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Young Insurance Associates, Inc.

3824 Barrett Dr, Ste 101
Raleigh, NC 27609

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15720 Brixham Hill Ave, Suite 300
Charlotte, NC 28277

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How Much Condo Insurance Do You Need?

If you plan to lease or own a condo, you should begin the process of finding good condo insurance coverage. The master policy that the building carries only protects the structure, minus the walls and interior of the condo in most cases. Find out what the master policy covers and then begin the process of shopping for your condo policy.

Condo Insurance

If you are searching for adequate condo insurance, you must first know how much the condo is valued at, and then have a solid figure related to your belongings inside. You may, in some cases, opt for additional coverages if you have valuable items inside. Work closely with an insurance agent to help you determine how much coverage you need, as well as if there are any insurance additions or policies that would more completely protect you from losses. 

Quality Condo Insurance

You need to find condo insurance that is reliable and can be arranged to fit your needs. Your insurance agent can help you decide which options fit those needs and explain the terms and conditions to you so you are making an informed purchase. Those who live near Raleigh, NC, can depend on the agents at Young Insurance Associates Inc to help them make sense of the available options and find options that provide complete coverage. 

The key is to have enough coverage to avoid gaps and possible losses if there is a covered event. Call or stop by Young Insurance Associates, serving Raleigh, NC, today to find out more about how to calculate your condo insurance needs, as well as which policies work for you. 

How Much Renter’s Insurance Do I Need?

Renter’s insurance is very affordable and important to have. It doesn’t just cover your possessions, it protects you from liability as well. If you need renter’s insurance in Raleigh, NC, contact us at Young Insurance Associates Inc.

What are Your Valuables Worth?

Don’t just guess what the contents of your apartment are worth. Conduct a home inventory. You’ll make a list of everything valuable, and how much it would cost to replace it. If you have particularly valuable items like art or jewelry, you’ll need to check your policy’s individual coverage limits. Many policies have a specific limit on jewelry, electronics, and art. A home inventory is useful for selecting a coverage amount and in case you ever need to make a claim. Be sure that your coverage limits equal or exceed the cost of your possessions. 

Liability Coverage

Renter’s insurance also covers liability. If someone slips on your floor and breaks their leg, for example, you can be held legally liable for damages and medical expenses. Most policies have a separate limit for medical expenses and one for legal liability. If your home or living situation is riskier than most, you may want to choose a higher limit. Swimming pools, garages with power tools, and living on a steep slope are examples of situations where the risk of guest injury is higher. 

You should also consider what you can afford to pay in this situation (could you cover the medical bills and liability) and whether you would be at risk of losing valuable assets if you failed to pay. 

Displacement Coverage

If your residence is damaged in some way and you have to relocate temporarily, many policies will cover these living expenses. This is particularly important if you are on a tight budget and can’t afford a lengthy motel stay while your home is being repaired. Consider getting enough coverage for a few months of living expenses.

If you are renting in Raleigh, NC, Young Insurance Associates Inc can provide you with an insurance policy that fits your needs. We will be glad to talk to you about your situation and help you determine the right coverage limits. Contact us today for more information!


Crucial information about motorcycle insurance that all riders must know

Whether you drive your motorcycle around the Raleigh, NC area casually or take it across the country, it is essential to have a comprehensive insurance policy in place to protect yourself, third parties, and your motorcycle. If you are not sure if you have the necessary insurance in place, reach out to a specialist at Young Insurance Associates Inc today. 

When looking at insurance programs for your motorcycle, there are some crucial coverages that you must consider. 

Bodily Injury and Property Damage 

Bodily injury coverage will help cover the expenses you might owe in the event a third party is injured in a crash that you caused. The third-party can claim that you owe them for medical bills in addition to the loss of income if they are prevented from going to work. 

Property damage will cover the cost of the damage to the third party’s property. It is important to note that property damage coverage does not cover damage to your motorcycle.

Each state has minimum requirements for bodily injury and property damage; however, we at Young Insurance Associates Inc recommend considering additional coverage to make sure you are completely covered. 

In the event you are sued by a third party as a result of a crash, the minimum liability coverage will not be enough to cover what you owe. Not only could the third party sue for pain and suffering, but the legal fees could quickly add up. 

Uninsured drivers: There are many motorcyclists and cars on the road that do not carry adequate insurance limits. Underinsured coverage will help cover the cost of your medical bills and property damage in the event you are in an accident with a driver with no insurance. 

Collision coverage: Your motorcycle is a significant financial investment and should be protected as such. Collision coverage will pay to repair or replace the bike in the event you are in a crash. You must specify that you would need replacement coverage for the bike. 

If you are interested in learning more about motorcycle insurance, reach out to us at Young Insurance Associates Inc today. We proudly serve the Raleigh, NC area. 

How condo insurance protects you

When you own a condo you face many of the same risks as someone who owns a free-standing home. Your condo association takes care of the roof and exterior parts of your building but the interior is yours to insure. Condo insurance protects you from a variety of perils. Talking to one of the experienced agents at Young Insurance Associates Inc in Raleigh, NC can provide the answered that you require before making this important decision. You must understand what the master policy covers before you purchase a condo policy to make sure you have the correct coverage. 

Property damage

The condo association policy covers the exterior of the building and common areas which may include hallways and elevators. How much of the individual units they cover depends on their policy. You may only need to cover your personal items such as furniture, decor, electronics, clothes, and jewelry or you may be responsible for everything inside of the walls which can mean countertops, lighting. bathtubs etc. You need to know who will fix these items in case of a covered peril. Covered perils include fire, theft, and vandalism just to name a few. 


Liability is one of the most important forms of coverage. It protects you from the legal results of someone being hurt while in your condo. If you are sued and the case is litigated, it can cover not only judgment against you but the cost of the legal help you may need. 

Loss of use

If your condo is made uninhabitable by a covered peril. your insurance will help to pay for a place for you to stay until you can move back in. 

Young Insurance Associates Inc in Raleigh, NC would love to talk to you about the condo insurance that is right for you. Call or visit their office or website. 


Can You Claim Personal Possessions on a Commercial Policy?

Owning a business is a very rewarding thing and knowing what you can claim on your commercial policy is sure to make a big difference in the overall way that you file a claim. For those in the Raleigh, NC area, the agents with Young Insurance Associates Inc can help you to find the right commercial policy for your needs.

Commercial policies do cover a great deal but for the most part, you are not going to be able to claim personal possessions on a commercial policy. You can claim some personal items like those that are used in the business and that are in the building in terms of the contents but you cannot claim those items that are not on the premises or that are not used directly to run the business. A good example might be instruments or money that you have. These are not going to qualify as items that are part of a commercial policy.

When you do have a commercial policy you can cover things like the furniture in the building, the inventory, displays, and even computers that are used for the daily function of the business. You would not for instance be able to claim a personal item that you had at home that was damaged if it was not used for the business and not expressly listed on the policy. With any commercial policy, it is always going to be best to go through and name contents and each item so you can be sure you are getting a policy that is going to work for you and that is also going to be somewhat comprehensive.

For those in the Raleigh, NC area, the agents with Young Insurance Associates Inc can help you get  the policy that works best for you every time.  

Why boat insurance is a great investment for North Carolina owners

For those that live in and around Raleigh, NC, investing in a boat is a great option to consider. Due to the hot weather during the summer months, having a boat can be a great way to have fun and make some great memories. When you do have a boat in this area, it is important to consider your boat insurance options and why getting insurance is a great investment. 

Protects Your Asset

The first reason why getting boat insurance is a great investment is that it will protect her asset. While a boat is something that most people consider to be a recreational asset, it is still a very important item that you likely invested a lot of money in. Because of this, you should make sure that it is covered for a wide rightly of losses. The best way to do this is by getting a boat insurance policy.

Liability Coverage 

Whenever you get onto a boat and operate it, you are taking on some risk of liability. If someone happens to get injured, or you cause property damage, you could end up having to pay a sizable sum as restitution. When you get a boat insurance policy, you will get coverage for the situations, which could prove to be invaluable.

If you have a boat in the Raleigh, NC area, it is important that you get the boat insurance on it that you need. Since there are complexities that come with boat insurance, talking with a professional such as Young Insurance Associates Inc could be a great option. The team at Young Insurance Associates Inc will be able to review your personal situation to ensure you get into a policy that provides you with the right coverage. 

When to Change Your Homeowner’s Insurance Policy

Whether you own the property for a year or a decade, your homeowner’s insurance policy was never meant to stay the same. If you live in Raleigh, NC, it may be time to consider updating your policy so it can keep up with future claims. Young Insurance Associates Inc. would like to share just a few common reasons why you might want to change it. 

You Bought More Things 

A diamond ring, a new television, a valuable art piece: these are just a few things under your roof that could be lost, damaged, or stolen. If you first bought the home straight out of college when you had little more to lose than some Ikea furniture, it’s possible that your policy limits wouldn’t even come close to replacing the potential losses. 

You’re Using Your Home Differently 

Whether you’ve taken up a new hobby in Raleigh NC or you’re working more from home, your insurance company may need to know about it. If your business equipment was stolen after a break-in, it’s possible your homeowner’s insurance won’t cover the claim if the claims processor wasn’t aware of your home being used as a commercial space. 

You Want More Communication 

It’s not always easy to get in touch with your insurance company (or to get meaningful answers once you do get in touch with them). If you’re tired of the runaround, you should find a company who will form a real relationship with you. It’s the best way to avoid any surprises the next time you file a claim. 

If you want more information about your homeowner’s policy in Raleigh, NC, Young Insurance Associates Inc. can help. Our knowledgeable staff can walk you through any of your questions to see if it makes sense to keep your current coverage. 


Summer car maintenance checklist: Help your vehicle beat the heat

Dehydration, heat stroke, serious sunburns — we are all accustomed to the dangers of hot weather presents for our bodies. However, how often do you stop and think about how soaring temperatures impact your automobile? Before the mercury rises this year, use these tips and tricks to stay on top of the weather and other summertime issues. Every preventative measure taken will help keep your car running smoothly on the road and help you avoid major breakdowns and potential accidents due to lack of maintenance.

Check your tire inflation

Car tire inflation rises and falls with temperature. In the winter, cold air can lead to underinflation. If you added a few pounds of air to your tires in the last cold snap, it may be time to bleed some air off before the next heat wave. This is important because overinflated tires will wear out more quickly and, potentially, increase your likelihood of facing a hazardous driving situation due to a failing tire.  Use an air gauge to measure inflation. If it’s above the recommended PSI printed on your tire — generally 32 to 35 PSI for a passenger car — let some air out and measure again.

Check your oil between oil changes

If you already get your oil changed at prescribed intervals, congratulations are in order. You are investing in the long-term health of your vehicle. Consider taking it one step further during the summer months by checking your oil in between changes. If your engine is older or not running optimally, it’s working even harder in the hot weather to stay cool and power your AC. If your oil dips too low, serious engine problems and roadside breakdowns can follow. Regular peeks at the oil level also allow you to check for signs of debris or discoloration on the dipstick. Dirty oil can indicate a mechanical problem you need to get checked as soon as possible. 

Keep other fluids up-to-date

Summer brings changes beyond temperatures. Increased bird activity and an abundance of insects can lead to windshield spatter of varying types. Keep your windshield wiper fluid topped off so you can clean up in a pinch. Coolant also works double-time in the hot weather, so check your antifreeze’s quality to determine if a change is needed. Overheating your car can lead to a loss of power — a dangerous situation on a busy highway.

Stay safe on the highway this summer using the above safety tips, and visit Young Insurance Associates Inc online or in person in Raleigh, NC to discuss your automobile insurance needs and receive a quote for a new policy before hitting the road this summer.


Why Do I Need Umbrella Insurance?

You’ve worked hard for everything that you have and you want to be able to protect it. Having umbrella coverage can do that. When you start your search for umbrella insurance coverage, look no further than right in your own backyard in Raleigh, NC. The Young Insurance Associates Inc agents are there to help you with what you need.

Umbrella insurance is liability coverage that starts where your homeowners, watercraft, or auto insurance ends. For example, if your maximum liability coverage is $100,000, but you are sued and must payout more, an umbrella policy could cover the overage.

You’ll need umbrella insurance if you:

  • Own a home – if you’re held liable for an accident that happens in your home or on your property, the resulting lawsuit could cost you more than your home insurance policy will allow. The rest of the settlement would have to come out of your own pocket unless you had umbrella insurance.

  • Have significant assets

  • Have a pool – someone who owns a pool may be sued if a person invited to the house was injured during while swimming. If you are held responsible for the incident, your insurance company will only pay for the limits that are stated in your policy. Beyond that, you would need umbrella insurance to cover the rest.

  • If you have a boat – your watercraft coverage also has limits just like your homeowner’s policy, which may or may not cover your boat. Check with your local insurance agent to see if your home insurance will cover a boating accident. Even if it does, that coverage has limits where umbrella coverage would start to payout a liability suit.

The Raleigh, NC agents are a good place to start looking for umbrella insurance. At Young Insurance Associates Inc, you’ll be able to find the perfect coverage for your situation.

Will RV insurance cover what’s inside?

If you’re a part-time RVer who spends most of your time at home in Raleigh, NC, you probably don’t keep much in your vehicle besides vacation supplies, cooking gear, things like that. If you’re a full-time RVer, whether that means living a totally nomadic lifestyle or just doing month-long trips a few times a year, the RV is your home, it carries your whole life in it, so it’s good to know that your belongings are covered in the event of theft or an accident.

What Does RV Insurance Cover?

As a general rule, you can expect that a basic RV policy will cover whatever was in or attached to the RV when you bought it. Or if you’ve done some remodeling, then you’re covered on whatever you added to it. But you shouldn’t expect that your basic policy is going to cover every tea kettle, blanket, and book you’ve loaded into the vehicle for your next trip.

But, you do have the option of buying additional insurance through Young Insurance Associates Inc to cover your valuables. As a general rule: If you can put a monetary value on something, then someone offers insurance on it.

Just note that you need to keep that policy updated, just as you would a policy on the valuables you keep in your home. If you just finished a major shopping trip to deck your RV out with creature comforts like a Blu-ray player and silk sheets, then you’re going to want to make a stop at your insurer or pick up the phone and call. And just like your valuables at home, you’ll want to keep receipts and photos of anything you want to be covered. Give Young Insurance Associates Inc a call and see what they can do for you.