Are Raleigh Business Owners Required to Purchase Flood Insurance?

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State law doesn’t require Raleigh, NC business owners to purchase flood insurance. However, if you took out a loan to buy a commercial property, your lender will require that you carry this type of insurance. This is especially true if your business is in a part of the city that has a moderate to high flood risk. Raleigh is prone to flooding when heavy rains cause creeks and riverbanks to overflow their banks, and regular home and business insurance won’t cover flood-related loss or damage.

What’s Covered by a Commercial Flood Insurance Policy?

Commercial flood insurance covers damage to your business structure. This includes the roof, walls, foundation, plumbing, electrical wiring, and large appliances. Commercial flood insurance also covers your business equipment, inventory, furniture, and other assets stored on the premises. Additionally, it can cover the cost of cleaning your business after a flood and even provide compensation for upgrades you make to prevent future flooding. However, it doesn’t cover commercial vehicles or business assets stored on your premises. It also won’t cover the loss of important papers.

Commercial flood insurance also covers home-based entrepreneurs who store business assets inside their homes. A residential flood insurance policy will compensate for damage to the house and appliances, but it won’t cover business assets or inventory in the house. If these items are valuable and difficult to replace, you may want to consider purchasing a residential and commercial flood insurance policy.

Call Craig Insurance Group for More Information

Craig Insurance Group specializes in helping Raleigh, NC, business owners from a wide range of industries find commercial flood insurance that meets their needs and budget. Call us to learn more about your policy options or to get a quote on a specific policy.

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Do You Really Need Rental Reimbursement Coverage?

Posted on by Craig-Peterson Agency

If you’ve been shopping for car insurance in Raleigh, NC, you’ve likely come across rental reimbursement coverage as an option. 

But what exactly is it, and do you really need it? The short answer is yes—and for good reasons. 

Rental reimbursement coverage ensures that you’re not left scrambling for transportation while your car is in the shop after an accident. If you’re unsure about adding this to your policy, this article will give you all the information about rental reimbursement to help you make an informed decision. 

We’re breaking down what it is exactly, what it covers and how much it will cost.

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What Is Rental Reimbursement Coverage? 

Suppose you get into an accident, and your vehicle is damaged, and you have collision or comprehensive coverage as part of your auto policy. Great! In that case, the insurance company will pay to repair it. 

The average duration for a car repair after a collision is 11 days. This means that you will not have access to your car. Will you need transportation? 

Rental reimbursement coverage will pay the cost of your rental car, up to the limits of the policy.

How Does Rental Car Reimbursement Coverage Work?

If your car is damaged in a collision and needs repairs, rental reimbursement coverage allows you to rent a vehicle while your car is being fixed. 

Your insurance company will coordinate the rental, and the coverage will pay for it up to the limits specified in your policy. 

This way, you won’t be left without transportation during the repair period.

What Happens if Fault is Disputed?

If you and the other driver don’t agree on who’s at fault after an accident, things can become more complicated. 

However, if you have rental reimbursement coverage, you can contact your insurance company to arrange for a rental car right away. Later, if it’s determined that the other driver was at fault, your insurer will work with their insurance company to recover the costs.

Without rental reimbursement coverage, you’ll need to wait and see if you can be reimbursed for the cost of a rental car. If it’s decided that the accident was your fault, you’ll have to cover the rental expenses yourself. 

If the other driver is found to be at fault, you can seek reimbursement from their insurance company for the rental car costs you’ve already paid.

Why Do You Need Rental Reimbursement Coverage?

There are numerous advantages to having rental reimbursement coverage on your auto policy. This is why, at the Craig-Peterson Agency, we encourage you to get this coverage. The advantages are:

Cheaper Cost

Paying for alternative transportation out of pocket when your vehicle is being repaired after a collision can be very expensive. This is especially true if you have to rent a car. Getting rental reimbursement coverage is a cheaper alternative. The coverage is usually affordable because most insurers have business deals with car rental companies. 

Convenience

Not having a mode of transportation can be very disruptive to your life, especially if you hadn’t set aside some emergency money for this purpose in advance. Having rental reimbursement coverage as part of your auto policy eliminates this hurdle. Additionally, your insurer will conveniently provide you with a rental car as soon as they take away your vehicle for repair. 

What Does Rental Reimbursement Typically Cover?

Rental reimbursement typically covers the cost of renting a car from an approved rental agency while your vehicle is in the shop.

This coverage can also extend to scenarios where you need a rental car for a certain number of days or up to a specific dollar amount, which will be outlined in your policy.

How Much Rental Reimbursement Coverage Do I Need?

Like other types of insurance, rental reimbursement coverage comes with limits. Policies usually have both a daily limit and a total claim limit. 

The daily limit is the maximum amount your insurer will pay each day for a rental vehicle, so any extra costs will come out of your pocket.

The total claim limit is the highest amount your insurer will cover for each claim, which could either be a set dollar amount (e.g., $800) or a time limit (e.g., 30 days). If you need a rental car for a long time, you may quickly hit these limits. Some insurance companies offer various options for coverage limits, while others may only provide one.

To figure out how much coverage you need, consider rental car rates in your area and how critical access to a vehicle is for you. If you only drive occasionally, you might not need much coverage. 

However, if you rely on your car for daily commuting, you’ll want to ensure your rental reimbursement coverage provides enough protection to keep you on the road without interruptions.

How Long Will Insurance Pay For A Rental Car After An Accident?

Rental reimbursement will typically cover a rental car for the duration of your vehicle’s repair, but this is subject to the terms of your policy. Most policies set limits, either by the number of days you can have a rental or by a maximum dollar amount.

For example, your coverage might allow for up to 30 days of car rental or $900 in rental fees—whichever comes first. It’s important to check your specific policy for these details.

Rental Reimbursement Coverage Limits

Every policy has coverage limits, so it’s essential to understand what yours includes. Typical limits are based on a daily dollar amount (for example, $30 per day) and a total maximum amount (for example, $900). 

Make sure your limits fit your needs, especially if you drive a more expensive vehicle that might require a higher-cost rental.

Is There A Deductible For Rental Reimbursement Coverage?

Unlike collision or comprehensive coverage, rental reimbursement coverage does not usually require you to pay a deductible. This means you won’t need to worry about upfront costs when getting a rental vehicle.

Are you a Raleigh, NC, resident looking for auto insurance with useful coverage add-ons? Contact Craig Insurance Group today.

Rental Reimbursement Coverage FAQs

Yes, rental reimbursement coverage is generally worth it, especially if you rely on your vehicle daily. Without it, you could face high out-of-pocket expenses for a rental car while your vehicle is being repaired after an accident. If your car is in the shop for several days—or even weeks—rental reimbursement coverage will give you peace of mind and financial relief.

The cost of rental reimbursement coverage varies depending on your insurance provider and policy, but it’s generally very affordable. In many cases, you can add this coverage to your auto insurance for just a few dollars a month. Generally between $2 – $15 per month. The small cost of this coverage can easily save you hundreds of dollars in rental expenses if your car is in the shop for repairs after an accident.

If you’re involved in an accident and your car needs repairs, the rental reimbursement will cover the cost of a rental vehicle. However, this coverage might not apply if your vehicle isn’t being repaired or if the accident wasn’t covered under your auto policy (for example, if you only have liability only insurance). 

Most rental reimbursement coverage limits apply to standard rental vehicles, not luxury cars. Coverage usually comes with a daily dollar limit (e.g., $30 – $50 per day) and a maximum number of days for which the coverage applies. If you want to rent a luxury vehicle, you would likely have to pay the difference out of pocket.

Rental reimbursement coverage is typically not included in what is commonly referred to as “full coverage” (which usually includes liability, collision, and comprehensive coverage). It is an optional add-on that you must elect to include in your policy. Even if you have full coverage, rental reimbursement needs to be added separately if you want it as part of your protection.

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Get Affordable Auto Insurance For Your Teen In 3 Steps

Posted on by Craig-Peterson Agency

Becoming an independent driver is a milestone for many teenagers in Durham and Raleigh, NC. It’s exciting to watch your teen gain independence, but with that excitement comes the responsibility of securing the right auto insurance. 

The good news? We’ve made it easy for you with three simple steps to get affordable auto insurance for your teen driver.

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1. Customize Affordable Car Insurance For Your Teen

To lower the cost of insuring your teenage driver, ask your agent about these discounts:

Good Student Discount

If your teen maintains good grades, they may be eligible for a discount. Insurance companies often reward academic achievement with lower premiums.

Driver Training Discount

Teens who complete a certified driver training course may qualify for savings. This shows insurance companies your teen is committed to being a responsible driver.

Student Away At School Discount

If your teen is away at college and only drives when home for holidays, you may be able to get a reduced rate.

Discounts Based On Safe Driving Habits

Many insurers offer discounts for using apps or devices that monitor safe driving. This is a great way to reinforce good habits while also reducing your premium.

Other Options To Reduce Young Adult Insurance Premiums

Talk to your agent about additional options like increasing deductibles or adjusting coverage levels to better fit your budget without sacrificing protection.

2. Bundle Your Insurance Policies

One of the easiest ways to save on your teen’s auto insurance is to bundle it with your home or other auto policies. Bundling your policies doesn’t just offer financial savings, though. It also simplifies your insurance management by consolidating everything with one company.

Plus, if you already have a good relationship with your insurance provider, they’ll often offer extra perks or customer loyalty benefits when you bundle additional coverage for your teen.

3. Add Your Teen To Your Existing Policy

Beyond cost savings, adding your teen to your policy ensures they have the same level of coverage that you and other family members have access to. This would include coverages liability, collision, and comprehensive coverage. 

Plus, most insurance companies offer a broader range of discounts, such as family plans or loyalty rewards, which can further lower your premium.

Keep in mind that while your rates may increase with a new teen driver on the policy, adding them to your existing plan is still generally less expensive than starting a separate policy from scratch. 

Speak with your agent at Craig-Peterson Agency to see how much you can save by adding your teen to your policy and ask about any additional discounts available for multi-car families or safe driving habits.

Other Things To Know About Car Insurance For Teenage Drivers

When it comes to car insurance for teenage drivers, there are a few important factors to consider that could impact your premium and coverage options:

How Much Is Car Insurance For Your Teen?

Car insurance premiums for teenage drivers are typically higher than for more experienced drivers, and this is because insurance companies consider teens to be high-risk. Due to their lack of experience and higher likelihood of being involved in accidents, teenage drivers are statistically more likely to file claims, which drives up their insurance costs.

In North Carolina, the rates for teen drivers can vary depending on factors like where you live, the type of vehicle they drive, and the coverage options you select. While this might seem daunting, there are several strategies to reduce the overall cost:

  • Encourage safe driving habits: Many insurers offer discounts if your teen uses telematics devices or apps that track and report safe driving behaviors.
  • Take advantage of good student discounts: If your teen maintains a certain GPA, this can lead to savings on your premium.
  • Choose a vehicle wisely: Insuring a used, safe, and moderately-priced vehicle can keep costs lower than insuring a brand-new or high-performance car.

By exploring these options with your agent, you can find a balance between necessary coverage and affordable premiums for your teen driver.

Will The Rate Drop When My Teen Turns 18 Or 21?

Yes, your teen’s car insurance rates will likely drop as they grow older, gain more driving experience, and maintain a clean driving record. Here’s how it typically works:

  • At 18 years old: Some insurance companies may slightly reduce rates as your teen transitions into legal adulthood. However, the decrease may not be significant at this age because they are still considered relatively inexperienced drivers.
  • At 21 years old: Most insurance companies will lower rates more noticeably once your teen reaches 21. By this time, they’ve had several years behind the wheel and are statistically less likely to be involved in accidents than they were as younger teens.

To ensure your teen qualifies for these rate drops, it’s essential that they maintain a clean driving record free of accidents, tickets, or other infractions. Even one traffic violation can result in higher premiums, so safe driving is key to unlocking these discounts over time.

Should Your Teen Driver Have Their Own Policy?

While it’s generally more affordable to add your teen driver to your existing auto insurance policy, there are certain situations where having a separate policy might make sense.

  • If your teen owns their own vehicle: If the vehicle is titled in their name, your teen may need their own policy to ensure proper coverage. Some insurance companies require that the person listed on the policy is also the owner of the vehicle.
  • Different coverage needs: If your teen needs different coverage limits or options than your household policy offers, a separate policy might be necessary. For example, if your household carries a higher level of coverage for adults, but you prefer lower coverage for your teen to save on costs, separate policies may be the best route.

Keep in mind that separate policies for teenagers are usually more expensive. You’ll want to discuss the pros and cons of both options with your agent at Craig-Peterson Agency to find the most cost-effective solution that still provides adequate protection.

Will They Have The Same Coverage For All Vehicles?

Yes, when your teen is added to your auto insurance policy, they will typically have the same coverage for all vehicles listed on the plan. This means that if your household has multiple cars, your teen is covered no matter which one they drive. However, there are a few things to consider:

  • Primary vehicle usage: Be sure to list your teen as the primary driver of the car they will use most often. This helps ensure that your rates are accurate and reflects their actual driving habits. If your teen regularly drives multiple vehicles, it’s important to disclose this to your insurer to avoid any coverage issues in the event of a claim.
  • Coverage levels: Your teen will have the same liability, collision, and comprehensive coverage as the rest of your family. If you feel your teen needs additional coverage or protection, you can adjust your policy accordingly.

Adding your teen to your existing policy not only simplifies coverage but also helps ensure they have access to the same level of protection as the rest of your household.

Get Coverage For Your Teen Today

Getting auto insurance for a teen doesn’t have to be complicated or expensive. At the Craig-Peterson Agency, we’re here to guide you through the process.

To learn more, contact our team in Raleigh, NC today at 919-772-5202 or 919-544-8484. Our agents are standing by, ready to take your call. 

Auto Insurance Companies We Work With

We partner with trusted insurance carriers to ensure you get the best coverage for your family’s needs. Ask us about our partnerships and the specific discounts available for teen drivers.

Car Insurance For Teenage Drivers FAQ

Yes, once your teen is licensed and driving, you need to add them to your auto insurance policy to ensure they are covered.

A DL-123 is a form required in North Carolina to prove your teen has insurance coverage when applying for a driver’s license.

You’ll typically pay higher rates until your teen gains more experience, with rates generally decreasing around age 21 if they maintain a clean driving record.

Lowering your coverage can reduce premiums, however we don’t recommend reducing coverage. Lowering your coverage will leave you financially exposed in case of an accident. It’s important to balance cost with adequate protection.

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How to Protect Your RV Against Weather-Related Damage

Posted on by Craig-Peterson Agency

Owning a recreational vehicle (RV) allows you to explore the great outdoors while enjoying the comforts of home. However, RV ownership is responsible for protecting your investment against the elements. Weather-related damage can pose serious risks to your RV, whether it’s heavy winds threatening structural harm or large hailstones pummeling the roof. At Craig Insurance Group in Raleigh, NC, we offer comprehensive insurance to protect your RV from a range of perils.

Understanding Weather-Related Risks

Weather-related damage to your RV can take many forms. Wind damage during storms and hailstones are some of the most common threats, but they’re not the only ones. Water damage can occur from flooding and leaks. Your RV can also experience UV damage due to prolonged sun exposure.

Preventative Measures for Your RV

Taking proactive steps to protect your RV from weather-related damage can save you significant time, money, and stress. Regular maintenance and inspections are essential to keeping your investment sound. You’ll also want to have a proper storage solution where the vehicle is well-covered and out of the elements.

Choosing the Right RV Insurance

While taking preventative measures to protect your RV is important, having the right RV insurance is equally as important. Comprehensive coverage can help cover non-collision incidents, such as storms, theft, and vandalism. You may also consider special endorsements to protect against damage caused by severe weather.

Protect Your RV With Tailored Coverage

Safeguarding your RV from weather-related damage requires a proactive approach, combining routine maintenance, intelligent storage solutions, and insurance coverage. We tailor your RV insurance to meet your unique needs and budget at Craig Insurance Group. Call our Raleigh, NC office at 919-786-1960 to build your policy.

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How to Prepare Your Boat or Watercraft for Hurricane Season in Raleigh, NC

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When Does Hurricane Season Begin in Raleigh, NC? 

Hurricane Season in Raleigh, North Carolina, typically runs from June 1st through November 30th each year. Learn how to prepare your boat or watercraft for hurricane season from the insurance experts at Craig Insurance Group. 

Raleigh-Specific Hurricane Risks 

While Raleigh isn’t situated directly on the coast, its proximity to the ocean makes it prone to feeling some of the most devastating effects and the aftermath of Atlantic hurricanes. 

Raleigh residents won’t typically have to battle high storm surges; however, they may experience flooding from heavy rainfall overfilling local rivers and creeks and structural failures caused by hurricanes. 

During extreme weather events, high-velocity winds and wind gusts from blowing hurricanes can easily damage boats, watercraft, and other water-faring vessels. 

Your boat’s susceptibility to sinking or flooding during a strong hurricane depends on some of the following factors: 

  • Boat Type and Condition 
  • Hull Material 
  • Mooring and Anchoring Practices 
  • Hurricane Preparedness 

Boat and watercraft owners should note that there are always some potential risks of sinking or flooding, especially during strong hurricanes with violent winds. 

Prepare Your Boat or Watercraft for Hurricanes 

  • Equip Your Vessel with Emergency Supplies
  • Create An Evacuation Plan
  • Know your Evacuation Routes 
  • Look up Local Road Conditions 
  • Research the Weather Conditions
  • Prepare for Power Outages 

Get more local advice from the boat and watercraft insurance experts at Craig Insurance Group and get a comprehensive quote for boat and watercraft insurance when you contact us today! 

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The Rising Need for Personal Umbrella Insurance

Posted on by Craig-Peterson Agency

At Craig Insurance Group in Raleigh, NC, we’ve observed a growing trend in claims that could be covered under umbrella insurance. These policies offer added liability coverage beyond your primary policies, including auto and homeowners insurance. This article will highlight scenarios where umbrella insurance can be incredibly beneficial.

Situations Where Umbrella Insurance is Advantageous

Numerous unexpected situations occur in our everyday lives. Preparation for such incidents can be significantly boosted with a personal umbrella insurance policy.

Homeowners Protection

In addition to your primary policy, umbrella coverage can cover expenses exceeding your liability insurance. This additional coverage can be beneficial if someone sustains injuries on your property or causes damage to another’s property.

Automobile Accidents

This scenario offers a compelling argument for considering umbrella policies. Standard auto insurance policies might not cover the complete cost of damage resulting from severe accidents causing extensive injuries or property loss. An umbrella policy can fill in this gap.

Social Host Liability

If an event you host sees a guest sustain injuries or property damage occurs, your umbrella policy might offer essential protection.

Defamation or Invasion of Privacy

If a personal dispute escalates into legal matters in this modern digital era, umbrella insurance can offer a comprehensive layer of coverage if you find yourself amid defamation or invasion of privacy claims.

Prepare for Unexpected Incidents

If you want to be prepared to tackle the potential hazards of daily life, contact Craig Insurance Group in Raleigh, NC, to learn more about umbrella insurance coverage. We’ll guide you toward an appropriate policy and provide a coverage quote.

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Why You Need Flood Insurance Outside a Flood Zone

Posted on by Craig-Peterson Agency

Securing a home and flood insurance is crucial when you buy a house. Without flood insurance, you leave yourself susceptible to a widespread disaster that can annihilate a dwelling. Flood insurance often gets overlooked, but this oversight can lead to catastrophic financial loss in the event of a flood. Floods can be incredibly damaging, and it’s crucial that you’re protected against this risk. Contact us at Craig Insurance Group in Raleigh, NC to initiate a policy.

Flood Zones

Many areas, specifically those adjacent to water bodies, are identified as flood zones. These areas are predicted to endure floods within a certain time frame, like every 20 or 50 years. Typically, homeowners in these areas are required to purchase flood insurance to safeguard their property. However, floods can occur anywhere, not just flood-prone areas. Being financially unprepared for such an event is easier than you might think.

Flood Claims

While most flood claims originate from flood zones, not all do. Roughly 20% of claims come from areas non-designated as flood zones, which implies that one out of five flood claims ensue from regions where the necessity for flood insurance might be underestimated. Being financially prepared is always the best course of action when faced with potential flooding that can severely damage or annihilate a home.

Get Flood Insurance No Matter Where You Live

Flood insurance is necessary regardless of your dwelling location. Contact us at Craig Insurance Group in Raleigh, NC to discuss coverage.

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Financial Stability: Making the Most of Life Insurance Payouts

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Receiving a life insurance payout can provide financial stability during a challenging time. Managing this payout is crucial to ensuring long-term financial security and meeting immediate needs around Raleigh, NC.

Assess Immediate Financial Needs

Upon receiving a life insurance payout, the first step is to assess immediate financial needs. This includes covering funeral expenses, paying off outstanding debts, and addressing immediate living expenses. Prioritizing these needs ensures that you and your family remain financially secure during the initial period following a loss.

Establish an Emergency Fund

Creating or bolstering an emergency fund is vital in maintaining financial stability. An emergency fund offers a safety net for unexpected expenses. Aim to set aside three to six months’ living expenses in a readily accessible account.

Pay Off Debt

Using some of the payouts to pay off high-interest debt is a smart move. This can lower monthly expenses and provide more financial flexibility.

Invest for the Future

Investing part of the payout can help secure your financial future. Standard investment vehicles include stocks, bonds, mutual funds, and real estate. Diversifying your investments can help grow your assets and provide a steady income stream.

Plan for Long-Term Financial Goals

Allocate funds towards long-term financial goals, such as retirement savings, college funds for children, or other significant life events. Setting aside money for these goals ensures you are prepared for the future.

Seek Professional Advice

A professional financial advisor can provide tailored guidance on budgeting, investing, and planning to maximize the payout’s benefits and maintain economic stability.

Craig Insurance Group Helps Guide You

Craig Insurance Group will help guide you and show you how life insurance can save you in the long haul. Our team covers the Raleigh, NC region. Get in touch with us today.

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Insuring Your Items in a Storage Unit

Posted on by Craig-Peterson Agency

At Craig Insurance Group, we serve our Raleigh, NC neighbors with renters’ insurance that helps them protect their financial investment in their personal belongings. When you rent a home, your landlord’s insurance covers the structure, but your renter’s policy covers your personal property inside the house. But renters need to cover items stored elsewhere, too.

Renters Insurance Covers Storage Units 

Renters insurance covers more than the items in your apartment or home. You can purchase renters’ insurance for a storage unit’s contents or a rented garage space. It will cover all the items you store inside the unit.

This applies to a garage space you rent, too. Renters’ insurance covers the vehicle, parts, and tools you store there.

Renters’ Insurance Components

Your renters’ policy contains two components – personal property coverage and liability coverage. If something happens at the storage unit or garage that damages your property, the insurance policy covers the replacement of it up to the policy maximum.

The liability component kicks in if, for instance, an accident occurs while you work on your vehicle at the garage or while you and a buddy move things into your storage unit. The liability component covers your medical expenses and that of your friend.

Update Your Renters’ Policy 

Contact Craig Insurance Group today to update your renters’ policy to cover your belongings stored in a storage unit and your other rented spaces, such as your garage parking. Your rented space doesn’t even have to be in Raleigh, NC. Our policies cover your items stored throughout North Carolina. Just add the addresses of storage units to your policy. Call us today to update your renters’ policy. 

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Do You Need Personal or Commercial Auto Insurance?

Posted on by Craig-Peterson Agency

Do you sometimes use a personal vehicle for commercial purposes? If so, you may need to buy a commercial auto insurance policy to avoid being denied compensation if you’re involved in an accident.

When Does a Personal Vehicle Need Commercial Auto Insurance?

Raleigh, NC residents will need commercial auto insurance if a personal vehicle is used for the following purposes:

  • Business deliveries– If you work for DoorDash, Uber, Lyft, or similar companies, you’ll need commercial auto insurance.
  • Travel to and from markets- Do you sell goods at a local market? If so, you may need commercial insurance. This depends on the type of items you transport. Talk to a knowledgeable insurance agency such as Craig Insurance Group for expert advice.
  • Travel to meet with clients- Do you regularly travel to meet clients or business partners or to close sales? You’ll need commercial insurance if you use your vehicle for this purpose.
  • Employee Travel- Your vehicle will need commercial insurance if you want coverage for employees who are using the vehicle for business-related work.

What is and isn’t Covered by Commercial Auto Insurance?

A basic commercial auto insurance policy covers bodily injury, property damage, collisions, and medical payments. It also includes liability coverage and uninsured motorist coverage. However, it doesn’t cover the theft of the vehicle. It also won’t cover theft, damage, or loss of valuable business assets stored in or transported by the vehicle. 

Get Insurance Assistance from Craig Insurance Group Today

We take pride in helping Raleigh, NC, entrepreneurs find the right insurance policies for their businesses. Contact us to learn more about commercial auto insurance options or to get a quote on your chosen policy.

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