Aimee Conley - American Harbor Insurance

02/25/2025

Who wants to be my neighbor? I’ll even insure it for you!!!!

10/09/2024

We are all in a flood zone!

If you are located in a AE or VE flood zone, those are considered a high risk flood zone and if you have a mortgage, your bank will require you to have flood coverage.

If you are in an X Flood zone, that is considered a low risk flood zone and coverage is not required by your lender.

However, given the increased intensity of storms and new property developments, drainage issues are becoming a problem. The "no name" storm that came through on September 16th left hundreds of homes flooded with no flood insurance.

The quote I have posted is with a private flood carrier for a 2,500 square foot single family home in Carolina Beach in an X Flood Zone. These are 3 different levels of coverage with an annual premium as little as $500 a year. This carrier also allows annual, semi-annual or quarterly payments.

Please call 910-392-0880 X408 or email [email protected] for a flood quote on your home. Private carriers will have a 7-10 day waiting period but then you will be covered for the rest of this hurricane season and next season as well.

09/29/2024

f you’re looking for a way to help Western NC, please read below. So much devastation and so many in need. Every little bit helps.

08/05/2024

We are keeping an eye on Debby as she makes landfall in Florida. She is predicted to be slow-moving so we expect a lot of rainfall in our area. We have already had carriers issue moratoriums for NC meaning we cannot bind new policies or make any changes to current policies. Those will not be lifted until Debby is no longer a threat to our area, could be a week.

06/11/2024

Interesting read regarding flooding in Carolina Beach specifically on Canal Drive. Credit to the members of the Carolina Locals page for sharing the Washington Post article. This link below, will allow you to read it for free:

The Post installed cameras to capture how sea level rise worsens high-tide flooding in this N.C. town.

05/07/2024

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03/23/2024

It's a big day in our history today! American Harbor Insurance Co opened it's doors on March 23rd, 2004 so we are 20 years old today. We want to thank each of you for the part you have played in growing this independent agency to where we are today. We look forward to working with you for many years to come.

Sincerely,
Paul, JD, Aimee, EllieGraham, Catherine, Nancy, Patricia, Karen, and John

02/16/2024

🎉 Planning a Special Event? Protect Yourself with Special Event Insurance! 🎉

🛡️ What Is Special Event Insurance? 🛡️

Special Event Insurance is like a safety net for your big day. Whether you’re hosting a wedding, a charity run, or a community fair, this insurance has your back. Here’s the lowdown:

Why You Need It: Accidents happen, right? Imagine someone tripping over a cable at your event or damage to the rented venue. Yikes! Special Event Insurance covers these mishaps, so you don’t end up in a legal tangle. 🙌

Liability Protection: If someone sues you (ouch!), this insurance steps in. It shields you from financial harm caused by lawsuits. So, whether it’s a slip-and-fall or property damage, you’re covered. 💪

Peace of Mind: No more sleepless nights worrying about unexpected costs. With special event insurance, you can focus on celebrating and making memories. 🎊

Remember, life’s too short for legal drama. Get special event insurance and party stress-free! 🎈

01/11/2024

After Tuesday's nasty storm, let's talk about what your home insurance actually covers.

Wind-driven rain; that's when strong winds force rain into your house through tiny cracks even if your roof or walls seem fine on the outside. It can mess things up good inside and create mold issues, so pay attention!

Most insurance companies cover wind-driven rain, but some don't. Some carriers will exclude this coverage within the policy. That's why you have to check your policy like a hawk! Look for "wind-driven rain" coverage in both your regular home insurance and your HO6 policy (if you have a condo or townhouse with both master and HO6 policies).

Do not wait until disaster strikes to figure this out! Grab your policy, some sweet tea, and give it a good read. If you can't find "Wind-driven Rain", call your insurance agent – they're there to help. Or call me and I'll be happy to review it with you!
Aimee Conley - American Harbor Insurance 910-392-0880 x 408

Remember, being prepared saves heartache (and money) down the line. And following any storm, keep an eye out for any leaks or water damage, even if you think your roof is okay. Better safe than sorry!