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How to Save Money on Insurance by Combing Plans: An Interview with Carol Potter of Snotherly Insurance Agency

By Carol Potter

Tell us a little bit about your company and its foundation.

The Snotherly Insurance Agency is a family-owned agency that has been in the Triangle for 46 years. We have six licensed agents on staff to provide outstanding customer service, including two Spanish-speaking agents. We also have two locations. We pride ourselves on one-on-one customer service, and will work with you to identify and assess your insurance needs, explain the options available, and help you choose a policy that provides superior protection.

How easy is it to combine these separate policies?

Very easy; our agency facilitates the combination of both policies and we always communicate between both the lenders and DMV on customer's behalf making the process as easy as possible for our customers.

In general, what should a homeowner have insured?

A homeowner should insure the major items covered besides the dwelling itself, this includes your personal contents and personal liability. We also discuss with our customers ways to customize the policy to their needs, this also includes having a conversation about what is NOT covered such as the exclusions or limitations.

What are some factors that influence the rate on my home insurance policy?

Cost to rebuild the home, age of home, location of home (inside or outside city limits, which fire department responds and time to respond, and which water source is available), construction of home, previous claims, insurance score, applicable discounts etc.

What are some common claim concerns that may arise with my policy?

Understanding of the claims process, ie. timing, communication with adjuster, and understanding normal exclusions such as wear and tear maintenance issues, flood etc.

What is the best way for people to get in contact with you or your company?

Call, 919-832-5832, email, or visit our website @

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