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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

Why Savvy Trucking Businesses Trust Paramount Insurance For Their Trucking Insurance

Proudly sponsoring the StreetSafe teen driving program that educates teen drivers about the “No Zone” You as a trucking business owner, you know that your business is different than most – it is highly specialized, and from an insurance standpoint carries far greater risk than most businesses. In short, while virtually any insurance agent can insure a home or car, there are few in NC, SC and VA that can provide you with the proper coverage from multiple insurance companies to get you the best coverage at the lowest cost. Here’s why savvy trucking businesses trust Paramount Insurance for their trucking insurance. Paramount Insurance Agency is proud to serve you as your [...]

Why Savvy Trucking Businesses Trust Paramount Insurance For Their Trucking Insurance2018-12-15T09:58:42-05:00

3 Ways to Slash the Cost of Trucking Insurance

Your Local Trucking Insurance Specialists Government regulations, high fuel cost, reduced hours of service and increasing insurance rates are making it more difficult than ever for trucking firms to make a profit. In this article, we'll share with you the top three ways to slash the high cost of trucking insurance. #1- Avoid accidents and violations. Obviously, this is the number one way to control your insurance costs. Accidents are going to happen. Some are preventable and avoidable though. Proper maintenance and staying alert can help prevent the majority of accidents on the road. #2– Shop around. Or better yet, use one agent that can do the shopping for you that has [...]

3 Ways to Slash the Cost of Trucking Insurance2018-04-26T00:23:37-05:00

Is Your College Student Covered

This time of year we get a lot of questions about insurance from parents whose teens are heading off to college. So, this makes me wonder how may parents don't even think about this and thought I better answer the question "Is Your College Student Covered?" plus some to other questions you may have never thought of. Auto Insurance Many freshmen don't have the option of having a car on campus, so those parents who have been paying high auto insurance rates for their teen to drive (and now are faced with college expenses) are trying to decide if cancelling their teen's auto insurance will save them money. Yes, it will save you money on [...]

Is Your College Student Covered2018-04-25T18:54:10-05:00

Why we are committed to helping parents of teen drivers

A little over seven years ago, I got a call from a long time client of mine. Little did I know, this call was about to change the way I look at my business and how I help my clients. When I answered the phone, I knew instantly something was terribly wrong. He’s voice was strained and I could tell he was about to tell me something really bad. Then the words came out. “Tom, my son Chris died Sunday night in a car accident.” My heart sunk. There was a long pause and I could tell he was in the worst pain any father could ever experience. I didn’t know what to say. Then [...]

Why we are committed to helping parents of teen drivers2018-04-26T00:23:15-05:00

Potential Problems with Homeowners Insurance

North Carolina's most common homeowners insurance policy is the HO-3 Standard Form. Most insurance companies will add many endorsements to this policy usually to enhance the coverages but some endorsements may limit or exclude coverage as well. In this article, I'll share with some of the most common potential problems with homeowners insurance. Be sure to read your policy to see if you could be left without protection for your own individual needs or give us a call. Business Related- If you conduct any business in your home or keep any business property in your home- Let your agent know! There are some changes you can make to avoid serious problems. A homeowners insurance policy [...]

Potential Problems with Homeowners Insurance2018-04-26T00:22:32-05:00

Are Your Most Valuable Items Covered?

Important: The standard NC homeowners insurance policy provides very little insurance for valuable items. Recently, my neighbor called me to tell me her home was broken into and asked if we saw anything suspicious around her house that day. We didn't but I went over to see if there was anything I could do to help and find out what happened. Apparently, someone broke in through her back door and stole over $80,000 worth of jewelry during the day while she was away. Her career requires a lot of travel abroad and over the years, she's collected jewelry to pass down to her grand daughters. When I asked her if she had a valuable items [...]

Are Your Most Valuable Items Covered?2018-04-25T18:53:47-05:00

Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy

I hope this story doesn't disturb you. I just think you should know what can happen. Too many insurance agents are afraid to share the real truth. Not me.I recommend a Personal Liability Umbrella for parents of teen drivers. Not many insurance agents do unfortunately. When I first became an insurance agent back in 1994, I helped a couple with their home and auto insurance. Fresh from insurance training, I followed everything I was taught to do and encouraged this couple to get the right protection for their specific needs which included a personal liability umbrella. They had an expensive home, nice cars and 2 young children... way too much on the line if something [...]

Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy2018-04-26T00:21:02-05:00

What Unmarried Couples Should Know About Car Insurance

Last week I shared the Potential Gaps in Homeowners Insurance for Unmarried Couples Living Together. Based on the number of questions and calls we received after that post, I realized I needed to quickly provide this follow up post on auto insurance. If you missed the previous post, be sure to check it out as soon as you finish reading this. As the number of unmarried couples living together continues to rise, more and more individuals may be unknowingly at risk for an uncovered claim or lawsuit. Either of these can be financially devastating. The typical North Carolina auto policy has specific language in it that can greatly affect unmarried couples living together and their [...]

What Unmarried Couples Should Know About Car Insurance2018-04-26T00:19:30-05:00
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