Mangum Insurance Agency, LLC

04/05/2026

Happy Easter to everyone from all of us at Mangum Insurance.

01/23/2026

With the incoming winter storm, please take a minute to view these helpful tips. Please prepare to help keep your family and home safe.

Each winter, hundreds are injured or killed by exposure to cold, vehicle accidents, and fires. Learn what to do stay safe during blizzards and other winter storms!

12/25/2025

11/11/2025

Thank you to all who served!

11/06/2025

Did you know that we can help you with investments? Do you have a CD or 401k sitting around and not earning much interest? We have a product that gives you an upfront 22% bonus that guarantees no loss on the principal. Reach out to discuss the options we have for you!

06/06/2025

This is very confusing for many clients and the insurance premium is very different between the two. Here is a brief summary for you to know when insuring your golf cart or LSV.

In North Carolina, Low Speed Vehicles (LSVs) are considered similar to motor vehicles and are required to have liability insurance and be registered at the DMV. Golf carts, while not explicitly mandated to be insured, are strongly recommended to carry liability insurance for potential accidents. LSVs, being considered motor vehicles, may also require other types of coverage like comprehensive and collision insurance.
Here's a more detailed breakdown:
Low Speed Vehicles (LSVs):
Considered Motor Vehicles:
LSVs are treated like regular vehicles in North Carolina, meaning they require registration at the DMV and are subject to similar insurance requirements.
Liability Insurance:
LSVs must have liability insurance to cover damages and injuries in the event of an accident.
Additional Coverage:
While liability is mandatory, LSVs can also opt for additional coverage like comprehensive and collision insurance.
Golf Carts:
Not Explicitly Mandated, but Recommended:
While not explicitly required by law, golf carts are strongly advised to have liability insurance to cover potential accidents.
Liability Insurance:
Liability insurance is highly recommended to cover damages and injuries caused to others in an accident.
Optional Coverage:
In addition to liability, golf cart owners can opt for comprehensive and collision insurance.
Homeowner's Policy:
Some homeowner's policies may offer basic coverage for golf carts used on the golf course.
Street Use:
If you plan to drive your golf cart on public roads, you'll likely need a specific policy through an auto insurance company, not a homeowner's policy.
Key Considerations:
Speed:
LSVs can travel faster (up to 25 mph) than golf carts (typically 15-20 mph).
Features:
LSVs have more features of a car, like turn signals, lights, and seatbelts, compared to golf carts.
Registration:
LSVs require registration and may have specific requirements for public road use.
In summary: LSVs are treated as motor vehicles and require liability insurance and DMV registration. Golf carts, while not mandated, are strongly encouraged to have liability insurance, and owners can opt for additional coverage based on their needs and use.

05/07/2025

Keeping jewelry on a homeowners policy can be dangerous for a multitude of reasons. Today we will outline the top 3!

1. Jewelry loss counts as a Homeowners loss
Jewelry losses hit CLUE and PILR reports causing the client to lose their "claim free rating."

2. Higher limits and fewer exclusions
We cover individual pieces up to $150k and schedules up to $500k. New appraisals are not needed. Our algorithms can take old appraisals, lab certs, and detailed sales receipts and give accurate insured value numbers. A client will never need to get a new appraisal on renewals.

3. Price, Price, Price!
Our prices are often 40% less than competitors (we pass on the savings created by our technology to the customers), allowing you to create the most affordable insurance plan for your client. We offer a few different discounts that allow even more savings!

Give us a call today to get a free jewelry quote through BriteCo!

04/25/2025

We are proud to announce our appointment with BriteCo for jewelry insurance! Many people do not know the limitations of the coverage for jewelry on their homeowners policy. BriteCo offers a comprehensive policy that provides far more protection at a great price. If you have one or multiple pieces of jewelry you would like to cover give us a call!

Below are the coverages included with BriteCo's policy:

125% of Appraised Value*

Worldwide Coverage

Damage

Loss

Theft

Mysterious Disappearance

Free Additional Insured at Different Address

Limited Impact of Claims on Homeowners Insurance

Preventive Maintenance †

Discount for Annual Pay

Monthly Pay Option

Zero Deductible

Free Automated Annual Insurance Value Updates

*Included with all standard jewelry policies

† Covers prong retipping; broken, worn or bent prongs; broken earring posts; clasp replacement; restringing of broken or stretched pearl strands; and stone tightening.

01/23/2025

FYI: NC Commissioner Mike Causey has concluded hearings on the NC Rate Bureau’s Homeowner’s rate increase request for an additional 42.2% increase. He is allowing a 7.5% rate increase effective 6/1/2025 and then a second rate increase of 7.5% effective 6/1/2026 (so a total of 15% over a two year period).