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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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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.

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!