Personal Insurance  

HOMEOWNERS INSURANCE . . .

Homeowners insurance protects your property - both your house and things in it - from losses due to fire, wind, theft, and a whole lot more. Homeowners Insurance also covers you for property damage or injury to others for which you or other family members may be held legally liable.

CUSTOMIZED INSURANCE FOR YOUR NORTH CAROLINA HOME

There are several standard parts of homeowner insurance coverage, but there are even more ways to customize home insurance policies to make sure you get maximum credits and the right insurance coverage for your home in North Carolina. We can customize your home insurance policy for home business occupancies, special collections, important art or jewelry, and more.

Let one of the home insurance agents at Younts Insurance Agency assist you in tailoring a homeowners policy that is right for you.

Contact us today for a free review and insurance quote for your homeowners insurance!

PERSONAL AUTO INSURANCE . . .

All North Carolina residents need to protect themselves should their car or truck be damaged or stolen. Even more important is insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. That's where the value of an independent insurance agent comes in. We can help you sort out property damage, liability, and other insurance policy features like medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver.

There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.

SAVE ON INSURANCE PREMIUMS WITHOUT SACRIFING PROTECTION

Younts Insurance Agency represents several top rated car insurance companies so we can help you sort through your options and get you multiple auto insurance quotes, all right here in one place. We're also experts in getting you car insurance discounts, including deductible, safe driver, safety equipment, homeowners credit, safety features, and more.

Contact us today for a free review or insurance quote for your personal auto insurance.

MOTORCYCLE INSURANCE . . .

There are few things as exhilarating as riding a motorcycle on a warm, sunny day. With the feeling of freedom, the last thing you need is to be shackled with high motorcycle insurance premiums or worries about adequate protection.

GET MULTIPLE QUOTES FOR MOTORCYCLE INSURANCE, ALL RIGHT HERE

Younts Insurance Agency can insure your bike with a quality insurance policy at competitive rates. Our access to several motorcycle insurance companies allows us to get competitive rates all while getting you on the road quickly. We can provide multiple quotes on collision coverage and damage to your bike, liability coverage for bodily injury, liability coverage for property damage, theft and vandalism coverage, and medical payments.

Contact us today to speak to one of our motocycle specialist and receive a free insurance review and insurance quote.

PERSONAL UMBRELLA . . .

Personal umbrella insurance provides extra coverage above the liability coverage in home, auto, and other personal insurance policies. These policies usually carry liability limits of $100,000 or $300,000, but is that enough? Umbrella insurance adds a layer of coverage of $1 million, $2 million or more, and it isn't just for the ultra-wealthy.

A short hospital stay can easily exceed $100,000 and long-term rehabilitation and loss of income can also get into six-figures quickly. If someone is injured in a car accident and you are at fault, or a guest is injured in your home or on your property, monetary damages can add up quickly. You should think seriously about adding umbrella insurance to your personal coverage if you own a home, have teenage drivers, have a significant income or future earnings potential, own a business, or own a boat, RV or motorcyle.

Those are just a few situations that call for extra liability insurance protection, but there are more. To learn those, contact an umbrella insurance agent at Younts Insurance Agency today!

PET INSURANCE . . .

Affordable pet insurance makes certain the adventures with your dog or cat are good ones.

Pet insurance provides financial benefits similar to human health insurance...even though insurance for our cats and dogs isn't the first thing we think about when our pets come to mind. Dogs live an average of 11 years, longer for small breeds and the average annual cost of dog ownership typically ranges from $700 to $3,000 a year.

Cats live even longer, averaging 12 to 14 years, and the total cost of cat ownership, over the lifetime of your pet ranges from $4,500 to $18,000. Veterinary wellness care, special diets, medication such as spaying and neutering, let alone emergency surgical procedures, make up 30% to 50% of those cots.

Pet insurance can take the financial uncertainty out of pet ownership, contact us today for a quote or more information!

RV INSURANCE FOR RECREATIONAL VEHICLES . . .

Your RV is your home on wheels, so it needs special insurance coverage and Younts Insurance Agency has it for you. Your recreational vehicle may be a camper, trailer, or a motor home - it doesn't matter - we have the right insurance coverage for you because, as an independent insurance agent, we represent several RV insurance companies and can prepare several insurance quotes for your consideration.

You can also choose from several optional insurance coverages, such as roadside assistance, emergency assistance, custom equipment coverage, and more. And, of course, RV insurance includes all the standard insurance protection you come to expect in an auto insurance policy.

Contact one of our RV insurance specialists today to learn more about your options and to get a quote. We want to keep you searching for adventure!

SNOWMOBILE INSURANCE . . .

Today, only a few states require liability insurance before you can own and operate a snowmobile. However, even if insurance is not required by law, having liability, physical damage, and comprehensive coverage could save you thousands of dollars in the event of an accident. Our access to top rated snowmobile insurance companies provides us with the ability to find the most affordable and comprehensive policy so you can get back to what you enjoy most.

Liability insurance for snowmobiles is similar to the liability insurance you have for your car. It provides insurance coverage if you injure someone while riding your snowmobile as well as property damage you may cause in an accident. Whereas, physical damage and comprehensive coverage cover damages to your snowmobile, either in an accident or by say, a falling tree.

There are other insurance coverages worth considering for your snowmobile, including uninsured/underinsured motorist coverage and roadside assistance. Contact us today for a quick comparative quote and let us help you consider the options that are right your insurance protection.

TRAVEL INSURANCE . . .

Remove uncertainty and anxiety from your travel plans.

Travel, whether for business or pleasure, can often require a significant outlay of cash. We travel for opportunity, relaxation, and adventure, but when cancellations, missing luggage, medical emergencies or other unforeseen misfortune crops up, the pleasure of travel can take a 180 degree turn. We can help remove some of the anxiety that would otherwise accompany vacation, overseas or business trips with travel insurance that fits your plans.

Contact us today for a free review and insurance quote.

TRIP CANCELLATION INSURANCE . . .

Business and personal trips can be cancelled (or delayed, which can be just as bad) for a variety of reasons: airline cancellations or delays, medical emergencies, evacuation, or an illness or death in the family. The costs of trip cancellation can be significant including forfeited deposits or penalties for cancelled hotel and travel reservations. Adding trip insurance for those adventures which matter to your wallet most, can give you the peace of mind you deserve for your time away.

Contact us today for answers to your trip cancellation insurance questions and a free quote!

 

Additional Products

PERSONAL PACKAGE . . .

Insurance that packages coverage for your car, home, and other personal insurance needs can save North Carolina residents and drivers in many ways.

Premium Savings - Insurance policies that combine auto and homeowner coverage also includes automatic discounts.

Time Savings - One bill, one set of policy documents; instead of two, five, or more - meaning fewer things for you to keep track of.

Better Insurance Coverage - Coverage upgrades are built in and one deductible means fewer dollars out of your pocket when car and home damage occurs in the same loss incident.

Contact us today to learn more or to get a proposal for your family's car and home insurance needs. We can provide multiple insurance quotes, with different coverage options for several top rated car and home insurance companies.

ANTIQUE, CLASSIC & CUSTOMIZED AUTOMOBILE INSURANCE . . .

Not all auto insurance policies are created equal and that is especially true if you are looking for the right insurance for a restored or collectible vehicle. A standard automobile policy usually pays for vehicle damage under the comprehensive or collision part of the insurance policy, but claim settlement is usually for actual cash value (ACV) - the cost new less depreciation. Obviously this approach isn't the best one to take when insuring a classic car.

That's why our agency recommends special insurance coverage for the stated value of your special automobile or truck. Some other common considerations that you may want to consider when we discus insurance for your classic car:

Are the actual miles you drive your collectible car limited?

Will you need coverage for spare parts?

Do you want to use a special repair shop for any insured damage to your auto?

Will you need transportation while your car is being restored?

Contact us today with an insurance policy customized especially for your special vehicle needs.

ATV INSURANCE . . .

Insurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV insurance can fill these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV insurance includes liability, medical payments, comprehensive, and collision coverage, much like an auto insurance policy.

CONDO INSURANCE . . .

Condo insurance covers your property from the outside walls in, your property both at and sometimes away from your condominium, and provides you with liability insurance as well.

Very similar to a homeowner policy, a condo owners' policy cn be customized in a variety of ways depending on your needs. You aren't required to carry insurance for common areas or the outside of the building but your condo owners' association may have special requirements, so it's a good idea to review those.

DWELLING FIRE INSURANCE . . .

Dwelling fire insurance is designed to insure residences you own or have a financial interest in. Common situations calling for this type of insurance include rental homes, homes that are vacant because they are temporarialy uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations, insurance protection is needed for the building but typically not for any contents. Libaility insurance for the property can sometimes be added or may be handled by alternative approaches.

EARTHQUAKE INSURANCE . . .

Property insurance policies - both for home and business - are designed to cover a lot of perils, like fire and theft. However, property insurance policies are not designed to cover potentially catastrophic events like earthquake and this coverage is specifically excluded from standard policies. Even though people in the U.S. live near fault lines, damaging seismic activity is infrequent and hard to predict. We may experience a devastation in the U.S. in our lifetimes, or we may escape earthquakes here for generations to come.

Earthquake insurance can be endorsed, or added, to a home insurance or property insurance policy. Earthquake insurance rates vary with the type of building construction; wooden structure because they will flex in a mild earthquake, have lower insurance rates than brick structures.

Earthquake insurance policies usually have higher deductibles - typically 10% to 25% of the building insurance amount - and often separate deductibles will apply for the building structure, building contents, and detached structures, such as bulkheads, sheds, and garages.

FLOOD INSURANCE . . .

Flood insurance isn't just for North Carolina residents who live in a designated flood plain. Flood insurance provides coverage for your property damaged through groundwater intrusion that is typically excluded from your homeowners policy. Most home lenders require flood insurance for property located in a designated flood plain. It can also be purchased by homeowners who do not live in a flood plain. Contact our office to speak with one of our flood insurance professionals to find out if flood insurance is a good idea for you.

HOME BUSINESS . . .

More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick one that's right for your business no matter how small, new or established.

IDENITY THEFT . . .

Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.

LANDLORD PACKAGE INSURANCE . . .

Landlord's face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a landlord package policy include: loss of rent resulting from an insured loss, buildings with one or several units, varied residential or commercial occupancies, legal liability resulting from the activities of tenants, and uninsured or underinsured repairmen. Even though landlord package insurance is primarily designed to protect you from loss to rental property, it can, and should, provide adequate insurance limits to protect your other assets from legal liability ariing from rental activities. Even though renting residences to others is a business activity, many insurance companies will treat the rental of four or fewer units as a personal insurance matter.

MANUFACTURED HOMES . . .

A home is a home, whether it is site-built, manufactured offsite, or a mobile home, but a homeowner insurance policy is really limited to insuring site-built homes. Fortunately, there is insurance specifically designed for your manufactured home and it includes all of the protection you would expect in a home insurance policy, including, your home, detached structures such as sheds, garages, and carports, your home's contents and your personal belongings, and liability protection for injuries that might happen on the premises of your residence.

There are numerous coverage options and discounts available so that your manufactured home insurance can be customized to your individual needs - allowing us to provide the right protection while minimizing your insurance premiums.

RENTERS INSURANCE . . .

One little policy does a lot. A renters policy covers the property in your apartment and, in some cases, out of your rental unit. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. You policy can be personalized to include greater levels of protection for important property, home office situations, and liability for boat ownership.

VALUABLE ITEMS INSURANCE . . .

Homeowner insurance coverage extends broad coverage for personal property but for some loss, and for some types of valuable items, homeowner insurance may fall short.

Special coverage can be added to your homeowner policy for items like jewelry, art, stamp or coin collections, cameras, furs, sports equipment, and more. The extra cost for superior insurance protection is usually nominal. Contact us today to speak with a valuable items insurance agent who can help you identify where your homeowners insurance policy might come up short and provide you with free quotes to insure your valuable items.