Herring & Bickers Insurance of Durham, NC

Homeowners insurance, auto insurance, business insurance, life insurance.

Herring & Bickers Insurance Agency, Inc.

2344 Operations Drive, Suite 101

Durham, North Carolina 27705

Telephone: 919-479-9900

Facsimile: 919-479-1868

If you ever feel that you need to have someone review your policies, make any recommendations, or if you want to feel comfortable that you are insured as well as you should be, please do not hesitate to call us. We welcome the opportunity to thank you for giving us the privilege of providing you with all your insurance needs. We thank you for your referrals in the past and want to remind you that we do not solicit. We hope that you have a wonderful and blessed 2009. Your business is most appreciated.

Left to Right: Rusty Herring, Judy Costabile, Anita Spicer, Louise Churchill, Kathy Fields, Susan Gooch, Don White, Sylvia White, and Chad Bickers

What is Life Insurance?
Life Insurance is insurance for you and your family's peace of mind. Life insurance is a policy that people buy from a life insurance company, which can be the basis of protection and financial stability after one's death. Its function is to help beneficiaries financially after the owner of the policy dies.
It can also be a form of savings in the long run if you purchase a plan, which offers the option of contributing regularly. Additionally, a little known function of life insurance is that it can be tied in with a person's pension plan. A person can make contributions to a pension that is funded by a life insurance company. These are considered private pension arrangements.
In addition, you should also make a list of what you feel needs to be protected in your family's way of life. With a life insurance policy in place, you can: provide security for your family, protect your home mortgage, take care of your estate planning needs, look at other retirement savings/income vehicles.

What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage: property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral  expenses.