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What Does the Standard North Carolina Homeowners Insurance Policy Cover?

Investing in a home is something of great importance and value so you must ALSO invest wisely when choosing the right insurance protection.  However, when it comes to finding the right coverage under your NC Homeowners Insurance policy, questions become rampant.  What does the Standard North Carolina Homeowners Insurance policy cover? The standard NC Homeowners policy is divided into 2 sections, which are Property Coverage and Liability coverage.  Let’s take a closer look so that you will better understand how YOU and YOUR HOME are covered. Property Coverage is divided into 4 separate sections: Coverage A – Dwelling Coverage     This provides protection for your home and the structures ATTACHED to your home. Coverage B – [...]

What Does the Standard North Carolina Homeowners Insurance Policy Cover?2018-04-26T00:33:35-05:00

Are You Getting All of the Auto Insurance Discounts You Deserve?

When it comes to the wonderful world of auto insurance in North Carolina, there are so many auto insurance discounts, it will make your head spin. So how do you know you’re getting every auto insurance discount you deserve? Well, there are a few ways to know this, and we will walk you through all of them. EDUCATE YOURSELF - You need to know which auto insurance discounts are even out there. You also need to understand that every insurance company has their own discounts that not all companies will have. However, to get your mind and eyes familiar with which discounts to look out for, here are the most common discounts that nearly all [...]

Are You Getting All of the Auto Insurance Discounts You Deserve?2018-04-26T00:31:42-05:00

Did You Know? The Importance of UM/UIM Coverage

Did you know that one out of seven drivers on the road are driving without insurance?  And to make things worse, two out of seven drivers are only carrying state minimum requirements for liability insurance.  Which means nearly half of all drivers on the road either have no insurance coverage or very little.  In this article I will share with you the importance of UM/UIM coverage also known as uninsured motorist and underinsured motorist coverage. 3 out of 7 drivers on the road today are putting you at risk! Your auto insurance policy provides various coverages including: Liability coverage-this protects you when you’re at fault in an automobile accident and injured someone else or caused [...]

Did You Know? The Importance of UM/UIM Coverage2018-04-26T00:31:09-05:00

Do You Need a Personal Liability Umbrella?

The insurance policies for your home, auto, motorcycle and other property provide you with personal liability protection meaning if you are found liable, these polices will pay for the cost of the damages you are responsible for. Without a Personal Liability Umbrella, problems occur when the liability limits in these policies are too low when significant damages occur. The most common problems occur from carrying lower auto liability limits. Auto accidents occur more frequently and the damages can be very costly. That’s not to say you can’t be sued if someone is seriously hurt on your property or while on your boat. Every month, District Court Judge Tom Jarrell and I volunteer to speak to [...]

Do You Need a Personal Liability Umbrella?2018-04-26T00:30:46-05:00

Should I Buy Rental Car Insurance

You’ve probably been at the rental-car counter, wondering “should I buy rental car insurance?” And thoughts race through your mind. “Is this a rip-off? Doesn’t my own auto insurance policy cover me? Does my credit card cover rental cars? Why didn’t I look into this before I left on my trip?” At Paramount Insurance, we are here to help. And while every situation may be different, here are some general tips that will help you make an educated decision the next time you rent a car. 1. Know your personal auto policy. Because auto insurance policies vary, it’s a good idea to give us a call before you rent a car. In most instances, if [...]

Should I Buy Rental Car Insurance2018-04-26T00:29:49-05:00

Best Used Cars for Teenage Drivers

In case you're planning to buy a used car for your teen this year, or you're trying to decide which of your existing cars might be the best one for her to drive, the Insurance Institute of Highway Safety (IIHS) is working hard to help you. For the first time ever, they have released their list of the Best Used Cars for Teenage drivers. The reason for this release is their research has shown that many teens are not driving vehicles with good crash protection or safety technology. The IIHS is known for its top safety picks of new car models; but its research found that 83 percent of parents who buy a car for [...]

Best Used Cars for Teenage Drivers2020-03-25T21:17:35-05:00

100 Deadliest Days For Teen Drivers

According to the National Highway Traffic Safety Administration (NHTSA) the time between Memorial Day and Labor Day is the deadliest for drivers 15-20 years of age. The Insurance Institute of Highway Safety (IIHS) informs us that the highest number of fatal car accidents (regardless of age) occur in July, with August and June being second and third respectively making summer known as the 100 deadliest days for teen drivers. There are a number of factors that contribute to the summer months being the most dangerous. Some that we really can't control are: 1) Roads are more congested due to vacation travelers 2) Vacation drivers are more dangerous due to being unfamiliar with the area and [...]

100 Deadliest Days For Teen Drivers2018-04-26T00:24:49-05:00

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

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
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