Our employees live, work and play alongside you, and recognize each industry, community and individual’s unique needs.
With its dedication and expertise, Dickey McCay Insurance has become a trusted and valued source for auto insurance, homeowners insurance, flood insurance, renters insurance, personal articles and marine inland insurance, business owners policies, cyber insurance, general liability insurance, workers compensation insurance, individual life insurance, individual and family health insurance, and group benefits such as group health insurance and group life insurance. When it comes down to it, insurance is all about protection, and at Dickey McCay we are here to serve you.
Our reach and expertise does not stop with our brick and mortar locations.
We provide insurance services to regional areas as an extension of our physical locations. Locally, Dickey McCay serves Murphy, North Carolina; Blue Ridge, Georgia, McCaysville, Georgia; Andrews, North Carolina; Blairsville, Georgia; Madisonville, Tennessee; and Sweetwater, Tennessee. We are in the people business, so if you have a need, Dickey McCay Insurance will find the right insurance carrier and product solution. Whether you need to insure your car with auto insurance, home with homeowners insurance, a loved one with personal insurance or a general contracting business, Dickey McCay Insurance Agency has the right insurance solution you.
Services Dickey McCay Insurance provides
Many benefits exist for people who insure their homes, automobiles, businesses, and their family and/or individual health.
To give you an overall idea of how the insurance that Dickey McCay offers will bring you, your business, and your family the peace of mind that comes with the preparation for a rainy day, below is a quick overview of each type of insurance we offer at both physical locations and to the surrounding areas where we will travel to serve you.
Auto, Home, & Personal Insurance
- $25,000 for bodily injury/$30,000 for North Carolina
- $50,000 for bodily injury when two or more people are hurt
- $15,000 for property damage in Tennessee/$25,000 in Georgia
Most auto insurance policies are for six months to a year, and Dickey McCay and the insurance companies we work with will notify you when it is time to renew your vehicle’s policy and to pay your insurance premium. When you pay your car insurance premium, the insurance company copacetically agrees to pay your losses as defined in your policy through Dickey McCay. Auto insurance through the 35 companies that work with Dickey McCay provide property, liability and medical coverage.
Homeowner’s insurance provides financial protection against disasters that can occur to you and your family’s home through one of our North Carolina, Tennessee, or Georgia locations. A standard policy provided through Dickey McCay insures the home itself and the furniture, memories, and the other articles you keep in your home that are important to you. Homeowners insurance is typically a package policy meaning that it covers both damage to your property and your legal responsibility for any injuries and/or property damage to you or others. Damage caused by most disasters is covered but there are exceptions such as damage caused by floods, so Dickey McCay will you help you fully protect your home with flood coverage.
Flood Insurance is also offered through Dickey McCay Insurance and offers many benefits in addition to your homeowner’s insurance. Even if living in the Copperhill or Tellico Plains, TN areas, North Georgia, or Murphy, NC areas where the risk of flooding in your home is relatively slim, your home is still at risk; according the the National Flood Insurance Program (NFIP) “more than 20 percent of the NFIP’s claims come from outside the mapped Special Flood Hazard Areas.”
Our flood insurance policies and the incredible companies we work will typically reimburse you for all covered building losses up to $250,000 for residential occupancies and up to $500,000 for businesses. Contents coverage is also available up to $100,000 for residential occupancies and up to $500,000 for businesses.
Renters Insurance comes into play after you have read the fine print in your lease for your rental space. Many renters assume that their landlord is responsible for damages caused by problems with the home or apartment such as a leaky roof or a broken appliance, but there could be a clause in your lease that negates your landlord’s liability. In fact, some landlords write into the lease a requirement that for the renter to acquire renters’ insurance, especially if you live in an expensive apartment or home. Regardless of whether or not it’s required, below are a few example of when renters’ insurance is extremely beneficials:
- Guest Injuries
- Natural Disasters
- Unnatural Fires of Short-Circuit Damage
- Damage You Caused Yourself
Personal Articles and Inland Marine Insurance: These types of policies offered through Dickey McCay cover personal items in the policyholder’s possession that are not covered by your typical homeowners insurance policy which only offers between $1,500 – $2,550 of coverage for your assets such as jewelry, guns, antiques, furs, sports equipment, musical instruments, and other valuable personal property.
Life, Health & Disability Insurance
Individual life insurance policies work so that you will pay premiums to one of Dickey McCay’s excellent insurance companies over time, and, in exchange, the company will pay a lump sum amount to a/the designated beneficiary/ies upon your death. The money from your life insurance policy can help your recipient to pay bills and assist in supporting your surviving family members’ living expenses.
We will also help you if you need to adjust the amount of your life insurance policy in the case of major life events such as buying a home, getting married, or having a child. Since there is no certain amount of life insurance you need, there are life variables that our agents in Tellico, TN, Copperhill, TN, Murphy, NC and North Georgia can help you consider when deciding how much money to invest in your life insurance policy; for example, if you have dependents you want to provide for or if you want to leave an inheritance to charities, you may need a bit more life insurance.
Individual and Family Health Insurance needs are different for everyone, which is why Dickey McCay offers a variety of options through our many different selections of reputable and experienced insurance carriers to make sure you have the coverage you need at an affordable cost. Since everyone is different with such different needs for his or her lifestyles whether it be due to his or health, income, family, etc., we will work with you to create a plan that works best for you and your family.