Kay's Agency LLC
1516 Hospital Ave, Franklin, LA 70538
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Franklin households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1516 Hospital Ave, Franklin, LA 70538
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Franklin residents.
Franklin homeowners pay $2,890/year for home insurance. Learn about tornado coverage, wind deductibles, and protecting historic and luxury homes.
As of July 1, 2025, North Carolina requires minimum liability coverage of 50/100/50—$50,000 per person for bodily injury, $100,000 per accident, and $50,000 for property damage. This replaces the old 30/60/25 limits. You're also required to carry uninsured and underinsured motorist coverage, which is now automatically included in new or renewed policies.
Yes, you should seriously consider it. About 43% of North Carolina's flood claims come from properties outside the FEMA 100-year flood plain. Mountain terrain creates unpredictable water flow patterns during heavy rain, and flash floods can occur anywhere. Properties in lower-risk zones qualify for lower-cost coverage—often just a few hundred dollars annually—which is minimal compared to potential flood damage costs.
Homeowners in Macon County currently pay around $93.25 per month (approximately $1,119 annually) for a standard HO-3 policy. Your actual rate depends on factors like your home's age, construction type, distance to fire services, and elevation. Mountain properties may face higher replacement costs due to access challenges, so make sure your coverage limits reflect true rebuilding expenses.
Wildlife damage is covered under comprehensive coverage, which is optional in North Carolina. Given Franklin's mountain location where deer collisions and bear encounters with vehicles are common, comprehensive coverage is highly recommended. It also covers hail damage from mountain storms and theft—making it essential protection for the area's unique risks.
Absolutely. Homeowners in Macon County who bundle their home and auto insurance can save over $500 annually through multi-policy discounts. Local providers like State Farm, NC Farm Bureau, and independent agencies all offer bundling options. This is one of the easiest ways to reduce your insurance costs while maintaining full coverage.
Mountain homes face unique risks including wildfire danger, wind damage from storms, limited access for emergency services, wildlife damage, and flash flooding outside traditional flood zones. You'll need adequate coverage for higher replacement costs due to remote access, and you should consider separate flood insurance even if you're not in a high-risk flood zone. Working with a local Franklin agent who understands these specific mountain risks is crucial.
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