HOW CAN WE HELP YOU?

mobile-callClick to Call
Don Allred Insurance

3001 South Church Street
Burlington, North Carolina 27215

google-mapGet Directions
Welcome to North Carolina

How to Find a Lost Life Insurance Policy

Posted on by

Financial planning can be a challenge for anyone, and many people struggle with prioritizing their finances. One important step is securing your family’s financial future with a life insurance policy. If you live near Burlington, NC, our team at Don Allred Insurance looks forward to meeting you and discussing your insurance options. We’ve been working with clients like you since 1977.

How to Find a Lost Life Insurance Policy

When you purchase a life insurance policy, you’ll be asked to designate one or more beneficiaries who will receive funds from the policy upon your passing. It’s crucial to notify your beneficiaries and update your policy if there’s a change in beneficiary or if one of your beneficiaries has an address change. Unfortunately, some people neglect these steps, and loved ones may struggle to locate policy information after someone passes away. According to the North Carolina Department of Insurance, there are resources available to help individuals find details about lost life insurance policies.

The North Carolina Department of Insurance has created an online tool to assist those searching for life insurance information. Beneficiaries or executors can submit an inquiry through the Department of Insurance’s website. The information will be forwarded to insurance companies, which will then contact the appropriate beneficiaries.

Call Us Today for Your Appointment

Our team understands that every client is unique. At Don Allred Insurance, we are committed to finding the insurance solutions that best fit your situation. Clients in the Burlington, NC area trust us for excellent customer service. Call us today to schedule an appointment, and let’s discuss your insurance options.

What is the Minimum Coverage Required with Auto Insurance in North Carolina?

Posted on by

When living and driving in Burlington, NC, it’s essential to protect yourself, your passengers, and your vehicle at all times while on the road. Understanding the minimum coverage requirements in Burlington can help ensure vital protection while providing peace of mind. At Don Allred Insurance, we’re here to help you find the policy that’s just right for your needs before you get out on the road again.

Minimum Coverage Requirements

  • Bodily Injury Liability: The current minimum required per person is $50,000, with a minimum of $100,000 per accident.
  • Property Damage: A $50,000 minimum of property damage coverage is required.
  • Uninsured/Underinsured Motorist Coverage: A minimum of $30,000 in uninsured/underinsured motorist coverage is required.

The Importance of Avoiding Underinsurance

Baseline insurance policies may not fully protect you if you’re in a serious accident. Many experts recommend higher limits if you have significant assets or if you own a home in the region. For some residents, considering an umbrella insurance plan may be ideal to safeguard their savings.

Why Minimum Coverage Matters

Regardless of how frequently you drive, proper insurance on your vehicle is crucial, and here’s why:

  • Protects against potential unintended accidents during rush hour or severe weather.
  • Protects you from being held personally liable for damages that may exceed the policy’s coverage.
  • It provides you with peace of mind and a sense of security, knowing you’re safe and insured.

Working with the right agency and agent can help you find the best auto insurance policy or bundle that suits your needs and those of your household. Whether you’re interested in the minimum coverage or want to maximize coverage when commuting or transporting your family, we’ll be here to help. To learn more about the minimum coverage required with auto insurance in Burlington, NC, contact Don Allred Insurance for your initial consultation today.

Important Differences Between Home Insurance and Home Warranty

Posted on by

Homeowners in Burlington often hear about both home insurance and home warranties, but many aren’t clear on how they differ. While both offer important financial protection, they serve very different purposes, as your insurance representative at Don Allred Insurance, serving Burlington, NC, explains. Understanding these differences can help you determine what coverage is most suitable for your situation.

What Home Insurance Covers

Home insurance is designed to protect you against sudden, unexpected damage to your home and belongings. If your house suffers a fire, windstorm, theft, or similar covered event, your insurance policy will help cover the cost of repairs or even a full rebuild. It also typically includes liability coverage, which protects you if someone gets hurt on your property.

In most cases, mortgage lenders require home insurance since it helps safeguard the value of the house itself. Without it, you’d be fully responsible for paying to repair or replace your home after a disaster, an expense that could be financially devastating.

What a Home Warranty Does

A home warranty is different. It’s a service contract that pays to repair or replace major systems and appliances in your home that fail due to normal wear and tear. Think of your heating system, water heater, kitchen appliances, or electrical systems. If they break down from routine use, a warranty helps cover the cost of getting them working again.

Unlike home insurance, a warranty doesn’t cover structural problems from storms, fires, or vandalism. It’s meant more as a budget protection tool to handle everyday breakdowns that homeowners can almost count on happening eventually.

If you’re unsure whether you could benefit from a warranty on top of your insurance, your local agent at Don Allred Insurance, serving Burlington, NC, can help you weigh the costs and potential savings. It’s a straightforward way to keep your home—and your budget—protected from all angles.

What “In-Network” vs. “Out-of-Network” Really Means for Your Coverage

Posted on by

Health insurance can often feel like a maze of unfamiliar terms, but understanding the basics can make a big difference, especially when it comes to knowing what “in-network” and “out-of-network” really mean. At Don Allred Insurance in Burlington, NC, we believe your health coverage should be straightforward and easy to navigate.

What Does “In-Network” Mean?

When a provider is “in-network,” it means they’ve agreed to work with your insurance company and accept predetermined rates for medical services. These providers have a contract with your insurer, which often translates into lower costs for you. Think of it as being part of a members-only club—you gain access to services at a discounted rate because your insurance company has already negotiated on your behalf.

What About “Out-of-Network”?

Out-of-network providers, on the other hand, don’t have a contract with your insurer. This means they can charge their own rates for services, and your insurance may cover only a smaller portion of the bill, or sometimes none at all. As a result, you’ll likely face higher out-of-pocket expenses. While you can still see these providers, it’s important to understand the potential cost implications.

Why It Matters When You Seek Care

Understanding the difference between in-network and out-of-network providers can help you make smarter choices when scheduling appointments, especially for specialists or planned procedures. Knowing your provider’s status before you go can save you from unexpected medical bills.

If you’re unsure which providers are in-network for your plan or need help choosing a policy that offers the coverage you need, the team at Don Allred Insurance in Burlington, NC is here to assist. Let’s make your healthcare coverage work smarter for you.

Locate a Lost Life Insurance Policy

Posted on by

We all make numerous financial decisions every day. When it’s time to think about providing for your family after you pass away, considering life insurance is a crucial step. If you’re near Burlington, NC, our team at Don Allred Insurance can help you understand your options and choose the right policy for your needs. We’ve been serving clients like you since 1977.

How to Locate a Lost Life Insurance Policy

If you are trying to locate a lost life insurance policy, the North Carolina Department of Insurance may be able to assist. The Department has established a method to search for lost policy information. Anyone looking for details about a life insurance policy or annuity purchased in North Carolina can use this service to help locate the policy. The link to the policy search is available on the North Carolina Department of Insurance website.

If the search request produces a result, the Department of Insurance will contact the insurance company that issued the policy. The insurance company will then contact the policy beneficiary to collect the insurance payout. If the person requesting information isn’t entitled to it, the Department will not release any details. Only the beneficiary is authorized to access information about the insurance benefit payout.

Contact Us Today for Your Appointment

Life insurance protection may be simpler and more affordable than you think. At Don Allred Insurance, we can help you find a policy that fits your budget and meets your needs. Clients in Burlington, NC have trusted us for nearly fifty years to provide excellent insurance advice and support. Call us today to schedule an appointment and discover why so many of your neighbors rely on us.

How to Get Coverage for Aftermarket Upgrades to Your Car

Posted on by

If you reside in North Carolina and drive a car, you are legally required to purchase auto insurance. Many drivers have questions about auto insurance. Drivers in the Burlington, NC area are invited to visit our team at Don Allred Insurance to select the best insurance for you and your family. We’ve been proudly serving drivers in your area since 1977.

How to Get Coverage for Aftermarket Upgrades to Your North Carolina Vehicle

When you buy car insurance, the cost of your premium is partially based on the type, age, and condition of your car. Many drivers enjoy adding aftermarket upgrades to their cars. For instance, music enthusiasts may invest in an upgraded stereo. Although your policy will typically cover damage to a factory-installed car stereo system, it does not cover upgraded stereo components.

Most auto insurance policies will not cover these upgraded parts unless you add the specifications of the upgrade to the auto insurance policy. Although this addition will likely raise your premium, that investment can prove worthwhile if your car is damaged and the stereo is involved in the damage. According to Stereo Upgrade, your new stereo will be listed as "additional equipment," and you should keep your receipt for the upgraded parts to prove their worth in the event of a damaging accident.

Contact Don Allred Insurance Today for Your Appointment

When you’re driving your car, your auto insurance will help you be prepared in case of an accident. Our team at Don Allred Insurance is ready to guide you as you find and purchase the auto insurance you need. Drivers in the Burlington, NC area have discovered they can put their trust in our team. Call us today and let’s talk about car insurance.

Does Home Insurance Cover Boats On The Property?

Posted on by

Homeowners’ insurance can cover damage to your property, including your home and its contents, within certain limits. This coverage often extends to other items on your property, but does home insurance cover boats on the property?

Covered Events

Many policies cover certain items on the property, such as automobiles and boats, if the damage is from a covered event in Burlington, NC. For example, if the boat is damaged in a tornado, but your policy specifically excludes tornadoes, it won’t cover the damage to the boat.

Specific Exclusions

Many policies at Don Allred Insurance cover various items on your property, such as boats or outdoor furniture. However, others specifically exclude items that can have separate insurance. Insurance companies may exclude boats and recommend that homeowners obtain boat insurance instead.

Coverage Limitations

Although some policies will cover boats damaged on the property, there are almost always coverage limits to consider. Most insurance companies will use 10% of the home’s value as a maximum coverage amount for items like boats. This may be enough to replace a small boat, but it won’t cover larger vessels.

What are my Home Insurance Options in North Carolina?

Standard homeowners’ insurance won’t help replace a large boat. However, insurance companies may offer boat insurance so you can park your yacht in a nearby marina. They may offer additional coverage to ensure you have tranquility. Many companies will work with you to help you get the coverage you need.

We understand the importance of protecting your boat and your finances. Experienced agents at Don Allred Insurance can help you get the coverage you need. Contact us to schedule an appointment today. We’re currently serving the Burlington, NC area.

The Importance of Understanding the Differences in Life Insurance Policies

Posted on by

There are many types of insurance plans, but life insurance holds a unique significance as it is one of the last benefits you will ever use – if not the last. This makes it even more important to understand the different types of life insurance policies and what they offer. These are a few reasons why people in and around the greater Burlington, NC area turn to the friendly and professional team at Don Allred Insurance for all their life insurance needs and questions.

Understanding the Differences in Life Insurance Policies is Crucial

One of the benefits of life insurance is its versatility. Some life insurance plans, typically those classified as having cash value, can be used to borrow against, perhaps helping a child through college. Other standard policies are commonly used to assist with end-of-life planning, covering funeral and burial expenses, and other related end-of-life costs. This illustrates the vast difference in the types and benefits of different life insurance plans.

The good news is that experienced and helpful agents are available to help people figure out their life insurance goals and, most importantly, get the right life insurance plan to meet their needs. That’s why people from all around Burlington, NC, rely on the Don Allred Insurance team when it comes to securing the right life insurance solutions.

Find Life Insurance Solutions in Burlington, NC

Do you live in Burlington, NC, or the surrounding area? Do you have questions, or would you like to learn more about life insurance for you and your family? We can help. Contact us to learn more and let our team of caring and knowledgeable agents help you get the life insurance solutions you need and deserve at Don Allred Insurance today.

Health Insurance Basics: What You Need To Know

Posted on by

Understanding Health Insurance: Common Terms Defined

Health insurance coverage is a broad term that refers to insurance that covers medical expenses. You might have health insurance through your employer, or you might purchase it directly from an insurance company. Alternatively, you might be on government-funded programs like Medicare or State Pharmaceutical Assistance Programs. Regardless of how you obtain it, having health insurance coverage is crucial to prepare for unexpected health issues.

Health insurance comes in various policies, including comprehensive/major medical that covers hospital care, doctor visits, certain therapies and tests, and prescriptions written by your doctor. The experts at Don Allred Insurance, serving Burlington, NC, suggest familiarizing yourself with some common terms associated with your health insurance policy. Here are a few:

  • Deductible: This is the amount you pay before the insurance company starts to cover your care.
  • Co-Insurance: This is the amount you owe towards a claim after meeting your deductible. Some policies might also have an out-of-pocket limit, meaning the insurance company will cover 100 percent of your eligible claims after this amount is met.
  • Copay: This is the amount that you pay the provider or for prescriptions when you visit the pharmacy, doctor, or medical provider. This amount varies depending on the type of provider. For example, general practitioners usually cost less than specialists.
  • Open Enrollment is an annual period during which you can change your health insurance policy or company. Contact us to learn more about open enrollment.

Contact Don Allred Insurance Today

The team at Don Allred Insurance, serving Burlington, NC, is here to assist you with all your health insurance needs. Contact us today.

Auto Insurance May be the Most Reliable Aspect of Driving

Posted on by

Some people would rather drive to the mailbox than walk. Others, however, would never step inside a vehicle or drive if they didn’t have to. Accidents can happen anytime and to anyone, regardless of your feelings towards driving. That’s why drivers in the Burlington, NC area rely on the friendly and proven team at Don Allred Insurance for all their driving needs.

Auto Insurance: The Most Reliable Aspect of Driving

Whether you enjoy driving, must drive, or whether you’re an excellent driver or a subpar one, the right auto insurance solutions have you covered. Accidents are unpredictable by nature. From other drivers to unexpected road conditions or even critter crossings, auto insurance is the only reliable aspect of driving.

Reliability and the unpredictable nature of accidents make auto insurance practical. That’s a good reason why so many drivers from the Burlington area turn to the knowledgeable and friendly team at Don Allred Insurance when they have questions or need vehicle coverage. The roads are unpredictable, but auto insurance is not.

Auto Insurance Solutions for Drivers in the Burlington, NC Area

We can assist if you reside in or around the Burlington, NC area and have questions or need auto insurance for you and your vehicle. The road can be unpredictable, but you can always be protected with the right insurance solutions. Contact us to learn more at Don Allred Insurance today.

About Don Allred Insurance

Don Allred Insurance was established in 1977 to serve North Carolina residents by offering life and health insurance to individuals. Over the years, as services expanded, our objective stayed simple: to identify and minimize our clients’ exposure to risk. We do this by finding the best policy for each client based on coverage and price. As an independent insurance agency, we do not work for an insurance company, we work for you – and we prove it with our staff of professionals committed to providing highly personalized service.

Compare Insurance Quotes Online

At Don Allred Insurance we let you easily compare insurance quotes instantly online. See how fast and easy it is to compare North Carolina home and auto insurance rates today by visiting our "Compare Quotes" page.

Get Insurance Quotes

Don Allred Insurance

3001 South Church Street
Burlington, North Carolina 27215
Get Directions

Email an Agent
800-280-2230 main
336-584-8772 fax

Website Development by EZLynx® • Don Allred Insurance Copyright © . All Rights Reserved.