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Tom Wiecek is your local Dave Ramsey ELP Endorsed Insurance ProviderTom's Blog

"That's Not Covered" are the Last Words You want to Hear. That's Why We Want to Help You Understand How You Are Protected and Not Protected. This Resource Can Help You Make Informed Insurance Buying Decisions So YOu Can Get the RIGHT Insurance Protection for Your Needs.

Tom Wiecek, President

Find Out When Ordinance or Law Insurance Coverage is Critical

Owning any type of business property means you are assuming the risk that your property may eventually sustain damages of some type(s), by either fire or some other covered peril, and when it does happen, you need to be aware of some pertinent facts.  The damages may be so severe that you may need to restore or rebuild your damaged building; however, you may encounter some obstacles if aren’t aware of various government laws and/or ordinances that might govern repairs/restoration to your damaged building.  Find out when Ordinance or Law Insurance Coverage is critical. Imagine that you own an electric company that is severely damaged in a fire, resulting in substantial damages that require a [...]

Find Out When Ordinance or Law Insurance Coverage is Critical2019-01-27T08:10:54+00:00

How You Can Protect Your Identity

Identity theft in the U.S. continues to be a problematic issue with as many as 16.7 million people being victimized each year. The first step to avoid becoming a target is to realize how prevalent identity theft is and then take action to safeguard your personal information. Start your year off right by learning how you can protect your identity; after all, it’s the only one you have. Getting Victimized Can Be Costly When cleaning out your home to move, you threw out tons of paperwork including old bills, receipts, and mail from your home office in a concentrated effort not to move clutter from your current home to the new one. However, a month [...]

How You Can Protect Your Identity2019-01-21T18:15:56+00:00

What It Means When Your N.C. Auto Liability Insurance is Ceded

In North Carolina, you are required by law to carry auto liability insurance on any vehicle that you own/operate, but what if your driving record is tarnished with a history of several accidents? While nobody can be turned down for auto insurance coverage, (exceptions apply) your insurance carrier CAN decide to turn your policy over to the North Carolina Reinsurance Facility (NCRF). If you fail to pay your insurance premium or no longer have a valid drivers license, you can be turned away for coverage. If you receive notification, you will need to know what it means when your N.C. auto liability insurance is ceded. How Does NCRF Operate? Developed in 1973, the North Carolina [...]

What It Means When Your N.C. Auto Liability Insurance is Ceded2019-01-14T12:11:28+00:00

Ensure Your Valuables Are Properly Protected

With Christmas behind us and Valentines Day quickly approaching, you may have received and/or will be receiving some beautiful and perhaps costly gifts. Adding to your inventory of new purchases or gifts means you should also take inventory of your N.C. homeowners coverage to ensure your valuables are properly protected. Don’t Let This Happen to You You woke up Christmas morning to a wonderful surprise! Your husband surprised you with an exquisite pearl necklace that you always wanted and you couldn’t be happier. However, the next day you and your family left town to visit family, leaving your necklace safe at home. When returning home, you realize that someone had broken in and stolen all [...]

Ensure Your Valuables Are Properly Protected2019-01-14T08:27:30+00:00

Insurance for Your Trucking Business for Small Motor Carriers

As a trucking business owner, you realize that your business is not only vastly specialized, but is inherently risky which is why having the best coverage for your trucking needs is crucial for not only the protection of your business, but the success of your business as well. Finding the right type of insurance for your trucking business for small motor carriers is more problematic than a standard home or car insurance policy because there are merely a few insurance agents in NC, SC, and VA that can provide the coverage options that you may need. We Offer Many Trucking Company Insurance Solutions Paramount Insurance Agency is a N.C. independent insurance agency that is here [...]

Insurance for Your Trucking Business for Small Motor Carriers2018-12-17T17:51:24+00:00

Potential Insurance Problems With Older Homes

When you begin that search for your perfect home, you may prefer looking at newer properties or perhaps, the old world charm of older homes, but if you prefer the latter, you may run into some issues with insuring it. Many insurance companies have enforced tighter underwriting restrictions for one simple reason. When it comes to having the right type of protection for what may be your biggest investment yet, you may find there are potential insurance problems with older homes because they pose a much higher risk of the frequency and severity of claims. Sealing the Deal May Not Be As Easy As You Think You spent 6 months searching for the house that [...]

Potential Insurance Problems With Older Homes2018-12-16T17:34:01+00:00

How to Insure Your Vacant Home

Leaving your home for an extended period of time may void your N.C. homeowners insurance coverage so you must be aware of the difference between your home being vacant versus unoccupied.  According to the National Association of Insurance Commissioners, your home may be considered “vacant” if unoccupied for 60 days or more.  The reason insurance companies have this type of stipulation/guideline  directly correlates to the higher increase in risk for a catastrophic loss to take place when nobody is there to observe or mitigate the claim(s) once it happens.  If your home is vacant, will you know how to insure your vacant home? The Difference Between Vacant and Unoccupied  There are some defining factors when [...]

How to Insure Your Vacant Home2018-12-03T09:59:30+00:00

Defining a Consent to Rate Letter

You may have received a letter from your insurance company if you are a North Carolina Homeowners Insurance policyholder and if you did, do you know what it means? Many homeowners are receiving this letter and you need to understand why you received it and what it means to you, as a N.C. homeowner. Keep in mind that this letter is a consent to rate letter and is hugely foretelling of what’s to come. Have you received a consent to rate letter? Hold On Before You Sign on the Dotted Line   Consent to rate letters are being sent out by insurance companies in large numbers to N.C. policyholders, but before you sign on the [...]

Defining a Consent to Rate Letter2018-11-26T09:36:07+00:00

Staying Safe for the Holidays

The holiday season is upon us once again and that typically means people are busier and traveling more. In fact, holidays are amongst the busiest travel times of the year because of either visits with friends and family or indulging in that much anticipated vacation. With an increase in the hustle and bustle of the holiday season, it is important to be aware of staying safe for the holidays. Some Key Safety Measures to Follow During the Holiday Season   Map your travel route and plan appropriately- Before you hit the road, make sure you have the directions available and anticipate the possibility of heavy traffic. Remember, many people are traveling during the holidays and [...]

Staying Safe for the Holidays2018-11-26T09:19:42+00:00

The Importance of Proper Home and Auto Insurance Protection

You may hear a lot about homeowners and auto insurance, but most likely the main focus is on rates with little to no mention of the protection you are getting.  First of all, let me take a moment to THANK YOU for your business and trust in my team for allowing us to protect what is most important to you.  I would like to share with you the importance of proper home and auto insurance protection because without it, you could be exposed to many horrific situations that I have personally witnessed too many times. Being in the business for over 24 years, I have seen many people lose personal property, priceless photographs, and family [...]

The Importance of Proper Home and Auto Insurance Protection2018-11-13T10:25:26+00:00