Insurance Blog
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?...
That Guitar, Coin Collection, or Comic Book Stash Might Be Worth More Than Your Policy Covers
August 18, 2026
Most homeowners and renters policies include coverage for personal property — but that coverage is built for everyday belongings, not specialty items with values that...
Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to Know
August 16, 2026
Summer is peak season for recreational vehicles. Whether you're out on the water with a boat, exploring the country in an RV, or hitting a...
Is Your Employer-Provided Life Insurance Enough? What You Should Know
August 7, 2026
Employer-provided life insurance, often called group life insurance, is a policy your employer purchases to cover you and sometimes your dependents. It's typically offered as...
Medicare Part D: Understanding Prescription Drug Coverage
August 6, 2026
For many people on Medicare, prescription medications are a daily reality. Understanding how Medicare covers prescription drugs—and how to make sense of your options—is an...
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....
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