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Allen Insurance Agency

6835 Jordan Road
Ramseur, NC 27316

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Auto Insurance Protects You When Disaster Strikes: Here’s How

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We all know that auto insurance covers you and your car when an accident happens. But did you know that comprehensive auto insurance can help after a natural disaster strikes?

It’s true. Comprehensive coverage from the Allen Insurance Agency can protect you from the financial losses that natural disasters like earthquakes, hurricanes, wildfires, and floods cause. It’s because this type of policy helps you when your car gets damaged because of animal impacts, vandalism, theft, broken glass, and other events where another car wasn’t involved.

What is Comprehensive Insurance?

Think of it as having bad luck coverage for your vehicle in Ramseur, NC. Comprehensive auto insurance is an optional component of your total package. It covers your car when random events like this happen:

  • Someone steals your car keys
  • Someone keys or spray paints your car
  • Garage fire
  • Engine fire
  • Your pet chews the wires in your car
  • Chips or cracks appear on your windows
  • Riots

What It Doesn’t Cover

While comprehensive coverage will protect you from many things, it won’t protect you from everything that happens in Ramseur, NC. Some of the things this type of coverage won’t cover are:

  • Legal fees
  • Wear and tear repairs
  • Loss of income because of an accident
  • Medical treatment and/or injuries
  • Personal property in your car

Comprehensive auto insurance coverage will protect you when disaster strikes. But there is a catch. It’s not possible to buy comprehensive coverage by itself. Most of the time, it’s sold as part of a package deal with collision coverage. Disregard if you’re getting full coverage, as it will come as part of the package.

To learn more about the pros and cons of comprehensive auto coverage, contact our experts at Allen Insurance Agency today. We’re ready, willing, and able to help you make the right auto insurance decision for your needs.

I have a small online business with no employees. Is commercial insurance a wise investment for me?

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Commercial or business insurance is designed to protect businesses from unforeseen circumstances as well as protect a business’s assets. Commercial insurance also provides liability protection which can help businesses who are at fault for any number of different issues. However, it’s a common thought for business owners to feel that commercial insurance isn’t necessary. However, if you have assets to protect, commercial insurance could be a wise investment. The team at Allen Insurance Agency is committed to helping Ramseur, NC business owners understand commercial insurance.

What is commercial insurance?

Commercial insurance is business insurance designed to protect businesses from unforeseen circumstances and provide liability protection as well. Even if your business is small, there are assets you should protect. For example, if you use cars to run your business, you can invest in commercial auto insurance. Commercial insurance can be structured to fit the unique needs of your business. 

I have a small online business with no employees. Is commercial insurance a wise investment for me?

Even as a small online business, you benefit from the protection that commercial insurance provides. If you sell products online, commercial insurance can provide liability protection if a product harms a customer. The benefits of commercial insurance are many. Many people would be ill-prepared to pay for a mishap out of pocket. Commercial insurance provides a much-needed safety net for many businesses of all kinds and sizes.

We Are Here To Help

If you have more questions regarding the benefits of commercial insurance, call us at Allen Insurance Agency in Ramseur, NC. We’d be happy to help you explore your options and answer all of your questions. 

Three Ways to Ensure Your Home is Insured Up to Its Value

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If you are a homeowner, it would be insane to not have insurance. This is especially true if you have a mortgage. According to the data firm CoreLogic, three out of five homes in the United States aren’t insured up to their total value. Many of them are underinsured by 20%. This would be a disastrous thing to find out if your Ramseur, NC home is damaged in a fire, flood, or some other disaster.

The following are three recommendations from us at Allen Insurance Agency to help you insure your home to its full value. 

Three Ways to Ensure Your Home is Insured Up to Its Value 

1. Review Your Policy Regularly

Don’t just set it and forget it when it comes to your home insurance policy. Review your homeowner’s policy regularly with your insurance representative. Things change all the time when it comes to laws and the value of your home. You should especially check if you have updated your home in any way or if your mortgage changed. 

2. Be Accurate

When you report the dimensions, layout, and different features in your home, be as clear and accurate as possible. You should also be accurate when reporting the valuables in your home as they are covered under most homeowner’s insurance policies. You may be tempted to underreport to keep your premiums low, but it will come back to haunt you in the long run. 

3. Include Any Renovations

Whenever you renovate or remodel a portion of your home, report it to your insurer. This always improves the value of your home and the changes may not be covered if you don’t include it specifically in your premium. Whenever you add a deck, alter your bathroom, or finish your basement, tell your insurance company. 

Schedule A Consultation Today

At Allen Insurance Agency, we are committed to providing complete homeowner’s insurance services to Ramseur, NC residents. Contact us today if you are concerned with your home’s level of coverage.  

What would happen if I do not have a full auto insurance plan?

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When you are in the Ramseur, NC area, you will continue to find that owning a car is beneficial. As you are looking to buy a car when in this area, you will also need to think about your insurance needs. There are a lot of things that could happen if you do not get a full auto insurance policy when here. 

You Will Face Financial Consequences

One thing that can happen if you do not carry an auto insurance plan is that you can face financial consequences. If you are involved in an accident, there will be significant costs that can come with paying for restitution. Further, if your car is stolen or damaged in any way, the replacement or repair costs can be high. If you do not carry an auto insurance plan, you will have to cover these costs out of your own pocket. 

Legal Consequences

You could also face some legal challenges if you do not have an auto insurance plan in place. If you want to drive a car legally in North Carolina, you will be required to carry liability insurance. If you do not have this as part of an auto plan, you can be penalized in various ways including having to face fines or lose driving privileges. 

Consult With Us

For those who are looking to get auto insurance when in the Ramseur, NC area, it is always a good idea to get the support and guidance from someone that you can trust. A great group to call when you are here is the Allen Insurance Agency. There are a lot of choices you need to make as you evaluate your insurance options and the Allen Insurance Agency will offer any help that you need to build and create a new policy. 

Four types of commercial insurance that you need

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Navigating the complex landscape of commercial insurance is crucial for businesses of all sizes. You may eventually need to rely on your commercial insurance to do anything from protecting against liability expenses to covering the costs of cybersecurity breaches at your facilities.

At Allen Insurance Agency, we can help you build a commercial insurance policy that meets all your company’s needs in Ramseur, NC.

The following are four types of commercial insurance that your company might need:

General liability coverage

General commercial liability coverage shields businesses from financial losses due to third-party claims of bodily injury, property damage, or advertising injury.

General liability coverage provides essential protection, covering legal costs and settlements. Carrying general liability coverage can help protect your business’s financial stability and reputation.

Business interruption coverage

Business interruption coverage safeguards businesses from financial losses caused by disruptions in operations due to covered events like fires or natural disasters.

This type of commercial insurance covers lost income and ongoing expenses. It therefore helps to expedite recovery after a business disturbance. Business interruption coverage ensures stability during challenging times.

Workers’ compensation coverage

Workers’ compensation coverage provides financial support to employees who are injured or become ill on the job. It covers medical expenses, wage replacement, and rehabilitation costs, fostering a secure work environment and ensuring the well-being of a company’s employees.

Cyber liability coverage

Cyber liability coverage safeguards businesses from financial losses resulting from data breaches or cyberattacks. It covers costs such as legal fees and crisis management expenses. Cyber liability coverage ensures protection against digital vulnerabilities.

Consult With Us

Get the financial protection you need for your business in Ramseur, NC. Our customized commercial insurance at Allen Insurance Agency shields your business from risks and uncertainties. Get a quote now and increase your business’s financial security!

Is Water Damage Ever Covered By Home Insurance?

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Finding water damage in your home is super stressful. In the event that you’re dealing with a burst pipe, a broken water heater, or flood damage, it’s important to know whether you’re likely to be covered by your homeowner’s insurance. At Allen Insurance Agency in Ramseur, NC, we’re here to answer all of your questions when it comes to homeowner’s insurance. 

Homeowner’s Insurance and Water Damage

Your specific policy will determine the limits of your coverage, and it’s important to talk with your insurance agent about any specific questions you have about your policy. Typically, standard insurance policies cover water damage when it comes from inside your home. For example, if your floor is damaged due to a leaking washing machine, it’s likely that you’ll be covered. An important note: while the damage is likely to be covered, it’s unlikely that the faulty appliance will be replaced by your insurance company.

Water damage that comes from outside the home is a different story, however. If the water damage in your home is caused by a flood, you’ll need to file a claim with your flood insurance company. Water damage issues caused by a homeowner’s failure to complete normal maintenance (such as failing to repair a drain that hasn’t worked properly for a long period of time) typically are not covered.

Reach Out To Us

When it comes to choosing a home insurance company, it’s important to ask the questions that matter. At Allen Insurance Agency in Ramseur, NC, we’re here to help. Reach out to us today to learn more about how we can help you rest assured that your home is protected. 

What Auto Insurance Does My Teenager need?

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Any parents who have teenagers starting to drive probably have mixed feelings of excitement and nervousness. While it’s an important milestone, you still want them to have everything they need.

Auto insurance for teenagers is critical. Fortunately, Allen Insurance Agency is here to ensure your teenage driver gets what they need in Ramseur, NC. Let us help you navigate what insurance your teen needs.

Adding Your Teenager To Your Car Insurance

When it comes to getting insurance for your teenager, it’s common practice to add them to your existing policy. When do you add them? Typically, the best time is when they receive their learner’s permit.

In North Carolina, you must be at least 15 years of age to be eligible for your learner’s permit. They need to be added to your policy during this time because they need to be legally covered before they are able to drive. Adding them during this time means you can ensure your teenager gets coverage in case of an accident. Teens who get added to your policy can benefit from having the same level of coverage as you.

You might also be wondering what coverage is needed for your teenage driver. Before you consider making any adjustments to your policy, our team of experts can help you understand what you need. It’s also recommended to have a teenager operate a car that’s easy to drive. For example, it might not be in your best interest to have them drive a large truck if they are just learning how to drive.

Contact Us For An Estimate

Are you thinking about getting auto insurance for your teenager in Ramseur, NC? Allen Insurance Agency is here to help navigate the process. Don’t hesitate to call us to get more information or if you would like a quote.

Types of Commercial Insurance

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At Allen Insurance Agency in Ramseur, NC, we offer commercial insurance to protect your business. Before purchasing commercial insurance, it’s important to understand the different types. 

Types of Commercial Insurance 

Commercial Property Insurance

Commercial property insurance provides coverage for your place of business and any structures that you use as part of your business or operations. This includes stores, manufacturing centers, warehouses, and offices. 

Commercial property insurance covers damage to the building and your property within the building. 

General Liability Insurance

General liability insurance protects your business from liability. This includes injuries that occur on your property and any damage to a customer’s belongings while at your business. 

It also covers reputational harm, including libel, slander, and false prosecution, and copyright infringement. 

Worker’s Compensation Insurance

If you have three or more employees in North Carolina, you are required to have worker’s compensation insurance. If an employee is injured on the job, this policy will cover lost wages and medical expenses. 

Business Interruption Insurance 

Business interruption insurance can help save your business in the event you can’t operate for a period of time. If your business is halted because of a covered event, this policy will cover the income you lose until you are up and running again. 

An example of this is not being able to open your store due to storm damage or vandalism.

Business Owner’s Policy

A  business owner’s policy allows you to bundle several types of policies. It typically includes commercial property insurance, general liability, and business interruption insurance. 

Cyber Insurance

Cyber insurance, also known as data breach insurance, covers your liability if a customer’s personal information is compromised. 

Reach Out To Us

If you need commercial insurance in Ramseur, NC, contact us at Allen Insurance Agency. We offer many types of commercial policies to meet all your insurance needs. 

How Often Should I Review My Home Insurance Policy?

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Most homeowners make the mistake of failing to evaluate their home insurance coverage on a regular basis and assuming that they are adequately insured in perpetuity. They are frequently surprised when a risk covered by their home insurance occurs, and they are not adequately paid. As a Ramseur, NC homeowner, you may avoid such surprises by examining your home insurance coverage on a regular basis.

Allen Insurance Agency recommends that you make it a habit to review your house insurance coverage during these times.

Before Renewing It

Most home insurance policies provide coverage for a year; but if you continue to pay your premiums, the insurance provider will automatically renew it. Before renewing your house insurance coverage, you should always take the time to review it. Check for any modifications to the terms of the house insurance that the insurer may have made, and increase the deductible to reflect your current financial situation.

When Property Prices in Your Area Rise or Fall

While many homeowners remember to reevaluate their home insurance policy when the value of their home increases, very few remember to do so when the value of their property decreases. When you review your house insurance policy when the value of your home rises, the insurer will compensate you appropriately. Failure to review your home coverage when the property value declines, on the other hand, means you will lose money by paying unreasonably high premiums. 

Every time you Remodel or Renovate

You should reevaluate your house policy whenever you alter or renovate your home. As a result, the improvements and remodeling you have done to your home will be covered by your insurance.

Reach Out To Us

As a homeowner in Ramseur, you should get home insurance because it is one of the top residential communities in North Carolina. Allen Insurance Agency in Ramseur, NC can help you with your home insurance requirements.

Safe driving tips for new drivers

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Driving is an essential part of life for many, but it is also a skill that should not be taken lightly. Being a new driver in the Ramseur, NC area can be exciting as well as nerve-wracking, so here are some important safe driving tips from us at Allen Insurance Agency to keep in mind.

Safe driving tips for new drivers

1. Always wear your seatbelt when you get into the car and make sure everyone else does too. This will help protect you in case of an accident. 

2. Make sure your vehicle is in good working order – check the brakes, headlights, and tire pressure regularly. 

3. Avoid distractions while driving such as talking on the phone or eating food. Keep your eyes on the road at all times! 

4. Obey all speed limits and traffic laws to ensure that you don’t put yourself or others at risk. 

5. Give other drivers plenty of space – don’t tailgate or follow too closely behind them. 

6. Plan ahead for any trips; map out a route beforehand so that you know where you’re going and how long it will take to get there safely. 

7. Don’t drive if you are tired or under the influence of alcohol or drugs – this can lead to serious accidents and injuries for all involved parties! 

8. Get plenty of practice before hitting the roads alone – make sure you understand the rules of the road and have experience with different types of roads and weather conditions before venturing out on your own. 

Don’t Be Without Auto Insurance

With these tips in mind, new drivers can stay safe on the roads while they gain more experience behind the wheel! You must also ensure your auto insurance policy is updated to best meet your needs. For more safe driving tips and to update your auto insurance policy, give us at Allen Insurance Agency a call today. We are proud to serve the Ramseur, NC area.

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