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Young Insurance Associates, Inc.

2609 Atlantic Ave Suite 107
Raleigh, NC 27604

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15720 Brixham Hill Ave, Suite 300
Charlotte, NC 28277

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9 Ways to Prepare Your Boat for Winter Storage

Living in Raleigh, NC puts some of the most beautiful parts of the Atlantic Ocean right in your backyard. With summer coming to an end, boat owners need to plan a storage strategy for their watercraft. Proper boat storage prolongs the life of your investment, keeps it safe from damage and theft, and ensures that it’s ready when you need it. Use these tips to make sure your watercraft is wrapped up tight before the winter weather begins.

Clean Everything

  • Empty and sanitize coolers and cooking equipment. Dry thoroughly before wrapping in plastic.
  • Sweep and mop floors, ceilings, windows, and walls. Use a wet-dry vacuum to remove all traces of moisture.
  • Remove rugs, curtains, and other fabric accessories. Take them to the cleaners or run them through the washer. Wrap in plastic for storage.
  • Go through all cabinets and cubbies. Remove anything that could spoil, leak, or cause a fire hazard.

Mechanical Matters

  • Flush the cooling system with water to remove dirt. Drain all water from the engine.
  • Empty the fuel tanks to prevent damage-causing condensation.
  • Use an aerosol cleaner to remove gunk and corrosion from the fuel system and other engine parts.
  • Change the oil and top off other fluids.
  • If you can, remove the starting batteries. Store them in a dry, warm place. Cold weather drains battery power and makes them unreliable even after charging.

Don’t forget to call your insurance company. Most boat insurance policies allow you to suspend coverage when your boat is laid up for the winter.

Need to know more about boat insurance? Young Insurance Associates, Inc. serves the Raleigh, NC area with policies for all of your important possessions. Contact the agents at Young Insurance Associates, Inc. to learn more about protecting your motorized toys.

Boat Insurance and Boating Under the Influence

Young Insurance Associates, Inc. is familiar with the ins and outs of boat insurance. Boat owners must adhere to many laws in order to operate a boat in the United States, and boating under the influence (BUI) is illegal in all states and subject to certain sanctions, including steep fines and even possible jail time. Obviously, it isn’t wise to operate a boat after taking drugs or drinking alcohol, as you could put yourself and others at serious risk. But even if you’ve been cited for BUI, your boat insurance company may still provide protection.

If you receive a BUI, you are required to contact your boat insurance agency.

Alcohol: More Dangerous on Water than Land

The U.S. Coast Guard has warned that alcohol is even more dangerous on water than it is on land. Over half of all boating accidents can be attributed to boaters under the influence. Law enforcement may even set up BUI checkpoints just as they set up DUI checkpoints on the road.

An experienced Raleigh, NC insurance agency can help you navigate a BUI and what to do after receiving one, to minimize the consequences as much as possible.

Contact Young Insurance Associate, Inc: Your Raleigh, NC Insurance Agency

As proud members of the Independent Insurance Agents Association of North Carolina, we are proud to serve both North and South Carolina. We believe insurance is not “one size fits all,” and we develop relationships with our clients to meet all your needs. Contact us if you need boating insurance in Raleigh by calling (919) 322-4186 today.

THE BASICS OF UMBRELLA INSURANCE POLICY

Every insurance policy has a limit of claims depending on the package you pay for the policy and this where the umbrella insurance policy comes. It covers more than one property or asset with an extra layer of liability protection. You can use umbrella insurance policy together with other types of insurance policies like home or auto policies. Umbrella insurance policy will assist you when you reach your other insurance claim limit. It also covers you for claims that maybe excluded by other liability policies, claims such as; your rental units, slander and false arrest. For people living in Raleigh, NC you can visit or contact Young Insurance.

What does umbrella insurance policy cover?

Umbrella insurance policy will cover for liabilities that exceed or are not covered by your other policies and for more information about umbrella insurance policy you can visit Young Insurance in Raleigh NC for more information. Below are the things that umbrella insurance policy covers;

Bodily insurance liability-umbrella insurance policy will cover you on bodily damage costs. The cost of medical bills to the other party sustained due to auto accident when you are the one on the fault, or injuries sustained by a guest in your home maybe due to a fall.

Property damage liability-umbrella insurance policy will cover you for damages caused to other party’s property when you are at fault, like damages cause by your child at school.

Policy owner’s rental units-as a landlord umbrella insurance will cover you for liabilities that you may face in the rental units. For example, if pets of your tenants cause any bodily injuries to someone, you are held responsible for the damages. Or when a tenant is suing you for damages when they sustain injuries within the rental units maybe due cracks on the side walk.

 

Understanding the Claims Process When It Comes to Renters Insurance

Many people purchase renters insurance without knowing the exact parameters of their plan. Then, when it’s too late and they need to file a claim, they don’t understand how the claims process works.

This guide will outline the essential things you need to know about how renters insurance claims function:

• First, remember that you should always have a home inventory when it comes to renters insurance. Often, renters use a video camera to go through their entire rental property to have evidence of what they own. You can also take pictures and make a list.

• Your insurance adjuster will appreciate this video because it gives proper evidence that you own what you are filing a claim for, and it can also back up the value that you are claiming for your items.

• What if you don’t have a home inventory? You’ll need to make a list of the things that you’ve lost or that were damaged, and you need to attribute value to these things.

• You also should know about how claims are valued. There are two basic ways that insurance claims work: replacement cost or actual cash value. You want the former because it gives you the ability to be purchase your items at retail prices. If you take the actual cash value, you’ll get a depreciated price after you make your claim.

Contact Young Insurance to Learn More

If you are a Raleigh, NC resident and you are looking for a renters insurance plan or would like to learn more about what your plan covers and how claims are made, contact Young Insurance today. We are proud to serve the residents of Raleigh, NC and can help you find a plan that works for you. Give us a call or visit one of our offices at your earliest convenience to get in touch with an agent. We hope to hear from you soon!

Does Home Insurance Protect Me Against Storms?

Living in Raleigh, NC means dealing with storms from time to time. This could be a simple rainstorm or something more severe, such as a hurricane. It’s important that your home insurance protects you against storms, and at Young Insurance, can make sure that your policy includes all of the necessary protection.

Adding to Your Coverage

A basic home insurance policy is going to be the same regardless of where you get the coverage. It will provide protection against your dwelling as well as your belongings. However, it’s a good idea to add to the coverage so that you don’t fall prey to the fine print that says you aren’t covered against certain scenarios.

If there is a flood as a result of a rainstorm or you lose a significant amount of roofing because of her hurricane, you want to make sure that you have enough coverage to be able to file a claim.

Hurricane Protection

Many insurance policies don’t provide you with hurricane protection. You get storm protection, but hurricanes involve higher winds and therefore can cause more destruction. This might involve purchasing an additional rider so you have the protection against all storms that could hit your home.

The Different Insurance Companies

Not all insurance companies offer the same number of riders. This means you have to take the time to research what they offer so you get the coverage that you desire. Otherwise, you could inadvertently leave yourself vulnerable for when storms hit.

It’s overwhelming to look at home insurance, especially when you factor in all of the different insurance companies that provide coverage in Raleigh, NC. At Young Insurance, we’re here to help you find the right policy and get the quotes from the different insurance companies. Call us today to get the process started.

 

 

 

In Raleigh, NC, Does Commercial Insurance Company Cover Losses Such As Employee Theft?

The licensed agents at Young Insurance can help business owners in the Raleigh, NC area to determine what type of commercial insurance coverage they need and how much insurance they should include to sufficiently cover the needs of the business. Property damage, liability, and Worker’s Compensation are just a few types of insurance that most companies can benefit from. Retail business often must deal with various types of theft, but unfortunately, only burglary and robbery are covered by certain insurance policies.

Much like shoplifting, employee theft requires no force and does not damage business property. With proper precautions, many types of employee theft and shoplifting can be prevented. Insurance agents can often provide sound advice on how to increase security making it much more difficult for the employee or shoplifter to get away with the merchandise. Security cameras, plainclothes officers, and security alarms near the doors can all work together to help business owners reduce their financial losses that are caused by theft. The agents can help business owners uncover potential weak areas and reduce their vulnerability by implementing new security measures.

In Raleigh, NC, the agents at Young Insurance can answer questions, review existing insurance policies and help business owners update their current policy, so the business is sufficiently protected from many different types of financial or physical issues. Having the right insurance policy and the right amount of coverage is the key to protecting your business. Agents are available to discuss both personal and commercial insurance policies allowing the individual to get all of their insurance needs covered in one convenient location.

2 Reasons To Keep Your Full Coverage Even After Lein is Done

Full coverage insurance is required by lien holders to protect them in case anything happens to the vehicle. Full coverage in many cases, insures that the company who puts in a significant amount of money will not be at a loss if something happens to your car and you default on the loan agreement. In the state of north Carolina liability is required by law, and full coverage is required as part of most loan agreements. Many people choose to drop their full coverage after they fulfill their loan agreement to save a little on the difference of cost. It may seem like a way to pinch pennies but keeping full coverage, even when not required can end up saving you significantly.

  • The difference in cost is not significant, in fact the better your driving record the less the cost in general. It is not that much more to keep your car fully protected, so why not go above the minimum. 
  • When an accident does occur, the last thing you need to worry about is whether or not you are protected. If you have full coverage, chances are that you are indeed protected (check your terms when you purchase insurance). This means you can focus on healing your body and repairing your car, not the regret that you will also have to pay out of pocket for repairs. 

 In the end the cost of a new car is going to be significantly more than the cost of insurance. Contact us at Young Insurance to discuss your insurance needs to make sure that you are fully covered no matter the situation. We serve Raleigh, NC and the surrounding areas.  

Itemize Your Home Insurance Inventory for Full Protection

If your Raleigh, NC home is ever burglarized, which items do you think the criminals will target? More important, will your home insurance policy from Young Insurance actually replace those high end electronics and the latest accessories for your cell phone? If you only have a standard policy, the answer may be no. It comes as a rude awakening to many people when they file a claim after a loss of their property that their collectibles and fine art may only be valued at a fraction of their actual worth, because they did not itemize on their insurance policy.

Electronics Do Not Hold Real Value

The plasma big screen television you spent $5,000 on last year may only cost $2,000 this year, and your insurance may further depreciate its value when it is considered used. If you intend on always maintaining the latest in home entertainment, by itemizing and specifying full replacement value on your policy, you can ensure that you’ll be able to enjoy the very best in the electronics world even after the thieves run off with your media room.

Jewelry and Collectibles Must Be Documented

If you wish to be able to recover unique items after a home invasion, by itemizing them with pictures and serial numbers on your inventory, you enable law enforcement to return your property after a successful investigation. It also ensures that the real cost of these special gifts is not lost over time. Documentation for authenticity that is filed with your policy as well as in your home safe ensures you’ll be able to verify one of a kind items even after the home is damaged in a fire or storm.

If you wish to update your Raleigh, NC home insurance policy with Young Insurance, give them a call and make an appointment with your agent.

Responsible Driving in Raleigh: How to Choose an Auto Insurance Policy

Being responsible in Raleigh, NC isn’t just about getting to work on time or remembering that your child’s clarinet practice ends at 6 p.m. on Wednesdays. Being out on the road means taking the responsibility of a car seriously. It doesn’t mean you have to be nervous when you’re on the road or in fear that you’ll make a mistake, but it does mean that you need to pay careful attention to the details. That means keeping an eye on swerving drivers in front of you, and having the right insurance policy to protect you against a calamity should it occur. 

What a Driver Needs

Young Insurance understands what the people of Raleigh, NC need to do more than just remind themselves to put their phone down when they’re on the road. Drivers need safety nets to fall back on if they want to continue to live their lives the way they want. Just one accident can make it much more difficult to save, and it can force people to make decisions when they’re defenses are likely down. When you have the right auto insurance policy that covers you from weather, criminal and careless driver behavior alike, you always have someone to call when you’re in need. 

Finding Some Help 

Young Insurance can give you more information if you’re looking for a policy that’s right for you. We give you the opportunity to take care of any gaps in the coverage you have now. We can walk you through the different kinds of policies to find the one that’s really going to serve as a protector for you and your family in the coming months. For more information about rates or services, call us to see how we keep the drivers of Raleigh safe. 

Protecting Your Home for the Winter

Although winters in Raleigh, NC tend to be on the milder end of the spectrum, snow, ice, and freezing winds are not uncommon. In the past, disastrous storms have occurred in the area, leaving residents unprepared. Those who live in the Raleigh NC area need to take precautions to combat the unforeseeable weather in the winter months.

The impact of extreme weather can be hazardous, even immobilizing, so it is imperative to protect yourself, your loved ones, and your home. Before the winter season, be sure that all entryways are clear, eliminate leaves and debris from gutters, and seal all windows and doors. Don’t forget your car! Check the hoses, battery, and antifreeze levels. It is also a good idea to keep the gas tank full, to prevent condensation in the tank that could freeze due to the cold temperatures.

When a storm has settled, you must once again be sure to clear all entryways and sidewalks near your home to prevent injuries from slip-and-falls. At this point, look for any damage caused by the winter storm, photograph it, and then call your Young Insurance agent to report it. If necessary, make temporary repairs, but be sure to keep repair and materials receipts. Avoid any permanent repairs, however, until an agreement has been settled upon. Lastly, as downed power lines are common during storms, keep an eye out for them, and connect with your agent at once to report them.

Be sure to contact an agent at Young Insurance for a consultation regarding home and auto insurance specific to your needs. Coverage for damage caused by falling trees, power outages, and fires provoked by the more frequent use of fireplaces should be discussed. Young Insurance, serving the needs of those who live in Raleigh, NC, strives to provide customers with the most appropriate coverage for the area.