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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

The Biggest Problem with Boat Insurance

Owning a boat may mean spending many fun-filled days on the water; however when it comes to finding the right type of boat insurance, the waters can get rough. What most people don’t realize is that their N.C. homeowners policy does not provide the type of specialty insurance you need for your boat, whether it is a powerboat, fishing boat, or houseboat, to name a few. While your N.C. homeowners policy may cover your boat while it is stored on your property, it will not provide coverage for your boat on the water, leaving you exposed to many risks that could sink you financially! If you do suffer a covered loss to your boat, you [...]

The Biggest Problem with Boat Insurance2018-04-26T00:45:38-05:00

Tips to Avoid the Most Common Boating Accidents

What you plan on happening while boating is not always what actually happens. Imagine planning a great day on the lake on the boat with friends, cooler packed, sunscreen on, when out of nowhere you plow into a submerged tree stump. Not only is there significant damage to your boat, but also some of your passengers are complaining of neck pain. Are you prepared to handle this type of situation? Knowing tips to avoid the most common boating accidents doesn’t prevent them from happening, but it will make you more aware of the risks involved while prioritizing safety! Common Causes of Boating Accidents, but Not Limited to: Many unfortunate things happen while boating every day [...]

Tips to Avoid the Most Common Boating Accidents2017-10-11T23:59:02-05:00

Most Common Summertime Insurance Claims

Summertime drums up many thoughts and plans of vacations, boating, swimming, cooking out and road tripping; however, despite all the fun and games, this is the time that many unfortunate things can happen, taking the fun right out of that good time. The key here is to be aware of the most common summertime insurance claims so that if something bad does happen, you will be prepared. Below Are Some of the Most Common Summertime Claims, but Not Limited to: Home Burglary and Break-Ins- Summertime tends to lead to an increase in home burglary and break-ins simply because homeowners may be vacating more, leaving their home unoccupied. Because vandals tend to come out more frequently [...]

Most Common Summertime Insurance Claims2017-10-11T23:58:50-05:00

What Type of Insurance Agent Works Best for You?

Whether it’s regarding your home, your auto or your business, you know that insurance protection is a necessity; however knowing how to get the right insurance coverage from the best insurance agent may seem difficult. The first question you have to ask yourself is what type of insurance agent works best for you?  In order to adequately answer this question, you need to know the difference between a captive agent and an independent agent. Captive Agent A captive agent is an agent that only offers products to sell to his/her customers from one insurance company. The good news for the captive agent is that he/she only has to know the one company’s products, rules and [...]

What Type of Insurance Agent Works Best for You?2017-10-11T23:58:36-05:00

Term Insurance Versus Permanent Life Insurance

Many people may find the whole concept of life insurance rather confusing especially when you hear ALL of the different types of life insurance options that are available. Typically life insurance is broken into two main categories. The main types you may hear are “term” and “permanent” which brings you to the everlasting question… Term insurance versus permanent life insurance: What’s right for you? You can’t answer that question without knowing some basic differences between the two. What is Term Life Insurance? Term insurance is specifically designed for life insurance coverage for only a specified “term”, which may be 10 or 20 years, at a reasonably priced cost. This type of insurance has a death [...]

Term Insurance Versus Permanent Life Insurance2017-10-11T23:58:23-05:00

Wedding Insurance: Say, “Yes!”

You have been dating for years now and finally, you both have decided to tie the knot! Plans are being made from all angles as you prepare for your new life together. Making decisions about the guest list, the reception venue, the flowers, the food, and the honeymoon can be exciting, yet the list can go on endlessly and become overwhelming. If you spend time and effort to make these decisions, it will all turn out like a fairytale and be a picture perfect wedding, right? Maybe, but what if it doesn’t? Will you be prepared? Wedding insurance: say, “yes!” Reception Nightmare Imagine if THIS happens to YOU! Your reception venue has been carefully chosen, [...]

Wedding Insurance: Say, “Yes!”2017-10-11T23:58:13-05:00

Firearms Insurance Protection

If you are one of the million people who own valuable firearms in the United States, it would be safe to assume you need the right type of insurance protection that would endorse their value. Understanding the unique needs of those who own valued firearms is our business here at Paramount Insurance and we can provide the firearms insurance protection that best represents and protects your collection. Scheduled Personal Property Endorsement Most standard homeowners insurance policies and renters insurance policies include firearms as part of the personal property coverage (Coverage C) for household items. The standard N.C. homeowner policy provides coverage for 10% of Coverage C up to $10,000; however there are specific limitations on [...]

Firearms Insurance Protection2017-10-11T23:48:25-05:00

Rental Car Insurance- to Buy or Not to Buy

Maybe you are on a vacation and need to rent a car or maybe you need a rental car for another purpose. Rental car insurance- to buy or not to buy- that is the question most people are left asking themselves when it comes time to renting a car. The decision doesn’t need to be difficult as long as you know the facts. Not All Rental Companies Are the Same Depending on your need/usage for a rental car will depend on what kind of coverage you need or already have on an existing auto insurance policy. Typically, rental car companies will offer you three different types of coverage options. Deciding whether you need any or [...]

Rental Car Insurance- to Buy or Not to Buy2017-10-11T23:48:43-05:00

Water Damage Basics

Anything can happen when it comes to water. Whether it is a hurricane, tidal wave, or torrential downpour, water can cause flooding but what if your sewer or sump pump backs up or your toilet overflows? Will your standard N.C. homeowners policy protect your home from the damages these things may cause? It is important to understand water damage basics when you purchase a N.C. homeowners insurance policy, so you will know what your coverage includes and excludes. Not All Water Losses Are Covered Under Your N.C. Homeowners Policy Even with an extended homeowners insurance policy, some losses caused by water still may not be covered so you need to know which ones are typically [...]

Water Damage Basics2018-04-26T00:22:32-05:00

Insuring Your Personal Property

Protecting your home from burglars and maintaining safety in your home is always important and many guidelines have been outlined this month to protect your home and your belongings from intruders. However, even if you follow the given guidelines of home security and safety, you could still be a victim leaving your home and valuables exposed to theft, loss or damage. Insuring your personal property (valuables) for replacement cost or agreed value will give you peace of mind that if your valuables are stolen, lost or damaged, you will be sufficiently compensated under your N.C. homeowners policy. Be aware that there may be coverage limitations on your valuables under your standard N.C. homeowners policy. While [...]

Insuring Your Personal Property2017-10-11T23:49:14-05:00
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