Toms Blog

Owning a dog can be one of the most rewarding life experiences but what if while entertaining guests at your home, your dog bites somebody, inflicting very serious wounds to your neighbors arm? Subsequently, your neighbor has had several surgeries and incurred thousands of dollars in medical expenses. Knowing some basic dog bite prevention tips can help avoid a situation like this one. Approximately 1,000 U.S. Citizens Per Day Will Require Emergency Care for a Dog Bite Injury This is an alarming statistic, but the facts don’t lie. Additionally, more than half of all dog bites occur on the dog owner’s property, leading to a top contender for common homeowners liability claims. If you are [...]

Getting out of the house and onto your summer vacation is a lot of fun, but have you made your vacation checklist for your home? Before you leave on that much needed vacation, make sure you prepare your home for your absence so that your home remains safe, and your mind remains stress free. Take a Few Steps of Precaution Before You Walk Out of the Door While taking some necessary precautions won’t guarantee your home will remain safe while you are gone, it will increase the chances that something bad may be prevented. Below are just some of the precautions you need to check off before you head out: Ask Your Neighbor to Collect [...]

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, [...]

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 [...]