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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

Common Causes of Boating Accidents

There’s no substitute for experience and education when it comes to boating safety. Having the knowledge and experience to know how to avoid or react to the most common causes of boating accidents can not only reduce damages but can prevent injuries or worse. In 2012, the US Coast Guard reported 4,515 accidents that involved 651 deaths, 3,000 injuries and $38 million in damages as a result of recreational boating accidents. Almost 71% of the fatalities, drowning was the cause of death and of those, 85% were not wearing a life jacket. Of these accidents, here are the top 10 causes… #1- Operator Inattention #2- Operator Inexperience #3- Improper Lookout #4- Machinery Failure #5- Excessive [...]

Common Causes of Boating Accidents2018-04-26T00:25:58-05:00

Spring is here! Avoid These Dangers on Your Motorcycle.

As it gets warmer, the urge to fire up your bike and hit the road gets stronger. Bikers across North Carolina are charging batteries, checking tire pressure, and polishing up the chrome... getting ready for that warm afternoon to get out on the highway. All bikers look forward to the first spring ride but before you do, here are a few safety reminders. You don't want to be the first to the hospital because you got in too much of a hurry. Avoid these dangers on your motorcycle. We'll assume you prepared your motorcycle properly when you put it in storage for the winter. Hopefully, ethanol in the fuel was treated last fall to avoid [...]

Spring is here! Avoid These Dangers on Your Motorcycle.2018-04-26T00:25:47-05:00

16 Dangerous Dog Breeds Banned by Homeowners Insurance Companies

This is Sadie, a rescued lab/collie mix. Before you bite the messenger, you should know that I am a dog lover and have experience with owning a dangerous breed dog. I’m also an insurance agent and know how risky and costly owning a dangerous dog can be. So, this is a tough subject for me to write about. My heart goes out to all dog owners, especially those that rescue dogs that need a loving home. However there’s no arguing the statistics that show the economic impact the dangerous dog breeds have on homeowners insurance losses. Before I share with you the 16 dangerous dog breeds banned by homeowners insurance companies, let [...]

16 Dangerous Dog Breeds Banned by Homeowners Insurance Companies2018-04-26T00:25:37-05:00

Buying Life Insurance has Never Been Easier

You can’t protect your family from the grief caused by losing a loved one; but you can protect them financially with life insurance. Protect your family from the loss of a breadwinner by getting the right Life Insurance for them now. Don’t postpone buying life insurance; do it while you are young and healthy and lock in those rates for as long a term as possible. Insurance is about risk, and obviously the older you are the more likely you will develop health conditions that may make it more difficult and costly to obtain life insurance protection. Life insurance is unique in that you should buy it when you don’t think you will need it. Buying [...]

Buying Life Insurance has Never Been Easier2018-04-26T00:25:28-05:00

Got a Teen Driver? You Need a Personal Liability Umbrella.

Most consumers understand the reasons to carry liability and collision insurance on their vehicles. Auto liability coverage is required by North Carolina state law and collision is a financial requirement to either qualify for a loan on a vehicle or to protect yourself from the loss of the vehicle in an accident. But fewer understand the need for a personal liability umbrella policy and how that need escalates when you have a teen driver in your household. While your teen may be the exception, due to inexperience and immaturity teen drivers are involved in more accidents and those accidents are more costly than any other category of drivers. Teen Drivers Are Five Times More Likely [...]

Got a Teen Driver? You Need a Personal Liability Umbrella.2018-04-26T00:25:17-05:00

New Session Added for March 8th StreetSafe Teen Driver Safety Program

Paramount Insurance proudly supports the StreetSafe Teen Driving Experience! Word about the benefits of the StreetSafe teen driver safety program is spreading across the Triad and classes are filling up faster every month. Since StreetSafe came to the Piedmont Triad almost 5 years ago, the number of students getting this life saving experience has grown to over 145 during peak months. There are a number of options for parents that can help their teens become safer drivers but what makes StreetSafe so unique is that the program was created and taught by emergency first responders. These are those professionals that work every day in keeping our roads safe and are there when [...]

New Session Added for March 8th StreetSafe Teen Driver Safety Program2021-08-05T08:46:48-05:00

How to Prepare for Winter Storm Pax

As you are most likely aware, we are under a winter storm warning though Thursday evening. According to our friends at WGHP Fox 8 News there is a 100% chance of significant snow fall and possibly ice in their viewing area. Ice can be very damaging to property so in case you experience damage, I wanted to let you know what to do to prepare for winter storm Pax and how to prevent further damage. Our office may be closed tomorrow depending on the arrival of the storm. We will be answering phones though and will be here for you in case you have damage and need to file a property or auto insurance claim. [...]

How to Prepare for Winter Storm Pax2018-04-26T00:24:34-05:00

Is it a condo or a townhouse?

Is it a condo or a townhouse? Sometimes it can be hard to tell but if it's not described correctly, someone could pay. Here's the story... There was a townhouse that had some damage from a storm in High Point. The home was improperly insured as a condo. Apparently, someone had some bad information and didn't take the time to verify what type of home it actually was. And unfortunately in this case, there is a huge difference in how this property should have been insured. What amazes me is that it got past so many people. Surely, the previous owner should have known. The REALTOR could have found out. The closing attorney must not [...]

Is it a condo or a townhouse?2018-04-25T18:53:48-05:00

Does Your Homeowners Insurance Cover Water And Sewer Backup?

Just the other day we helped a homeowner that found us over the internet. He visited our website and saw my free homeowners insurance report offer to learn more about insuring his High Point, NC home. Well, after reading the section on water and sewer backup, he checked his homeowners insurance policy and found that he didn’t have this coverage with his “soon to become ex” agent. He was floored when he found out that he wasn’t covered if sewage backed up into his home. You can imagine the mess that causes. Believe me, I’ve seen it first hand way too many times. The truth is the standard HO3 North Carolina homeowners insurance policy does [...]

Does Your Homeowners Insurance Cover Water And Sewer Backup?2018-04-25T18:53:48-05:00

Problems with insuring older homes

We’ve helped thousands of home buyers in High Point, Greensboro and all over North Carolina get the right protection for what’s most likely the largest investment they have ever made. Over the years, we’ve come across many challenges especially recently, as insurance companies have tightened up underwriting for homeowners insurance. One of these challenges include problems insuring older homes. Before I get into these problems and what you need to know about insuring older homes, let me explain why I am sharing this with you. As a past REALTOR, I know that there are many factors that can pop up and kill a real estate deal. Getting a house under contract doesn’t mean your commission [...]

Problems with insuring older homes2018-04-26T00:24:25-05:00
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