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NorthGroup Insurance Services, Inc

13903 S Old Statesville Rd
Huntersville, NC 28078

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3824 Barrett Dr, Ste 101
Raleigh, NC 27609

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Five RV Insurance Factors to Consider

Five RV Insurance Factors to Consider

There are a lot of great RV parks and campgrounds around Raleigh and greater North Carolina. For many campers, an RV or motorhome makes for a great getaway, offering the comforts of home on the go. If you own or are looking for an RV, however, you need to closely consider RV Insurance. Young Insurance Associates Inc has helped countless campers in Raleigh, NC obtain the right insurance for their needs. Let’s take a look at 5 factors you should consider when shopping for recreational vehicle insurance.

Are Personal Belongings Covered?

Many people start with the monthly premiums when considering RV insurance. However, it’s often best to start by considering what’s covered. Personal effects coverage provides insurance for items that are not permanently attached to your RV, such as laptops. You should check to see if a plan offers personal effects coverage, and if so, how much.

Full-Time Versus Part-Time RV Insurance

How often you plan to use your RV will impact insurance premiums and the type of RV insurance you should have. If you live in your RV, you’ll typically want to go with full-time insurance. If you only use your camper or motorhome for occasional getaways, part-time insurance may be a better choice.

How Much is the Deductible?

Many insurance plans carry a deductible, meaning you’ll have to pay out of pocket up to a certain amount when you make a claim. Generally speaking, higher deductibles mean lower monthly premiums, but if you need to make a claim, you’ll have to pay more out of pocket.

How Much Liability Coverage Does the Plan Offer?

Liability insurance will cover someone else’s medical bills or property damage if an accident occurs. If you have low liability coverage on your RV insurance plan, you may find yourself in court if someone sues you to recover costs and damages.

How Much Is The Premium?

You can’t forget your RV insurance premium costs, of course. However, you’ll want to consider that price in the context of what the insurance plan offers.

Looking for RV insurance for your camper, motorhome, or other recreational vehicles? Contact Young Insurance Associates Inc! We serve Raleigh, NC and other areas too!

Who needs renters insurance in Raleigh?

When you are looking for a new community to move to, the Raleigh, NC area can be a great place to choose. If you are going to move to this area, renting can be a good option as it gives you the chance to explore the city and see all that it has to offer while enjoying the flexibility that comes with being a renter. When you do rent here, it is important that you get proper insurance. There are several situations when you will need to get a renters policy here. 

Those with Lease Obligations

A situation when you will have to get a renters insurance plan will come when you have lease obligations. If you have entered into a lease for a new home it is important to follow all the rules. It is very common for landlords to require tenants to obtain proper insurance. A landlord may also require you to get coverage for a full annual lease term prior to the start of the lease. If you do not provide evidence of coverage on time, it could invalidate the entire lease.

Those that Want Coverage for Assets

Getting a renters policy is a good idea even if it is not a lease requirement for you. Those that move into a new rental property will be bringing with them all of their personal assets including clothing, furniture, and electronic equipment. If you have the right insurance coverage, you will have protection and can be reimbursed if the assets are stolen or damaged.

As you are moving to the Raleigh, NC area it would be a good idea to call Young Insurance Associates Inc. The team with Young Insurance Associates Inc understands the value that this coverage provides. They can then help you understand your options and build a policy. 

Who needs to get motorcycle insurance in Raleigh?

For those that love motorcycles, the Raleigh, NC area can be a great place to live in or visit. The Raleigh area offers great weather, nice scenery, and plenty of great areas where you can use your motorcycle on a daily basis. When you are looking to get a motorcycle in this area of the state, getting the right insurance is very important. There are many situations when someone will need to get a full motorcycle insurance plan when they are here.

Legal Requirement

A reason that people need to get motorcycle insurance in this area of North Carolina is that it is a legal requirement. If you decide to operate any type of vehicle in this area of North Carolina, you should be aware of your legal requirements. All motorists in this state are obligated to carry liability insurance at all times, which will ensure you are protected and able to cover any damages you may cause in an accident.

Needed to Protect Asset

You should also get a motorcycle insurance plan as it is needed to protect your asset. Buying a motorcycle, or any other major asset will require a big investment. Finding ways to protect this investment is always very important. With a full motorcycle insurance plan that has collision and comprehensive coverage, you will know that you are protected well at all times. 

Having motorcycle insurance in the Raleigh, NC area is very important. If you are going to get this coverage here, you should call Young Insurance Associates Inc. There are a lot of important factors to take into consideration when choosing a plan and Young Insurance Associates Inc will give the support that you need. This can help ensure you get into a policy that works for your situation. 

What is beneficial about getting condo insurance?

Anyone that lives in the Raleigh, NC area should consider purchasing a home. Those that are property owners here will benefit greatly from the fast-growing economy and population base. As you are looking for a new home here, you should think about getting a condo. While a condo will offer several benefits, you need to get proper condo insurance before move-in. Having a condo insurance policy can benefit you in several different ways. 

Insurance Will Protect Your Home

A key advantage that will come when you get condo insurance coverage is that you will receive protection for your home. Anyone that is going to purchase a condo will be making a major investment for their future. If you do not keep proper insurance in place, you will be putting that investment at risk. With proper insurance, you will benefit by knowing you are covered against a variety of risks that could result in a loss.

Insurance is a Requirement

You will also want to get condo coverage because it will keep you in compliance with different agreements. Most of the time, condo owners will be required by both home associations and mortgage lenders to carry the proper insurance. By getting and retaining this coverage, you can be assured that you will remain in compliance at all times. 

Picking a new insurance policy for your condo is always a big decision. If you are looking for insurance in the Raleigh, NC area, it would be helpful to call Young Insurance Associates Inc. There are a lot of important factors to consider when you are looking for insurance. The team at Young Insurance Associates Inc can help a lot by assessing your needs and helping you build a policy that offers the appropriate coverage for your situation. 

Three of the best features to take advantage of when you purchase renters insurance

It’s important that you find the right renter’s insurance policy if you are renting a property in Raleigh, NC. At Young Insurance Associates Inc, we sell renters insurance policies that can give you financial security.

The following are three of the best features to take advantage of when you purchase renters insurance.

Coverage for your personal belongings

One of the most important things that renters insurance provides coverage for is damage to your personal belongings.

If the personal belongings you keep within your rented residence become damaged through vandalism, theft, storms, fire, and many other potential causes of damage, renters’ insurance will cover their value. 

Coverage for the costs of temporary living quarters

If your rented residence becomes damaged and you can no longer stay in it, you’ll need somewhere else to live. Renters insurance can cover the costs of temporary living quarters until your rented property is restored so that you can live in it again. 

Medical expense coverage for liability damages

One potential expense that you really don’t want to underestimate is liability damages from injuries that take place in your rented home. You could be held liable if a guest becomes injured in your home.

Fortunately, renters insurance can help you in this instance. Renters insurance provides coverage for medical expenses resulting from liability damages that occur within your rented property. 

Contact us to learn more about the many features of renters insurance that you can take advantage of. If you rent in Raleigh, NC, send us your questions and inquiries at Young Insurance Associates Inc. We’ll get back to you right away with helpful information about meeting your renter’s insurance needs!

Three things you can do to make your motorcycle insurance policy more convenient

Finding the right motorcycle insurance policy in Raleigh, NC gives you peace of mind when you’re out on the roads. We provide motorcycle insurance to North Carolina riders at Young Insurance Associates Inc.

The following are three things you can do to make your motorcycle insurance policy more convenient. 

Bundle your insurance policies

Purchasing multiple types of insurance from one provider can sometimes mean you can enjoy discounts. It’s also more convenient to deal with one company rather than several when meeting your insurance needs. 

Set up automatic payments

Many motorcycle insurance providers will allow you to set up automatic payments. With automatic payments, motorcycle insurance becomes so convenient that you don’t have to do anything at all to make sure that your payment is taken care of every month.

With automatic payments, your payment is automatically withdrawn from your bank account and applied to your motorcycle insurance account. 

Take advantage of online account access

Another great feature providers of motorcycle insurance often offer is online account access. With this feature, you can set up an account online.

By simply logging in on the website of your insurance provider, you have access to all the key information about your insurance policy. You can also use online account access to make payments. This way, you don’t have to send in a payment by mail or call your insurance provider to pay over the phone. 

We endeavor to make motorcycle insurance as convenient as possible for our clients in Raleigh, NC. We can answer all your questions about motorcycle insurance at Young Insurance Associates Inc. Let us know if you’re currently on the market for motorcycle insurance by contacting us online. 

Condo Insurance Myths North Carolina Residents Should Beware

Young Insurance Associates Inc. serves the Raleigh, NC community by offering residents insurance coverage. Our goal is to help our clients find the policies they need in order to protect their futures. As an independent agency, we offer flexible coverage options to our clients.

Condo Insurance Myths

Owning a condo in Raleigh, NC gives you the opportunity to enjoy some of the attractions throughout the city in a comfortable manner. Condo insurance protects your condo in the event that it is damaged or vandalized. You can also amend your policy to include coverage on your personal items inside the condo in the event that they are stolen. With that being said, here are some condo insurance myths that you should beware of while researching policies.

I Have Coverage Through The Corporation. That’s Enough

While you may have insurance through the corporation, you are not fully protected. That policy likely only covers the exterior of the building. In order to protect your own personal condo, as well as your belongings, you need your own policy.

My Renovation Project Is Covered

This is incorrect. In the event that you decide to renovate your condo, your project is not automatically covered through your policy. You will have to amend your policy to cover these upgrades.

I Can Rent Out My Condo With No Issue

If you plan to rent out your condo, you need to research your policy carefully. Most condo insurance policies do not contain a clause for renting out the unit due to the risks involved.

My Landlord Covers Serious Disasters Such As Flooding

If your property accidentally floods, causing damage to your unit, as well as others, your landlord is not automatically associated with the damages. You may need additional coverage to stay protected.

Young Insurance Associates Inc. Can Help You

For more information on condo insurance, visit our website today!

Is Commercial Insurance Required in North Carolina?

If you are a North Carolina business owner then you are required to carry at least two types of commercial insurance: workers’ compensation and commercial auto insurance. Only businesses that employ three or more individuals regardless of whether they are full-time or part-time are mandated to have workers’ compensation coverage; however, even North Carolina businesses that have just one or two employees should strongly consider a policy. Workers’ compensation insurance helps pay medical bills for work-related injuries or illnesses and protects you, as a business owner, from liability associated with that injury or illness. 

Additionally, any business-owned vehicles in North Carolina are required to be covered under a commercial auto insurance policy. If you ask your employees to use their personal vehicles for work use, then it is strongly recommended that you have a hired and non-owned auto insurance policy because many personal use policies will exclude business use from coverage. 

In addition to workers’ compensation and commercial auto insurance, it is recommended but not required for businesses to carry additional coverage depending on the type of work that they do. For instance, if you own a company that stores personally identifiable information like a social security number, bank account information, or phone numbers tied to customers then you should consider cyber liability insurance in case you suffer a data breach or hack. A reputable agency, like the team at Young Insurance Associates Inc in Raleigh, NC, will help you find the perfect policy for your needs. We’ll take the time to ask questions about your business so that we can recommend a customized policy that is tailored to your company.

Is boat insurance a requirement in Raleigh, NC?

Nothing beats the feeling that comes with using your hard-earned savings on savory things like a boat. For a water enthusiast, a watercraft can be a special vessel in Raleigh, NC, where there are lots of fun things to do for boaters. However, with the fun comes unfathomed risks that can quickly wipe out your savings; that is why you need boat insurance.

While it is not a requirement in North Carolina, boat insurance is a vital policy that every boater should have. Young Insurance Associates Inc can help you find a plan that will protect your boat.

Why is boat insurance important?

Even if it is not a requirement, boat insurance gives you the assurance that your vessel is well protected and safe throughout the year. Sometimes accidents are inevitable, especially in Raleigh NC, but with boat insurance, you are sure to get compensation in case your boat is stolen or damaged. Most boat insurance policies cover physical damage, medical payments, and liability.

Major coverages

Boat insurance provides coverage for the following:

  • Physical damage: This coverage protects your boat against physical damage caused by windstorms, lightning, fire, or vandalism. The insurance company will typically pay for the repairs or replacements. However, your personal effects not related to the boat may not be covered, but you can buy premium coverage for that.
  • Medical payments: This coverage pays for medical bills up to the covered limits in case you are injured or another person in your boat. It also pays funeral expenses.
  • Liability: Your liability coverage compensates for property damage or bodily injury. It also covers lawsuits in case you are sued.

While these coverages are the most critical, you are eligible to buy additional coverages based on your budget, style, and preference. You can purchase coverages such as emergency towing, spare parts, and other plans that fit your needs.

Feel free to contact Young Insurance Associates Inc for more information on boat insurance.

Will Home Insurance Cover What I Keep At The Office?

Your home insurance policy covers everything that you keep inside your home, even when it’s not inside your home. If your laptop is stolen from your car, for instance, your home insurance will likely cover it as long as it’s on the policy. So, generally speaking, anything you take to the office with you is going to be covered by most home insurance providers in Raleigh, NC.

That said, there are some things that you’ll need to keep in mind, here. Namely, if your possessions are not in your home, they will be covered as part of the "off-premises" coverage, which typically extends to 50% the limits of your standard home policy for possessions. This means that if you, say, forget your expensive watch in your desk at work one night and it’s lost in a break-in, you’re probably covered, depending on the value of the watch. But you don’t want to use your office as a storage facility for thousands of dollars worth of personal possessions. In other words, the office might not be the best hiding place for a big pile of expensive Christmas gifts.

To make sure that you’re covered, you need to keep an accurate inventory of your possessions, and you need to know what your limits are, and what your limits are for off-premises possessions so that you know exactly how much protection you have away from home.

If you’re still shopping around for home insurance in Raleigh, NC, get in touch with Young Insurance Associates Inc. At Young Insurance Associates Inc we can compare quotes and get you a good deal on a great policy, so call, stop by or get in touch through our website and let’s see what we can do for you.