Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Hamby Fotheringham Agency focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Hamby Fotheringham Agency to fit any driver's needs in Lenoir.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Hamby Fotheringham Agency understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Hamby Fotheringham Agency about other discounts you might qualify for, give our offices a call at (828) 728-0002. We are also able to make appointments for face to face consultations at our office located at 1308 Hickory Blvd SW. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Hamby Fotheringham Agency is a leading Nationwide Insurance agent who specializes in home insurance. These policies protect your home in the event of many natural and man-made disasters, and provide required coverage prior to purchasing a property in many cases. Here at Hamby Fotheringham Agency, we understand the unique needs of homeowners, and we will do everything in our power to find the right type of policy for you and your home. When you work with a Nationwide agent, you will be working with one of the very best.
In addition, Nationwide's umbrella policies provide a full range of coverage in the event of a disaster. These policies provide extensive bodily injury, personal injury, and property damage coverage for you and other individuals. If a visitor sustains an injury or damages property on your premises, an umbrella or liability policy can protect you from lawsuits.
If you are in the market for a new home insurance policy or personal liability protection, Hamby Fotheringham Agency in Lenoir can provide you with the guidance you need to find a policy. We are located at 1308 Hickory Blvd SW, and we take pride in providing insurance services to the local area. Call us now at (828) 728-0002 to learn how you can secure your greatest investment – your home
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Hamby Fotheringham Agency are here to help people like you in the Lenoir area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (828) 728-0002 and ask for Hamby Fotheringham Agency. We are located at 1308 Hickory Blvd SW,Lenoir,NC,28645 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
Whether you have already opened a small business or are considering doing so, business insurance is probably at the front of your mind. Having the proper types of insurance and the right amount of coverage is essential in order to protect yourself, your employees, your customers or clients, and your assets. Deciding what you need does not have to be overwhelming.
Hamby Fotheringham Agency at Hamby Fotheringham Agency works together with Nationwide to help people determine which type of insurance coverage will best fit their needs. We sit with you to discuss basic policies such as general liability and property damage insurance, as well as educate you on more in-depth policies such as professional liability coverage, employment practices liability coverage, and umbrella policies. We discuss the type of business you operate, how much you spend per year, how much profit you make, and how many people you employ. We also let you know if there are any vital local, state, or federal laws that require you to carry special policies.
Once you have decided what you need, we come up with a coverage quote that best meets your needs and budget. We even meet with you once per year to discuss any changes in your business and determine if your policy is still meeting your needs. Hamby Fotheringham Agency and Hamby Fotheringham Agency is proud to work in conjunction with Nationwide. Schedule a consultation by calling (828) 728-0002 or stopping into our offices on 1308 Hickory Blvd SW.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Hamby Fotheringham Agency also offers products in NC, SC. Please call for information on products in those states.
Nationwide mobile app
- Pay your bill
- View insurance cards without logging in
- View your policies
- Start an auto claim