life insurance policy, one of the most important decisions you'll make is choosing who will receive the policy's death benefit. This...
Medicare Advantage vs. Original Medicare: Key Differences to Help You Decide
July 21, 2026
When you become eligible for Medicare, one of the first decisions you'll face is choosing how to receive your coverage. The two main paths are...
Commercial Auto Insurance: What Business Owners Should Know About Covering Company Vehicles
July 19, 2026
Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more...
Renters Insurance: The Affordable Coverage Most Renters Don’t Know They’re Missing
July 16, 2026
If you rent your home, apartment, or condo, you may assume that your landlord's insurance policy protects your belongings. Unfortunately, that's a common misconception—and a...
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
Charles G
CG