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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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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.

Is a Better Home Insurance Policy Worth It?

Most people don’t go around discussing home insurance at the dinner table or when they’re out at a bar. It’s just not a popular topic of conversation, and that’s probably because it means thinking about the terrible things that may befall the property you’ve worked so hard to buy and maintain. However, the less you think about it, the more likely it is that you’ll end up shocked after you find out that certain costs or expenses will be entirely on your own. Young Insurance can give you more information on how it works for those in Raleigh, NC.

Do You Know?

If a thief breaks into your house and steals the birthday gifts your sister asked you to keep her in your spare bedroom, do you know if that’s covered or not? If your brand-new granite countertops are destroyed by a random act of vandalism, do you know if that will be covered? If the UPS delivery person trips on a stick in your yard and then sues for chronic back pain, do you know if you’ll get financial help with the litigation? These are good questions, and often ones that homeowners aren’t sure about or don’t even want to contemplate. Whether you have a lot or a little in your home, you may have worth more protecting than you know.

Young Insurance 

When it comes to what’s covered and what isn’t, it’s worth asking the agent directly for the answer. Young Insurance has people who can walk you through it. This way, you won’t have to study every possible combination of events. If you live in Raleigh, NC, then call our agents today for more information on we can help you determine the best possible policy for your home.

Is Your Auto Insurance Policy Right For You?

Your auto insurance policy makes a great deal of difference in how well you are covered and how easily you can recover from an accident. For those in the Raleigh, NC area, your coverage needs may be different than someone that lives in another part of the country and you should take the time to make sure you have the right coverage.

Insurance policies are different across the board and making sure you have enough coverage and the right coverage is important. Full coverage, liability coverage, and other forms of coverage can work to protect your car and your belongings in the event of an accident. There are a few different ways to make sure you have the right coverage. The first is to consider if you have a loan on the car or not. Those that do have a loan out against the automobile need to have full coverage to help cover the loan if there is an accident.

Those that own the car outright do not need full coverage and can instead opt for liability coverage that just covers hospital costs and the deductible of the other driver. You may also need insurance that helps pay for theft, damage, and other issues that may arise regarding your car. Agents can help you decide what coverage and what type of insurance is going to work best for you and what coverage you need.

Insurance coverage differs from state to state and you may not need the same coverage in Raleigh, NC as you might need in another part of the country. Taking the time to find out what coverage you need can help save time, effort, money and frustration and make dealing with an accident a little bit easier in the long run.

How Home Insurance Steps In When No One Else Can

When you have a bad day in Raleigh, NC, hopefully you have friends or family to turn to for emotional support. This type of camaraderie is important for all of us to get through difficult times. However, the situation becomes different when you need to ask for major financial support as well. Home insurance is often the answer when it comes to keeping your sanity and your dignity. Young Insurance wants you to know how it can step in to save the day. 

Keeping Everyone Comfortable 

Home insurance can’t save you from the devastating feelings you’ll inevitably have when something happens to your home. It is an emotional attachment you have to your home, often it’s the place you associate with your children growing up or the investment that it took you so long to be able to afford. What insurance can do though is make sure you have a place to go in even the most dire circumstances. It means that you won’t have to ask someone to make room for you, or possibly help you with the repairs that it will take to get you back into the house. This type of comfort can truly be priceless, especially when you feel like you’ve lost something you weren’t ready to lose. 

Young Insurance Is There for You

The people of Raleigh, NC can look to our agency when circumstances are at their worst. Having someone you trust to call can provide a port in the storm where you least expect it. When you choose an agency like Young Insurance, you have the benefit of experienced agents in a smaller setting. This means less time on the phone, and more time getting things done. Call us today for more information!

 

How to Prep Your Home For the Fall Weather

With the fall season officially hear, now is the time to prep your home for fall weather. It may still feel a bit like summer outside, but soon you’ll feel the bite of cold as days grow shorter. Young Insurance wants to help you save money on your housing costs, which is why we have these handful of tips on how to prep your Raleigh, North Carolina home.

HVAC Inspection

Have your entire AC and heating system inspected. The pros can clean out the vents, correct any issues and make sure it is running properly. This not only improves how quick heat fills your home but it reduces energy loss in the process, saving you money throughout the rest of the year. 

Look For Cracks

Investigate around the foundation of your home and the frames around your windows and doors. Fill any cracks you find. This will reduce more energy loss while helping you avoid those annoying drafts inside the house. All of this makes for an excellent fall and winter. 

Clean out the Gutters

This is something you’ll need to monitor. Make sure to clean out the gutters in your home prior to leaves falling and after most of the leaves have fallen. This helps you get out the sludge built up in gutters over the year. You may want to consider installing protectors over your gutters to help prevent debris from clogging the gutter up, which becomes a potentially devastating issue to your home as water can seep back up into the roofing material.

Fall Prep is Winter Prep

In reality, the prep you perform in the fall is really preparing your home for the winter months. Everything is designed to improve energy efficiency while keeping your home warm throughout the upcoming season. 

Buying Commercial Insurance for Your Business in Raleigh, NC

Owning a small business is exciting. As a business owner, you are the boss and are passionate about your company. However, in case of accident or other unforeseen occurrences, it is important to buy commercial insurance for your business. Young Insurance recommends talking with an experienced commercial insurance agent before you invest in your business. Buying insurance should be part of your business plan before you open your doors. Commercial insurance will protect you, your employees and your customers in the case of injury or mishap.

What Kind of Commercial Insurance is Needed

It is impossible for an agent to tell you what kind of commercial insurance you need without understanding the scope of your business. An insurance agent needs to take into consideration the size of the business, industry, inventory cost and many other details before quoting. When meeting with your agent, come prepared to discuss these issues by bringing the numbers with you. Your agent can offer you a list or worksheet to let you know what should be included.

Coverage Changes from State to State

Since coverage differs from state to state, you will likely need policies in each state you have a branch of your business. Multi-location businesses need to check the laws in their states to see what requirements each state has. If your business is in North Carolina, you will need to ask your agent what requirements you need to follow and what additional insurance is recommended for your business. Another consideration is accounting for growth and loss within a business and how that will affect your insurance coverage. Your agent will be able to offer you various options in order to fit your budget and any other needs you have.

 

Why is RV Insurance Important

What is RV Insurance?

In order to understand RV insurance, you need to know what is is and why it’s important. RV insurance is in place to protect you against financial liability toward any bodily injury or property damage that may be caused if you are in an accident while you, or another driver is behind the wheel of your RV. As a resident of North Carolina, a minimum of liability insurance is required, by law for owners of recreational vehicles.

Why is RV Insurance Important?

Besides being a requirement by law, having protection in place for yourself or anyone that may be using your vehicle is a smart move. For instance, if you live in your RV, having full-timers insurance will be necessary. This is a similar to homeowners insurance, which may protect you in the case of any damage, natural disaster, theft and other unexpected circumstances that happen to your RV. In most cases, for motor home purchasers, the lender will require that RV insurance is purchased at point of sale before they will approve you.

What kind of RV Insurance do I need?

There are a number of types of RV’s, but the biggest variation in coverage is dependent on whether you own a camper, which is also called a travel trailer or a motor home. RV’s are classified into three groups: Class A, Class B and Class C and the type of insurance that will be required is determined based on the amount of use that is put into the RV and if you live in the motor home full-time. A motor home is considered one if there are living quarters permanently attached, the vehicle has permanent cooking and refrigeration appliances, heating and air conditioning, plumbing for a bathroom, a drinkable water supply system and has a 110-125 volt electrical system in place. A travel trailer, which is non-motorized and most often used for camping, would be considered such if there is a permanently attached cooking system and sufficient area for sleeping within the vehicle.

 

 

 

Motorcycle Storage: How to Store Your Belongings, Purchases, and Travel Necessities Safely, Conveniently, and Compactly

Whether you’re going on a short or long motorcycle trip, the storage and transporting of your personal items is often practical and necessary. To make this experience easier, you can begin by assessing the distance of travel and your motorcycle storage area. This space includes the available storage already installed, such as the under-seat space, and the optional room for additional storage attachments. Once you have this information, you can begin building specifications for the style, size, and material of a storage container.

When it comes to the items you tote, identify what volume, type, and size of items you will be transporting, as well as, the purpose, so you can determine the measurements of the container to purchase. For the style of container you want, include shape, color, and insulated or non-insulated interior lining. Decide if you want a hard case, soft case, canvas, or waterproof shell, depending upon your type of carting needs. Overall, an airtight and waterproof container can bare the elements of weather whether it’s hot and humid or rainy and windy. With your feature identification list, you’re now ready to shop for your container online or visit an automotive and motorcycle store.

What do you usually want to carry with you when traveling on a motorcycle both short and long distances? It may be food, a laptop, cell phone, overnight bags with clothing along with toiletries, an emergency repair and medical kit, or a collection of personal items or purchases. Once you determine what items you’re toting, you can even narrow down your shopping list more in order to locate a unit with the most storage flexibility to accommodate your items.

The selection of motorcycle transporting containers on the market includes totes that range from soft back packs to hard-shelled and bike back-mounted upright cases. Keep in mind that the heavier and larger the storage unit, the more weight your motorcycle will tote, which, in turn, expands more gas and can make it more difficult to balance and maneuver the bike. When traveling, a consideration should be the storage amount and weight, as well as, your capacity to handle it in addition to the motorcycle’s ability to carry the load.

Different motorcycle makes and models provide various kinds of installed storage space and optional tote attachment area. Speed motorcycles normally provide less installed space, whereas, cruising motorcycles supply more toting room from roomy under-seat area to back bike attachment space for traveling containers.

Whether you’re looking to store a few traveling items, such as a wallet, flashlight, and phone for a short trip, or an overnight bag complete with a change of clothing, shoes, and wash essentials for a longer ride, knowing your storage options can make your travel more safe, convenient, and toting more compact. Understanding this storage information helps to transport and protect your personal items. Motorcycle insurance protects your personal interests in the event of a riding mishap or theft. With Young Insurance Associates, serving Raleigh, North Carolina, you can get insurance coverage to safeguard against insured motorcycle traveling risks. Young Insurance Associates is just a short ride away from keeping your personal and motorcycle interests secure.

 

 

5 Boating Safety Tips for a Super Summer

Getting out in the water during the summer can be exciting, but there are dangers that come with summer boating. Make sure you enjoy boating safely when you’re out with family and friends this summer by following these essential boating safety tips.

Tip #1 – Take a Look at the Weather

Before you head out on the water, make sure you take a look at the weather. If there’s a storm coming, you may want to postpone your boating trip. If you’re out boating and you start seeing the signs of an upcoming storm, it’s a good idea to head to land. If you can’t get to land, get into the middle of the boat or go below if that’s an option.

Tip #2 – Ensure You Have Proper Safety Equipment

All recommended safety equipment, such as life jackets should be on your boat. Check for the essential safety equipment before each time you go out in the boat.

Tip #3 – Don’t Drink While Operating a Boat

Since alcohol can impair your ability to act and think efficiently and quickly, you need to avoid drinking when you are operating a boat. You need to be able to deal with any situation out on the water, so keep yourself and others safe by abstaining while you’re boating.

Tip #4 – Look Out for Swimmers

Keep your eye out for any swimmers. Many people go swimming in the summer, so you want to avoid accidentally hitting someone. Make sure you stay a safe distance away from swimmers.

Tip #5 – Make Sure Everyone Wears a Lifejacket

Even strong swimmers need to have a life jacket on. Many boating fatality victims could have been saved with a lifejacket. Even if it’s hot, make sure everyone has a lifejacket on while boating.

Before you head out in your boat in Raleigh, NC, make sure you have good boat insurance in place. Learn more about your options by contacting Young Insurance today.

Save money while moving

If you are looking at moving, chances are you are also looking at moving costs. Outside of your employer covering moving expenses, transporting all of your belongings is a pricey ordeal. That is why it is important to do everything in your power to save money during the moving process. At Young Insurance, we know whether you’re moving to Raleigh, NC, leaving the city or are simply in the area, you want to save money and we aim to assist you doing so. 

Streamline What You Don’t Need

This is the perfect time for you to streamline what you do and do not use. After all, why should you pay money for boxes, moving services and spend time moving what you just never use. First, hold a yard sale. That is a good way to cut some of your items. Then, try to post items on services like eBay and Craigslist, offer up items to Goodwill and donate to local charities. This helps rid your home of costly items and it helps lighten your load. 

Why Pay for Boxes

Speaking of boxes, why should you pay money for hunks of cardboard when you can pick it up for free? You just need to know where to turn. Stop by local liquor stores and ask for boxes they no longer need. These are extremely strong and there is always a large number of boxes available, so you’ll likely never need to buy boxes ever again. 

Use Movers Just For Large Items

Don’t just rent out a moving crew for the entire time you load up the truck. Pay for an hour or two so they can move in the heavy material. From there, do the rest of the loading yourself (or ask for help from friends).