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May 1, 2026
HO3 vs. HE7 Homeowners Insurance in North Carolina: Why Most Homeowners Should Choose the Enhanced HE7 Form HO3 vs. HE7 Homeowners Insurance in North Carolina:...

A Homeowner’s Guide to Dealing with Ice Dams
February 2, 2026
Ice dams form when snow on a roof melts, runs down to colder eaves, and refreezes into a ridge that blocks drainage. Over repeated melt-freeze...
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
Carolina insurance has provided me with great friendly customer service to...
Jim E

Ray and Phyllis have consistently provided me with exceptional service and...
Mark B

We have been represented by Carolina Insurance Group for decades now. We have...
Nan B

Sandy (A.K.A Sandra) has always been so kind and very helpful for me with all...
Kayla A

Ray was great. He answered all of my questions and got me a much better rate...
Chris D

Ray was very accommodating in servicing our needs on a pretty tight timeline. ...
Steve L
SL
I worked with Ray at Carolina Insurance Group and he made the insurance...
Michael L
