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Add-ons that customize your basic auto insurance policy

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The auto insurance policy that suits you may not be suitable for others. Each person has specific needs, and what they need or want to add to their basic auto policy will differ. In Raleigh, NC, the basic mandated auto insurance is 30/60/25. This covers $30,000 for one person injured, $60,000 for two or more injured, and $25,000 for property damage. At Craig Insurance Group, our team will help ensure you have all the coverage you need.

Collision and Comprehensive Coverage

The most common add-ons are collision and comprehensive coverage. If you have an auto lease or loan, you’ll need these two coverages that protect the vehicle in which they still have an interest. If you use your vehicle every day and it’s an essential part of your life, these are also coverages you may want to consider. Repairing or replacing a vehicle after damage can be very costly.

Full Glass Coverage

Comprehensive coverage includes glass coverage, but there’s a deductible you must pay. If you opt for full glass coverage, you won’t have to pay the deductible.

Roadside Coverage

Roadside coverage offers the same type of coverage as typical auto club coverage. If your car doesn’t start, you lock yourself out of the car, have a flat tire, or have a breakdown, you have a number to call, and they will come and provide the assistance you need.

Rental Coverage

If you’re in an accident and your vehicle is in the shop or totaled, you’ll need a replacement vehicle. This coverage provides access to the rental vehicle you need.

Contact the independent insurance agents at Craig Insurance Group in Raleigh, NC, to learn about all the customization you can do to your basic auto policy.

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Who is Allowed to Drive a PWC?

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If you own a boat or another type of watercraft, it’s important to protect your investment with boat and watercraft insurance. Many boat owners are unsure about the type of policy they need. If you live near Raleigh, NC, our team at Craig Insurance Group is ready to help protect your boat or other watercraft. We’ve been serving clients in your area since 2013.

Who is Allowed to Drive a PWC?

Being safe on the water means obeying state laws about who is allowed to drive your boat or watercraft. According to the North Carolina Wildlife Resources Commission, you must be over 14 years old to drive a PWC (personal watercraft). However, every driver under 16 must complete and pass a boat safety education course. Any adult responsible for supervising a person under age 16 cannot let them operate their PWC unless they have completed the boat safety course.

All passengers in PWC should wear personal flotation devices. It’s also important to understand what reckless driving of a PWC is. You shouldn’t operate a PWC in a channel that’s too narrow or follow another PWC too closely. If your PWC is towing a person on water skis or a ski jet, you must use a rearview mirror or have an observer on board to watch the person being towed.

Call Us Today for Your Appointment

At Craig Insurance Group, we want you to enjoy your watercraft with the confidence of knowing you’re protected. As the seasYoururance needs may change, and as the seasons change, we can help you prepare for those changes. Residents of Raleigh, NC, can feel confident about their choice of insurance after visiting our office. Call us today for an appointment, and let’s talk about insurance.

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Do I need RV Insurance when It is Stored in a Garage?

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It’s essential to maintain insurance coverage for your RV at all times. Why? Because unexpected incidents can occur, even when it’s parked. Our professional insurance team at Craig Insurance Group, serving Raleigh, NC, recommends year-round insurance coverage due to the potential risks:

Theft and Vandalism

Regrettably, theft and vandalism can still occur even if your RV is parked and stored in a secure location. Without insurance coverage, you would be responsible for the cost of any necessary repairs.

Fire Damage

There’s always a risk that a structure, such as a garage, warehouse, or other storage unit, could catch fire, damaging or completely destroying your RV and its contents. Without the appropriate insurance coverage, you would have to pay for the repairs or replacement out of pocket.

Extreme Weather

If your RV is parked outdoors, it could be damaged by severe weather events like hail, floods, or fallen trees. Without proper insurance coverage, you would be responsible for the cost of any resulting repairs.

Parked With Other RVs

It could be accidentally damaged if your RV is stored in a warehouse with other RVs, boats, and ATVs. Without insurance, you may have to cover the cost of any damage.

Get Proper RV Insurance Today

Protect your investment by ensuring you have the right RV coverage throughout the entire year. While you might not need full coverage during the off-season, it’s still important to have some level of coverage, whether your RV is parked indoors or outdoors. Our professional team at Craig Insurance Group, serving Raleigh, NC, is here to discuss your RV coverage and all your insurance needs. Contact us today.

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How Umbrella Insurance Adds to Your Liability Protection

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If you’re the owner of a home and vehicle, you likely already have the right types of insurance coverage to protect them. When you have home and auto insurance, you can add to their liability by getting an umbrella insurance policy. This is important for protecting yourself against the high costs of accidents resulting in injuries and property damage. When you need umbrella insurance, give us a call at Craig Insurance Group in Raleigh, NC.

Understanding Home, Auto, and Umbrella Insurance

There are different kinds of coverage in each home and auto policy, including liability coverage. A home insurance policy has this in case someone has an accident in your home. Auto insurance has it in case of expenses after an accident. When you have umbrella insurance, it adds more liability coverage to both of these policies. You can have more liability for both at the same time for less than you’d pay to add more to each directly.

How Umbrella Insurance Works

Once there has been an accident, a few things will happen. The home policy or auto policy comes in first to assess the damages and pay for the resulting bills. However, these policies can only pay up to their maximum coverage amounts. It’s common for home and auto policies not to have enough liability coverage. When this happens, you would have to pay what’s left over after they have reached their maximums. That’s where umbrella insurance comes in. It will pay for the bills that are left over, so you don’t have to come up with what could be an enormous amount of money.

Secure Your Umbrella Insurance with Craig Insurance Group

If you need more liability coverage, contact Craig Insurance Group in Raleigh, NC, to start a policy.

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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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