Auto insurance can cover many different things. However, the type of auto insurance you carry and the damage your car sustains will determine many things. Our Burlington, NC team at Don Allred Insurance understands that auto insurance coverage can vary from policy to policy depending on the type of coverage. Our agents are committed to taking the guesswork out of what’s covered under different policies.
Typically, a standard auto insurance policy wouldn’t cover flood damage to your car or property. This is why many people are encouraged to purchase flood insurance if they live in areas prone to flooding. Your auto insurance will not cover your flood-damaged car. This may be surprising to many people who think that any damage to your vehicle would be covered under your auto insurance policy if you’ve purchased coverage for damage to your car. However, the damage your vehicle sustains often determines whether it will be covered or not. Flood damage isn’t covered. However, flood insurance will cover the repair of your flood-damaged car. This is surprising to many car owners. Auto insurance can be personalized to suit your unique situation. You can ask an insurance agent if a flood addendum could be an option if you don’t want to purchase flood insurance. However, not all auto insurance companies have a flood addendum as an option.
If you have questions about the type of damage covered under an auto insurance policy and your options, call us. One of our agents would be happy to explore your options and help you get the coverage you need most.
If you own your own home, a multitude of things can threaten that home and put your investment in your home at risk. If you own a house and don’t have a home insurance policy, you need to get one immediately. Most of the time, home insurance is required for homeowners. The mortgage lender you choose will likely require you to have a home insurance policy in place before you can close on the home. If your home is within a homeowners’ association, the HOA will require you to have this insurance. To get it and protect yourself against many risks in Burlington, NC, call us at Don Allred Insurance.
Protection for the Home
Your home is one of the most significant investments you will ever make. You need a home insurance policy to protect it against many potential risks. This protects the home against events that can damage it, such as some types of calamities and disasters. When these occur and cause damage to the house or even destroy it, the home insurance policy will pay for the repairs or the rebuilding of the home. This can save you many thousands of dollars on repairs and make it possible for you to get the repairs you otherwise wouldn’t be able to afford.
Protection for Possessions
Your possessions often represent your second-highest investment. Everything you own may be in your home, which could all be damaged or destroyed in several types of incidents. Home insurance will pay to replace or repair these items so that you can return to your life after a damaging occurrence.
Get Home Insurance
If you are buying a home and need a home policy, call us at Don Allred Insurance in Burlington, NC.
Being correctly covered with insurance is essential for anyone in the Burlington, NC area. While there are a lot of important forms of coverage to obtain, having a life insurance plan should be a top priority. As you are looking for coverage, you will find there are a lot of choices to make. There are several tips to follow to ensure you select the right plan.
One of the choices you will have to make when building a life insurance plan is the type of insurance. There are various types of life insurance to consider, which often include a term or whole life coverage. A term life insurance plan is ideal for many as it offers more affordable premiums. However, whole life can be a great option as it will give coverage for the rest of your life and provides additional investment benefits.
Determine Coverage Needs
You will also want to spend time considering the amount of coverage you need to have. Building a plan that will provide you with enough coverage to meet your needs in the future is very important. It would help if you considered all the financial costs that your dependents could incur, including higher education, housing, and even retirement. This assessment should help you come up with the amount of coverage that you will need to have.
If you are going to build a life insurance plan in the Burlington, NC area, it would be helpful for you to call the team with Don Allred Insurance. If you call the team with Don Allred Insurance, you can get the support necessary to evaluate your options and build the right policy. This can give you the comfort you need to know that you have a proper life insurance plan.
Many young people believe that health insurance is for older or unhealthy people. However, nothing could be further from the truth. Investing in health insurance at a young age has many benefits. Early investment in health insurance usually means you can lock in better rates. Our team at Don Allred Insurance is dedicated to helping young Burlington, NC residents understand the benefits of health insurance.
What is Health Insurance?
Health insurance pays for the partial cost of your healthcare. This includes preventative medical care as well as care for your illnesses. Some preventive services are usually included as free services in many health plans. Health insurance pays some of the cost of routine and emergency care and treatment for chronic illnesses. What is covered under a health insurance policy will vary depending on the insurance company, policy, and plan.
Health Insurance can Benefit Young People.
Even young, healthy people can’t predict the future. You could have a car wreck and sustain injuries that require care beyond what you can cover out of pocket. Health insurance makes unexpected medical expenses much more affordable. Plus, health insurance also includes free or low-cost preventative care. This can include vaccinations, annual exams, and more. It’s also a well-known fact that you’ll lock in better rates for health insurance as a young person. This fact alone makes health insurance an excellent option for young people who plan on investing in health insurance later. Investing at a younger age makes it more affordable. Another benefit of health insurance is investing at a level that fits your current lifestyle. There are different levels of coverage. As a young person, you can invest in minimal health insurance that fits your lifestyle and age and increase it as you age. If you have questions about health insurance as a young person, we can help. We’d be happy to discuss the benefits of health insurance.
If you rent a home, you may wonder if you need to purchase home insurance. The answer to this question depends on a few factors, including your rental agreement and the value of your belongings. This article will discuss whether or not renters need home insurance and what factors you should consider when deciding.
The Type of Rental Agreement You Have
If you rent a home, you’ll likely have one of two rental agreements: a lease agreement or a month-to-month agreement. A lease agreement is a contract between you and your landlord that stipulates the length of time you’ll be renting the property and other terms and conditions. On the other hand, a month-to-month agreement does not have a set end date and can be terminated with 30 days’ notice by either party.
If you have a lease agreement in Burlington, NC, your landlord may require you to purchase home insurance from a reputable company such as Don Allred Insurance. This is because, under a lease agreement, you’re responsible for any damage you cause to the property. However, if you have a month-to-month agreement, your landlord is typically responsible for any damage to the property, and therefore you may not need to purchase home insurance.
The Value of Your Belongings
Another factor to consider when deciding whether or not to purchase home insurance is the value of your belongings. If you have expensive items, such as jewelry, art, or electronics, you may want to insure them in case they are damaged or stolen. However, if you do not have any valuable items, you may not need to purchase home insurance.
Don Allred Insurance in Burlington, NC is here to help if you’re still on the fence about whether you need home insurance as a renter. We’ll work with you to determine what kind of coverage makes the most sense for your situation and budget. Give us a call today.
What is the minimum amount of auto insurance required by law? This is a question that can be difficult to find an answer to because the requirements vary from state to state. In this blog post, we’ll provide a general overview of the minimum amount of car insurance required in each state. Keep in mind that you should always consult with an attorney or your state’s Department of Motor Vehicles to get accurate information about the specific requirements in your area.
Minimum Requirement In North Carolina
In Burlington, NC, the minimum amount of auto insurance required by law is $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. However, it’s important to note that these are only the minimums required by law. You may consider carrying additional coverage to protect yourself financially in an accident.
What Insurance Covers Are Mandatory?
In most states, two types of coverage are mandatory: bodily injury liability and property damage liability. Bodily injury liability covers the medical expenses and damages incurred by the other driver and their passengers if you’re found at fault for an accident. Property damage liability covers repairing or replacing the other driver’s vehicle if you’re found at fault for an accident.
While these two types of coverage are typically required by law, some states require drivers to carry uninsured/underinsured motorist coverage. This type of coverage protects you financially if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
A professional insurance company such as Don Allred Insurance can help you find the right auto insurance coverage for your needs.
Burlington, NC is a great place to call home. When you’re ready to shop for auto insurance, contact the experts at Don Allred Insurance. They’ll be able to help you find the coverage that’s right for you and your budget.
Don Allred Insurance serves the Burlington, NC community. For over 30 years, we have helped our clients find the policies they need to protect their assets. We are an independent agency. We work closely with several carriers throughout the South. We offer flexible policies that adapt as your needs change.
How Severe Weather Impacts Auto Insurance
Operating a vehicle is a relatively high-risk endeavor. You have to navigate tricky road conditions and the behavior of other drivers. Auto insurance covers you while you travel around Burlington NC. Collision coverage protects you if your vehicle makes an impact with another vehicle or object and damages occur. If you are ruled to be responsible for the damages, liability coverage protects you. You can add comprehensive coverage, which protects your vehicle in unique ways. You are covered if your vehicle is stolen or vandalized.
The South is known for constant streams of inclement weather. Strong flooding, hurricanes, and tornadoes are a constant threat. Comprehensive coverage generally protects your vehicle if it is damaged by severe weather. Hail and lightning have the ability to crack your windshield. Comprehensive insurance will cover those damages. You are also covered if high winds damage your vehicle. If an earthquake may happen in the area, you can add earthquake insurance for another layer of protection. Also, consider adding umbrella insurance. Fatal accidents often occur when people are driving in severe weather. If you are responsible for causing a serious wreck, umbrella insurance can protect your assets. Roadside assistance is also an asset. If you are stuck on the road during a storm, you can receive urgent service.
Don Allred Insurance Will Help You Protect Your Assets
Visit our website to learn more information about auto insurance.
If you are shopping for insurance, you may already have some idea of the coverage options. You may have heard about roadside assistance, which is a tool that may become necessary in certain circumstances.
Don Allred Insurance serves Burlington, NC, offering roadside assistance and other coverage options. These are just a few of the times when roadside assistance may be more than useful.
Your Tire Popped
A popped tire can impact your entire trip, leaving you with few options (especially if you don’t have a donut ready to go in your trunk). A professional can come out to change your tire or tow your vehicle so you are not stuck on the side of the road.
You Ran Out of Gas
If you run out of gas, you can count on roadside assistance to bring you fuel so you can get back on the road in no time. Fuel delivery can get you out of a tight spot so that you can get yourself out of harm’s way from the side of the road. You’ll be able to get to a gas station to fill up your car and head home.
Your Battery Is Dead
A dead battery does not have to leave you stranded in the dark after work. Roadside assistance juices up your battery so you can hit the road again.
Get Roadside Assistance Today
Don Allred Insurance provides roadside assistance for many drivers in Burlington, NC. If you have questions about roadside assistance, call our office today to ask questions about your insurance options. You will feel better knowing you are not alone on the road.
If you drive in North Carolina, there are many types of coverage that you need to have in order to be compliant with the law. These types of insurance protect you against a number of issues that can come up after an accident, and they keep you on the road legally. If you don’t yet have aunt insurance or want a new provider, give us a call now at Don Allred Insurance in Burlington, NC.
Liability Insurance Types
Bodily injury liability and property damage liability are both required by the state. Bodily injury includes at least a minimum amount for one person who becomes injured in an accident that you are responsible for. Another amount is mandated for everyone who was injured in the accident. Another type of liability coverage required is property damage. This includes a specific minimum amount for the property damage that is caused to another person’s vehicle, building, etc., in an accident that you caused.
Two Types of Uninsured Motorist Coverage
This type of coverage is required in case an accident with you is caused by someone without auto coverage. This includes a minimum amount required for property damage to your vehicle, home, etc. Another amount is required for bodily injury that is for one person. A separate amount is required for everyone who was injured in the accident with the uninsured motorist.
There are also optional coverage types that you can get to be even better insured. Collision insurance pays for your property damage if you cause an accident and your vehicle is damaged. You can also choose comprehensive insurance, which pays for a number of things that can happen to your vehicle when you’re not driving it.
Get Your Auto Coverage
When you need auto insurance, you can give us a call at Don Allred Insurance in Burlington, NC.
For many college students, this is the first time in life that they are making their own insurance decisions. If you are a college student and you want to make the best decisions about your auto insurance policy, Don Allred Insurance understands your needs. These tips will help you choose a Burlington, NC insurance policy that meets your needs.
Learn the Basic Terms
It is important that you first learn the basic terms associated with auto insurance. You need to know the different types of coverage options and what they cover so that you can buy a policy that benefits you. This means you need to understand liability insurance, which covers damage you cause, and comprehensive insurance, which covers damage to your car not caused by driving.
Consider How Often You’ll Use Your Car
Many new college students overestimate how often they will use their vehicles. You may be able to save money by choosing a policy that assumes you will be leaving your vehicle at your parent’s house throughout the school year, for example.
Ask Your Insurance Agent About Student Options
For many students, getting good grades can pay when it comes to car insurance. Make sure to ask your auto insurance professional about any options that are specific to college students, as they may help you decide which policy is right for you.
When you do need to find the right auto insurance for your needs, Don Allred Insurance will be there for you. We help many Burlington, NC students and drivers find what they need. Contact our office today to learn more about college students and auto insurance.