Homeowners and Auto Insurance

Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire.

With the help of your local independent agent from Total Protective, we can help all those in the Triangle area and surrounding counties in North Carolina find the best policy to safeguard their wellbeing and bring peace of mind.

Homeowner’s Insurance

Typically, one’s greatest investment is their home. Whether or not the homeowner’s insurance is required by a mortgagee, or whether a home is owned free and clear, whether or not a home is in a flood zone, or even the type of construction material the home consists of all play a large role in what type of homeowner’s insurance one purchases.

For those who need contents coverage only (renters), we can help you as well!

Auto Insurance

If you own a car, you have to have this one!  And, you want to make sure that you are covered by a reputable, well-known company, such as the ones listed on this site.  We can help you, even if you driving record is less than spotless!  Just give us a call!

What Is Personal Property Coverage?

Personal property coverage is a type of protection that you find in every homeowners insurance, condo insurance, and renters insurance policy. It protects your personal belongings — from furniture to clothing, and yes, even your plants! Most people don’t realize what their belongings are worth and your household possessions have a good chance of being more valuable than you think! It’s easy to overlook those vintage vinyl records and memorabilia.

How Much Does Personal Property Insurance Cost?

Personal property coverage will be included in every homeowners policy. We will be happy to give you a quote when we learn specific details about your personal property needs, which is also called contents coverage. Once we have that information, along with your property information, we will be happy to give you a competitive quote.