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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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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!

 

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.