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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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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). 

Basic Guide to Using an ATV in Raleigh, NC

If you’re interested in enjoying the great outdoors of America, you should consider purchasing an all-terrain vehicle. Unfortunately, ATV vehicles can be a handful if you don’t have any experience using this vehicle. Here are a few tips you should consider if you’ve never used an ATV before. 

Start Small

As a first time rider, you should look for a simple ATV rather than a machine that is incredibly powerful and enhanced with many features. You want a machine that you will not have any trouble controlling. The last thing you want is for your ATV to completely overpower you.   Instead, you should aim to purchase an ATV with an engine of around 300cc and an automatic transmission. 

Wear Safety Gear

In order to remain safe, you need to wear protective gear, such as a motorcycle goggles, motorcycle helmet, over-the-ankle boots, a jacket, a long-sleeved shirt, and long pants. During your first few rides, you should consider wearing wrist guards, knee guards, elbow guards, shin pads, and a chest protector for maximum protection. In order to protect your ATV, think about purchasing insurance before you ride for the first time.

Keep Your ATV Safe

Speaking of purchasing insurance for your ATV, there are quite a few things you can do to keep your ATV safe. Theft is without a doubt the main threat to your ATV. When you store your ATV, you need to keep it out of plain sight. If possible, park your ATV in the garage. You should use a metal chain if you absolutely must keep your ATV outside.

Consider purchasing an insurance policy from Young Insurance, a company that serves the Raleigh, NC area, to ensure you will receive compensation in the event that your ATV is stolen or damaged through no fault of your own.

Keep the Kids Busy: Ways to Give Back to the Community

Children often complain that they are bored, or that they have nothing to do. There are several ways to remedy their angst and do something helpful for those in need in their community. They may even like these ideas and decide to do them on a regular basis.

Donate to Goodwill

Children grow out of old clothes and toys so quickly. Have them go through items they no longer care for or use, and then bring them to Goodwill. This will keep the kids busy rummaging through their belongings and also help other kids who cannot afford new things. They may also learn a valuable lesson about how fortunate they are.

Donate to a Food Bank

Again, this provides them with an outlet to engross themselves, forget about their boredom, and provide a helping hand. We always manage to purchase more than we can consume. Non-perishable items, such as canned soup or dry items, such as rice, tend to last a very long time, so instead of letting them expire in a pantry, gather the kids for a few hours and donate it to a food bank.

Do Something Helpful for the Community After A Natural Disaster

Every so often, the eastern seaboard is hit by a hurricane or other large storm. Having your kids help with the cleanup is a fantastic way to give back to the community. There are several organizations that welcome volunteers and donations to help following a disaster, such as The Red Cross, Salvation Army, and Citizens Corps. In addition, local insurance companies, such as Young Insurance Associates, Inc. of Raleigh, NC, are actively involved in teaming up with organizations that are involved with restoring the area. It is also advisable to make sure you are insured by someone in your community if you require assistance.