Shelton Insurance Center, Inc.

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Homeowners Insurance, Agriculture Insurance, Annuities & Retirement Insurance Plans

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Today: 8:30 am - 5:00 pm

Tomorrow: 8:30 am - 5:00 pm

(704) 982-0155Call Visit WebsiteVisit Website Map & DirectionsDirections1625 Nc 24 27 Byp WAlbemarle, NC 28001 Write a ReviewWrite Review

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Regular Hours

Mon - Fri:	8:30 am - 5:00 pm

Shelton Insurance Center, Inc.

Auto Insurance
Automobile - Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Optional coverage include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and others.

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Places Near Albemarle with Homeowners Insurance

Aquadale (12 miles)
New London (12 miles)
Badin (13 miles)

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Extra Phones

Fax: (704) 982-0599

TollFree: (888) 252-4626

Other Links

http://www.sheltoninsurancecenter.com

http://sheltoninsurancecenter.com/our_locations.html

Categories

Homeowners Insurance, Agriculture Insurance, Annuities & Retirement Insurance Plans, Auto Insurance, Health Insurance, Insurance, Liability & Malpractice Insurance, Life Insurance, Real Estate Agents, Renters Insurance, Workers Compensation & Disability Insurance

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Details

Phone: (704) 982-0155

Address: 1625 Nc 24 27 Byp W, Albemarle, NC 28001

Website: http://www.sheltoninsurancecenter.com

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Shelton Insurance Center, Inc.

Auto Insurance
Automobile - Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Optional coverage include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and others.

Renters Insurance
Renters - Renters insurance is designed for individuals who rent their residence. This is a policy which packages the following insurance coverage: Property damage to your Contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your apartment because of covered damage; and your Personal Liability.
Home Insurance
Homeowners - Homeowners insurance is designed for individuals who own their homes. This is a policy which packages the following insurance coverage: Property damage to your home and it's contents (furniture, clothing, etc.); Outbuildings on your property; Additional Living Expenses (extra expense for Rent, Food Utilities; etc) if you cannot live in your home because of covered damage; and your Personal Liability.

Health and Life

Life Insurance
Life Insurance - This is one of the most valuable protections you can provide for your family. The proceeds of this policy are paid to your beneficiary, in the event of your death. Many types of policies are available from many different companies we represent, some of the most popular policies include: Term Insurance (this policy provides protection for a limited period of time, with an increasing premium, and is available in policy periods of 1 year, 5 years, 10 years, 20 years and 30 years, these policies are generally renewable with a premium increase at the end of each period); Whole Life, which is designed to provide protection for all of a person's life, at a level premium, and builds a Cash Value; Universal Life (provides for a flexible premium payment, allows you to change the death benefit from time to time, and still builds a Cash Value); and Variable Life, which is similar to Whole Life policies, but allows the insured to choose how the Cash Value is invested, shifting the investment risk from the insurance carrier to the insured. The average person should have Life Insurance equal to 6-8 times their annual income.
Health Insurance
Health Insurance - This policy is available in various forms. The most popular policies provide coverage for Hospital and Surgical expenses, outpatient and inpatient Physician expenses and Ancillary (laboratory, x-rays, prescription medication, etc) expenses. Individual Health insurance policies typically now have to conform to the Affordable Care Act. Premium is based on age.
Disability Insurance
Disability Insurance - Your chances of becoming disabled are 20 to 30 times greater than your chances of dying in any given year (based on age 35). Disability Insurance replaces your lost income, should you become disabled. You can purchase Short Term Disability (for the first 6 months of wage loss); Long Term Disability (for wage loss after 6 months); or both. This coverage is triggered by your inability to work as the result of accident or sickness.
Long Term Care
Long Term Care Insurance - As our population ages, we must prepare to take care of not only our parents, but also ourselves. Currently Medicare insurance pays only a limited amount (8 percent on average) of the bills for nursing home stays. Medicaid requires that you use up most of your personal assets before it will pay anything for nursing home expenses. Most Health insurance pays nothing for nursing home or home health care. Long Term Care policies are designed to protect your assets and preserve your dignity by paying for nursing home stays, assisted living facilities and home health care. Normally these policies require that you become unable to perform some of your necessary daily functions (cook, clean, bathe, dress, take medications, etc.) before they pay benefits. This coverage is affordable, and is becoming very popular with clients who are age 50 and older.

Workers Compensation Insurance
Shelton Insurance Center, Inc. can cover all of your insurance needs. From Auto, Home, Health, Life and Personal Property Insurance to everything you need to protect your business, such as Commercial Auto, Commercial Property, General Liability and Worker's Compensation Insurance, we have you covered. You can reach us by phone, e-mail or come see us at our Albemarle NC office. Contact one of our licensed agents today and let us make sure you are protected.
Commercial Liability Insurance
Business Umbrella - This policy provides additional Liability coverage to your business, above that already provided by other policies (General Liability, Automobile Liability, Employers Liability, etc.) Coverage is available in increments of $1 million and the premium rate decreases as coverage limits increase. This is an important coverage which every business should consider. The greater your companies assets, the higher you Business Umbrella limits should be.
Professional Liability Insurance
Professional Liability - This commercial coverage is designed to cover the unusual Liability exposures arising from certain Professions. Those Professionals who may need this special coverage include: Physicians; Dentists; Pharmacists; Attorneys; Accountants; Social Workers; Nurses; Funeral Home Directors; Architects and Engineers; Ministers; Barbers and Beauticians; Computer Programmers and Software Designers; Insurance Agents; Opticians; Veterinarians; etc.

Annuities
Deferred annuities provide you with a way to save money on a tax-deferred basis. You do not pay any taxes on the earnings until you withdraw the money. When you withdraw, the earnings are considered to be withdrawn first and are taxable. When they are depleted, your original principal is returned free of tax. If you withdraw before the age of 59 1/2 a penalty tax might apply. All of this assumes non-qualified status. If your annuity is part of a qualified retirement plan such as an IRA, all withdrawals are taxable since a tax deduction was taken on the front end.
Liability Insurance
Personal Umbrella - This Liability policy provides additional coverage, above that provided in your Home, Auto and Boat policies. This policy is typically purchased by those individuals with higher incomes, and more assets at risk.

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