Benefits of Having Home Insurance

Posted on November 11, 2016 by AgentInsure

Buying a home in or neat Burlington, NC, is a wonderful accomplishment but if you have not considered how you will be protecting your investment, it is time to look at home insurance policies.

You may already be required to have a home insurance policy if you have a mortgage on your new home. However, if you do not have to have a policy on your home, you may want to consider it based on the benefits alone. These are some of the benefits you can enjoy when you have a home insurance policy:

You will be protected if someone gets injured on your property. A home insurance policy has a liability component that protects you if anyone were to be injured on your property. It can protect you from being sued in this type of instance.
Your home will be protected in case of an unfortunate event. If your home is vandalized, burnt down in a fire, or some other type of event you cannot control, your insurance policy will provide you with the funds to make the repairs. If you need a place to stay during the repairs, it will also pay for your housing.
Your belongings will be protected. Just like your home is protected, so are all of your belongings within the home. If your home is broken into and things are stolen, your home insurance policy will pay to have them replaced. The same is true if your belongings are lost in a fire.

If you are ready to look at home insurance policies, be sure to contact our office, serving Burlington, NC, today. Don Allred Insurance can take a look at a variety of policies to find the right one and also make sure we find one that meets your budgetary needs.

How a Cell Phone May Impact Auto Insurance Coverage

Posted on October 21, 2016 by AgentInsure

Every state in the nation now has some kind of rule or law on the books with regards to the use of a cell phone while driving. The changes have been driving by the increasing proliferation of cell phones in multiple aspects of life and people’s need to stay connected as well an increasing number of preventable accidents with deaths. And both traffic officers and courts are becoming less and less tolerant the longer the laws have been on the books.

What is not discussed enough is the effects on auto insurance coverage when a person is involved in a car accident while using a cell phone. It’s fairly easy for traffic officers to find out; a simple subpoena to one’s cell phone company will show any activity right down to the second, comparing that to the relative time of the accident and just before. When folks deny the use, they make the matter worse by being caught lying to a traffic officer. So the whole situation pretty much lands inappropriate use in the driver’s hands.

Insurance companies cover a lot of issues, but when a person knowingly breaks the law, it can technically breach a contract, allowing an insurance company to no longer be obligated to provide coverage in an auto policy. This obviously becomes a big issue in an accident with a lot of damage, injuries or worse. Even if a person is not arrested, the civil liabilities involved can be tremendous without coverage help.

Drivers should simply not use their phones period. That said, equipment is available to connect phones to a car’s to speakers and create a hands-free system is possible. For those in the Burlington, NC area, Don Allred Insurance can help with how insurance works and cell phone use ideas for travelers that are legal. Drive safe and keep coverage viable.

What questions should you ask about your home insurance policy?

Posted on October 13, 2016 by AgentInsure

For homeowners in the Burlington, NC area, choosing a home insurance policy is one of the most important decisions they’ll ever make. Fortunately, the agents at Don Allred Insurance know how crucial these policies are to your family’s safety and security. That’s why they encourage their customers to ask as many questions as possible before and after they buy a policy. These are some of the most crucial things to find out before you choose a home policy.

How much coverage would I have? While your policy limits should be fairly obvious, it’s important to know how much coverage you have for the contents, structure and other items. In some cases, there might be separate coverage limits for detached buildings, electronics, or jewelry.
What are my deductibles? It’s rare for a policy to just have one deductible. In fact, many people pay different amounts depending on the disaster that caused the damage. For example, hurricane deductibles are often higher than deductibles for damage caused by fire or theft.
What types of damage is not covered? Some policies will have specific exclusions for hurricanes, floods, sinkholes, or other events. If you’re not comfortable with this, ask your agent about riders that can be added to the policy to cover these specific events.
What items are not covered by the policy? Small electronics, jewelry, and other possessions can be excluded from coverage. It’s also possible to exclude coverage for structures on the property that aren’t attached to your house, such as a dock or shed. Again, ask your agent about a rider that would cover these exclusions.

If you live in the Burlington, NC area and you need to look into a new home owner’s policy, call the agents at Don Allred Insurance. They’ll take the time to answer your questions and find the policy that’s right for you.

Finding the Best Auto Insurance Policy for You

Posted on September 28, 2016 by AgentInsure

Everybody needs car insurance if they own a car. Not everyone needs the same level of coverage, though. It’s important to compare and contrast the policies and what they have to offer. Don Allred Insurance, serving Burlington, NC and the surrounding area, offers a variety of policies that are customizable to consumers’ needs, making it simple to compare.

1. Compare the Driver’s State’s Laws
To compare policies, the driver should evaluate his or her state’s laws. The insurance company will be able to explain the different laws and levels of coverage necessary.

2. Drivers Need to Determine the Extras
In order to compare the policies, the driver must determine what extras he or she would like on the policy such as extra bodily harm coverage or coverage on his or her vehicle.

3. Compare the Price
Although price shouldn’t be the first priority when looking for a policy, the driver has to consider what he or she can afford. Always keep in mind, the price doesn’t determine the quality level. Cheaper doesn’t mean less quality. Additionally, more expensive doesn’t mean better coverage.

4. Choose Coverage to Meet Asset Value
Generally, a driver needs coverage that covers at least the value of his or her assets such as the house and savings account amount. This prevents someone from suing and being able to take away the driver’s assets to cover the amount not covered by insurance.

5. Decide Between a High or Low Deductible
Drivers who choose a high deductible will get lower premiums. They just need to opt to pay repairs on their own. Opting for a lower deductible means paying more, but this alleviates the need for the driver to spend out-of-pocket after an accident.

To learn more about selecting a policy or open a new one, contact Don Allred Insurance at 800-280-2230 today.

Keeping Yourself Safe: Auto Insurance for You and Other Drivers

Posted on September 27, 2016 by AgentInsure

Insurance is really often less about the driver, and much more about the other drivers on the road. It’s good news to hear if you’re not at fault for an accident, but often difficult to swallow when you happen to be the one who made the mistake. Don Allred Insurance wants the people of Burlington, NC to know that there are options out there that can cover you from practically every scenario imaginable.

Keeping You Out of Court

Imagine that you’ve caused a major accident on the freeway that runs another car off the road and results in the other driver being injured. Depending on the extent of the damages, you may find yourself having limits imposed by your insurance company that do not fully cover the person’s car and medical bills. At that point, you can be sued by the other driver if you don’t come up with the money to pay for everything. While they may not be able to extract money you don’t have, they could take your current possessions to cover what you owe.

Giving You Options

Your own transportation is also incredibly important, and having insurance means that you’ll have more options for what you want to do if your own car is in the shop. From help with the bills to providing you with a rental car, having excellent auto insurance in Burlington, NC means that your safety will be taken care of beyond just physical considerations. Safety also means the ability to get to work, to pick up children and to keep a household running. Don Allred Insurance understands all of this, and can talk to you about having a policy that can make sure you don’t find yourself in a pick that you ultimately can’t solve. Give us a call if you’re wondering how you can make sure that you stay safer on the road.

3 Reasons you Need Home Insurance in North Carolina

Posted on August 15, 2016 by AgentInsure

A matter that should appeal to all homeowners universally, acquiring high quality home insurance should be a top priority. If you reside in the North Carolina area, please consider the following 3 reasons to acquire home insurance today.

Protection against Natural Disasters

One of the top reasons to acquire auto insurance is to protect your home from things such a natural disasters. In an area in which disasters such as tornadoes and flooding are commonplace, purchasing a quality home insurance policy is a great way to protect your home and family against such disasters.

Avoid Lawsuits

For those who are yet unaware, if someone slips, falls, or has any other unfortunate accident on your property you may be liable for thousands or even millions of dollars. However, by purchasing a quality home insurance policy, you can ensure that your home is covered in the event that such an incident should occur.

Peace of Mind

Lastly, like most types of insurance, home insurance is customizable. You can get as much or as little coverage as you desire and you can change it over time. If nothing else, this should provide peace of mind to you as a homeowner just knowing that a credible agency will be ready to step in as needed.

Overall, if you are looking for quality home insurance in the state of North Carolina, Don Allred Insurance is an excellent option. Offering quick quotes and friendly service from a well-trained professional, you can give us a call, stop by, or email us today to find out how you can begin your home insurance policy and save!

The Basics of Auto Insurance

Posted on August 8, 2016 by AgentInsure

Auto insurance is something that is required by federal and state laws to protect the interest of both the driver of the vehicle and the other drivers on the road. Though each state does require a different level of coverage, each state does require that a licensed driver that is operating a vehicle must have insurance on that vehicle in order to drive it legally.

Insurance coverages do differ according to what type of policy you have and what level of coverage you opt for. Don Allred Insurance can help you determine what insurance policy is going to be right for you and what policy you need to stay legal.

There are two basic types of insurance, the first is full coverage. This is going to cover the entire cost of replacing the vehicle in the case that it is totaled. It is also going to help cover repair costs and medical costs of those involved in the accident. If you have a loan out on the vehicle most loan agencies are going to require that you have full coverage so that you can continue to pay your loan even if the car is totaled.

The other type of insurance is liability insurance. Liability is going to help cover the cost of medical bills and a portion of the other person’s bills in the case of an accident. Most states require a specific amount of liability in the form of a monetary value around $20,000 for the other driver. This means that in the event of an accident, the bills of the other driver would be covered up to $20,000 at which point their own insurance would take over.

No matter what policy you choose having an agent on your side is going to make the selection process that much easier.

Life Insurance Effectiveness

Posted on July 22, 2016 by AgentInsure

When it comes to loved ones and taking care of them, there is nothing so solid as life insurance policies. Most people do not realize the significant value of a life insurance policy. Not only is it a practical way to ensure your family is well taken care of when you can no longer provide, it is also a source of peace. Choosing an insurance policy should be well thought out and every aspect of your needs should be considered.

At Don Allred Insurance, detailed descriptions are available regarding each type of life insurance policy. Customers may choose from term life insurance which covers life insurance for a limited time. For some people, this is the best type of policy. Others may want to consider a whole life insurance policy. This particular type of policy is covered as long as the policy owner remains in compliance with the terms. Don Allred Insurance agency is willing to help anyone with any questions regarding life insurance policy options, terms, and other additional details. Having life insurance for your loved ones will reassure them that they will be able to take care of funeral costs or outstanding health care bills and more if necessary. Being able to give peace to those you love once you are no longer physically here is an excellent way to leave a legacy behind. With this type of legacy, your loved ones will be able to find a way to have inner peace and less stress and their financial worries will be lessened. In addition, your family will be able to pay their respects in the best possible way since life insurance is set up to help with various costs. Bring your family peace through a policy that is easy to choose from and easy to maintain.

Contact Don Allred Insurance today to get your no-obligation life insurance quote.

What Are Risk Assessment Indicators and How Do They Affect Homeowners Insurance?

Posted on June 21, 2016 by AgentInsure

Risk assessment indicators play a huge role in the amount that you are quoted for a homeowners insurance policy, and ultimately, how much you end up paying. But this may leave you wondering what a risk assessment indicator is and how it plays into your home insurance costs. Here are a few answers to the questions you may have.

What is a Risk Assessment Indicator?

A risk assessment indicator is how much risk the insurance company has for something happening to your house. This can be based on where you live and your risk for hurricanes, floods, fires or other natural disasters. Or it could be based on the amount of crime in your neighborhood. It can even be based on your sex and marital status. After all, single women may be more likely to have their home broken into than men.

How Does My Risk Assessment Indicator Affect My Insurance Price?

The more indicators you have, the higher your insurance policy will be. If you live in an area that is prone to flooding and high crime, you will pay more than someone who isn’t at risk for flooding and lives in a low crime neighborhood. This is because it is less-likely the insurance company will have to pay out a claim.

Can I Lower My Risk Assessment Indicators?

There are things you can do to offset some of your indicators. For example, installing a home alarm may help to lower your insurance costs. Talk with your insurance representative to find out what you can do to offset your indicators.

If you live in the Burlington, NC area, and are interested in learning more about risk assessment indicators and how they are affecting your homeowners insurance, give Don Allred Insurance a ring. We can help you look at what may be driving your home insurance up and find ways to keep it affordable for you.

Keeping Your Home Green: Recycling Home Items in Burlington

Posted on May 11, 2016 by AgentInsure

When trash day comes around, don’t you wish you had a little less on your lawn? Chances are, you’ve felt guilty in the past for contributing to the world’s waste problem in the past. Whether you weren’t sure or just didn’t want to go down to recycling center in your neighborhood, these are habits that should be changed. Here’s a reminder of what you can recycle when you’re looking around your home for what to get rid of.

All Your Paper

Paper comes in many forms, and there are too many cracker boxes and books left out by the side of the road. Your paper plates and towels can either by recycled or composted as well, so don’t make this mistake after you have a party that leaves you with several days worth of leftover paper products.

Lots of Your Food

Speaking of composting, there are too many raw fruits and veggies getting thrown away. Apple stems, seeds and even most cooked plant matter will make excellent nutrients for your garden, and you can feel good that you’ve found several uses for what you’ve already bought.

Clothing

Even old ratty underwear can be recycled with the technology we have today, so definitely find out if you have something in your area that will allow you to recycle fabric. For anything else in good shape, there’s always donation centers around you that would be happy to take it off your hands to help someone in need.

Your Home Is Important

That’s why Don Allred Insurance serving Burlington, NC wants you to have a homeowners policy that works for you. Call us if you need a quote or have any questions about getting the right coverage for your home to protect you and your family.

HOW CAN WE HELP YOU?

Don Allred Insurance

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