The Watchmen Name
In ancient times, the livelihood and survival of people, villages, and towns depended on watchmen—those who watched over crops and food stores for thieves and wild animals. Like these watchmen across history, we take a modern approach to watching over others through insurance, where we can serve and protect the most important things in life. And when you join the Watchmen family, you can always count on us to be watching out for your best interests.
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As your trusted watchmen, helping you save money and getting you the coverage you truly need is what we do best. As an independent insurance agency and Dave Ramsey ELP (Endorsed Local Provider), we are dedicated to putting you first and doing everything we can to ensure your peace of mind and protection.
Locally owned and operated agency in Raleigh, NC, we are driven to lead you in the right direction throughout the insurance process and will be there to guide you from day one. Contact Watchmen Insurance Group for service, coverage, and value you can count on.
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What We Do
What We Do
As your trusted watchmen, helping you save money and getting you the coverage you truly need is what we do best. As an independent insurance agency and Dave Ramsey ELP (Endorsed Local Provider), we are dedicated to putting you first and doing everything we can to ensure your peace of mind and protection.
Locally owned and operated agency in Raleigh, NC, we are driven to lead you in the right direction throughout the insurance process and will be there to guide you from day one. Contact Watchmen Insurance Group for service, coverage, and value you can count on.
Contact Us
Dave Ramsey ELP
Billy Gooch, Owner/Agent of Watchmen Insurance Group, is proud to be an Endorsed Local Provider for personal insurance and business insurance in North Carolina.
Becoming an ELP is no easy task and involves a rigorous application process, interviews, and continuing education.
In order to maintain the ELP designation, an agent must maintain high customer service scores on an ongoing basis.
Dave Ramsey ELP
Our 4-C Promise to You
As a trusted Endorsed Local Provider for insurance, we carry a great responsibility in serving you with our agency’s 4-C Promise.
Counsel
We focus on guiding you throughout the entire insurance process, from finding the right coverage to assisting you with dedicated claims services.
Clarity
We help you understand your insurance—how it works, why you need it, and how you can save money by not wasting it on things you don’t actually need.
Compass
We lead you in the right direction when it comes to saving you money and acquiring you better coverage so you can make an informed decision.
Comfort
We bring you the ultimate peace of mind so you can enjoy your lifestyle and grow your business knowing that what matters most will be protected.
The Trusted Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Watchmen Insurance Group does best.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
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Real clients. Real reviews. Real coverage.
”Originally learned of Watchmen Insurance Group from Dave Ramsey. Highly recommend this company to anyone who is looking to save some money and have agents in your corner no matter what you need at any time.
Victor Vargas
”It's always nice to know that when you pick up the phone to speak with your insurance agent you'll speak with an actual person.
Courtney Venable
”It is nice to know there is someone so knowledgeable to do the legwork, find great discounts, and watch out for me.
Jan Dellinger
”Billy Gooch and his team not only took the time to explain what insurance coverage I needed and why, and they explained where I didn't need to invest my insurance dollars.
Mike Padgett
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
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Raleigh, NC
3712 Benson Drive, Suite 201
Raleigh, NC 27609
Licensed in North Carolina, South Carolina, and Virginia, we serve clients throughout Raleigh, NC, Charlotte, NC, Greensboro, NC, Wilmington, NC, Charleston, SC, and Richmond, VA.
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