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Allen Insurance Agency

6835 Jordan Road
Ramseur, NC 27316

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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.

Why should a business obtain a commercial insurance plan?

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In the Ramseur, NC area, there are a lot of great factors that can make it a good place to own a business. If you want to be a business owner here, it is important that you are diligent and protect the organization. One of the ways that this can be done is by investing in the right insurance plan.

There are various reasons why a business owner will want to get a commercial policy:

Financial Protection for Business

A top reason for any business to get a commercial insurance plan is that it is an effective way to receive financial protection. There is always a chance that you could lose assets in a fire or other situation or that you could be found liable for an accident. If you are not insured, this could lead to a serious financial setback. However, when you have a commercial insurance plan, you will have the coverage needed to protect your finances. 

Meet Obligations

It is also a good idea to get a commercial insurance plan so you can meet your obligations. Most businesses will have obligations to carry insurance. If you have taken out a loan, raised outside capital, or signed various other contracts, you will have specific requirements for coverage. When you get a commercial insurance plan, it will ensure you remain supported and stay in good standing. 

Allen Insurance Agency Is Here To Help

It is clear that you need to have a commercial insurance policy when you are in the Ramseur, NC area. When you are looking for coverage, it can be helpful to call our professionals with the Allen Insurance Agency. We know how important it is that you get the right insurance for your company and we can ensure you build a plan that is ideal for your situation. 

Are Home Insurance Claims Public Record?

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The short answer is, yes. Your home insurance claims are indeed a public record, not only in Ramseur, NC but nationwide. Our team of insurance experts at Allen Insurance Agency can help you get up to speed with policy transparency for your home.

Generally, only the involved parties may access the complete and updated policyholder’s insurance records. The insurance vendor and policyholder are the involved parties in this scenario. Both parties fall under the protection of the F.A.C.T Act for their right to pull information. When a concerned party wants to access the record, they may request a copy of the policy.

Insurance vendors have no right to disclose details to unrelated parties apart from as prescribed by regulatory bodies.

C.L.U.E.

C.L.U.E. refers to a database that contains past claims filed by policyholders. C.L.U.E. enables insurers to calculate the risk factor when considering customers. Over five years, C.L.U.E. stores details on the customer’s SSN, the address of the property, and additional information on the homeowner’s insurance claims.

As this database holds information that could potentially increase the customer’s premiums, under federal law, the policyholder is allowed to contest data stored there. Thus, the insured party should have access to the C.L.U.E. data storage where applicable. They may also dispute inaccurate or misleading details found in the database.

The policy becomes a public record because it is presentable upon request by prospective buyers. It is, however, important to note that only the policy holder and the insurance vendor can release the C.L.U.E. copy to the realtor or prospective buyer.

C.L.U.E. is mainly useful to:

  • Insurance firms as it helps them identify threats when issuing policies
  • Potential homebuyers as it reveals the extent of damage and level of care applied to the property by previous owners

Give Us A Call

To learn more about insurance transparency in Ramseur, NC, do not hesitate to contact Allen Insurance Agency Whether you are looking to buy or curious about your data, we have you covered.

What Is Personal Liability Insurance In Regards to Home Insurance?

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One of the important elements of a home insurance policy is the personal liability insurance that the policy provides. At Allen Insurance Agency, serving the greater Ramseur, NC area, we have found that many homeowners have no idea what personal liability insurance is and how important it is in regard to their home insurance policy. Follow along as we provide more information about personal liability insurance. 

What Is Personal Liability Insurance In Regards to Home Insurance?

If someone is injured in your home or on your property, they may be able to file a personal injury lawsuit against you. Personal liability insurance helps to cover the costs associated with defending that lawsuit or paying a settlement to the injured party. Essentially, personal liability insurance helps to cover the legal costs and settlement, within the coverage limit you select, ensuring the money does not come out of your pocket or your bank account. 

Why Is Personal Liability Insurance So Important? 

Personal liability insurance is so important as it helps to financially protect you. People file frivolous lawsuits all the time, and these lawsuits can cost a lot to defend against. Also, accidents happen, and if an accident happens on your property, personal liability insurance helps to cover the costs associated with the accident, so you are not financially liable for legal fees and damages that need to be paid due to these accidents. 

Contact Us Today

The right insurance products will cover you and the investment you have made in your home and property. The insurance agents at Allen Insurance Agency, serving the greater Ramseur, NC area, want to help you find the best insurance products for your needs. Give us the opportunity to help you by scheduling an appointment with us today. 

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