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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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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.

 

 

 

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.

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.