Products and Services

Specialties: Real estate, business startups and small businesses, Personal Insurance Needs (Home, Auto, Life), as well as Health Insurance.


Individual and family needs change over time and we will make sure that your insurance coverage adapts to meet those needs. New House? New Car? We’ll help you choose the right coverage. Accident? DUI? We’ll keep you covered and... Save you money!


Home Insurance, Renters Insurance, and Flood Insurance- Your home and possessions are your most valuable assets and we take protecting that asset very seriously. S J Adams offers replacement cost policies on free standing homes, town houses and condominiums, renter’s /tenant insurance, as well as rental and investment properties.



Auto Insurance- S J Adams offers a broad range of coverage for your car, truck, suv or van. We offer competitive rates whether you have a perfect driving record, a DUI, or are a young driver. We also have coverage for specialty items such as: RV’s (Recreational Vehicles), motorcycles, jet skis, and boats. Check out North Carolina DMV (http://www.ncdot.org/dmv/) Requirements.


Flood Insurance- Do you live on a flood plain? Does it rain a lot where you live? Then make sure you get Flood Insurance. This insurance helps you live a worried free life.





Business Insurance- If you already have the plans in place to cover your family, what about covering your business? Do you want your son/daughter to carry on the business in the future? Will you have enough money to buy out your partner should he or /she die? Have you thought about the estate tax implications?

S J Adams offers solutions for these issues and funding options for your Buy-Sell agreements, Key-man, or Estate tax concerns.


Life and Disability Insurance- Your family and friends may offer you emotional support that you need. However the light bill, rent or /mortgage will still be due. Do you want your family to drastically reduce their standard of living upon your passing?
Will your husband or /wife or /children have the financial resources they need to live comfortably, pay for education and to retire? We offer a broad range of products to meet your specific needs: whether it is whole, term, or adjustable premium life insurance.


Umbrella Insurance- Umbrellas aren't just for rainy days. Adding an umbrella policy to your insurance plan is a great way to provide comprehensive coverage "just in case." These affordable policies provide enhanced coverage.