Thursday, February 2, 2017

Important Things to Know About Buying Life Insurance

Buying life insurance is not the same as walking into a store and purchasing an item off the shelf. It even differs from the process of buying auto insurance in Hickory NC. There should be some preparation before beginning the process. Here’s a look at some important things to know before you purchase life insurance.

There is more than one provider
If one company turns you down, that does not mean another company will do the same. It is actually recommended to get quotes from more than one provider. This way you will be able to make the most informed decision on which provider to choose.

The difference between ‘term’ and ‘whole’ life insurance
Term life insurance policies usually come with lower premiums and only pays out if you pass away in the agreed-upon ‘term’ which lasts a certain number of years. A whole life insurance policy may cost a little more in premiums but it acquires cash value, which can either be withdrawn or borrowed against. Purchasing whole life insurance is essentially a way of paying for ongoing protection.

It is not an investment
Although whole life insurance policies accumulate a cash value over time, it should not be looked at as an investment. Buying an insurance policy is not the same as investing in something like mutual funds, so don’t be lured in by agents who promise significant returns as a sales tactic.

Beneficiaries do not have to be your dependents
When buying a life insurance policy, it is up to you to choose your beneficiaries. That could be a charity or your favorite local non-profit organization. If you do choose a dependent as your beneficiary, be sure to account for all your sources of income when deciding on a policy.
Premiums can be guaranteed
There is no way to look into the future and guarantee what your financial situation will be. That is why it is important to choose a premium that is guaranteed to stay the same. Should your financial situation suffer while your premium begins to rise, your policy could lapse. And if you pass away while your policy is lapsed, your beneficiaries get nothing.

Jeff Kincaid Insurance helps clients wade through the process of choosing a life insurance policy. The team of experienced agents will compare different company premiums and answer any questions along the way. No matter what kind of life insurance you are seeking, Jeff Kincaid Insurance in Hickory has a solution for you.

Wednesday, January 25, 2017

Choosing Between Higher and Lower Deductibles for Your Car Insurance

When it comes to your auto insurance policy, there is the ever important topic of the deductible. Should it be higher or lower and how will it serve you best? These are important questions everyone should be able to answer when purchasing car insurance.

The first thing to know about your deductible is that it must be paid before the insurance company takes care of the rest. Keeping that in mind, a higher deductible means a lower monthly premium. So if you go through an entire year without any accidents while having a higher deductible, you’ll save money on the lower cost of your monthly premium. However, if you do wind up causing an accident, you might have to pay more out of pocket to cover the higher deductible.

When choosing a higher deductible with a lower premium, it’s important to have money set aside in case of emergency. Settling for a deductible that is very high can be tempting, but could be a cause for panic if it ever needs to be utilized.

People with less cash flow may want to roll the dice and go with a higher deductible, although they must remember that there is a significant risk in that option. The age of your vehicle is another thing to consider. Vehicles that are more than 10 years old are usually not going to demand a high cash value from an insurance company if the vehicle is totaled.

If you are the owner of a vehicle 10 years or older, a viable option would be to set your deductible high so that your premium is lower. The thought behind this would be that any major damages would be solved by simply replacing your vehicle with another one. In the event that your car is totaled, the logical solution would be to buy a new one.

It is also important to remember that insurance rates change quite a bit. It is a good idea to regularly compare insurance quotes. A local insurance agent can help match you with the best rates. Switching companies could save you a good deal of money every six months as different ones offer better options when it comes to deductibles.

If you are in the market for car or motorcycle insurance in Hickory NC, the professionals at the Jeff Kincaid Insurance Agency can help find the best deal for you. Whether you are in need of a high or low deductible, there are plenty of options out there for you. Jeff Kincaid Insurance Agency of Hickory is ready to start saving you money by finding the best coverage around.

Friday, December 23, 2016

Important Things to Know About Buying Car Insurance

Buying auto insurance may seem like a simple thing to do. While certain minor issues may arise, the process is made easier and more affordable when you know all about what you are getting into. Here are some important things you may have not previously known about buying Hickory NC car insurance.

It Pays To Tell the Truth
Insurance agents will ask questions like ‘do you park your car in a garage?’ There may be a slight discount if you do. However, if you get in an accident and are caught in a lie, you could be subjected to higher rates that are far greater in the small discount your lie got you.

Color Does Not Count
There are no extra charges for a red car or cheaper rates for a more ordinary color. Insurance rates are not affected by car color.

Discounts Are Available
Discounts are out there for you to take advantage of when it comes time to purchase your vehicle insurance in Hickory NC. Certain safety features on your vehicle will qualify for a discount on your overall rate. That includes alarm systems and anti-theft devices. Any defensive driving credits you have could also add up to discounts in your favor.

Repair Parts Count
The make and model of your vehicle will affect your premium. That is because some cars have parts that are more expensive to replace than others. In the event of an accident, there is most likely going to be a need for some replacement parts, all of which differ in price.

Injury Protection Is Available
Personal injury protection is an option that protects you in the event that you are injured during an accident. It can even protect you when you are a passenger in someone else’s car. Lost wages and medical bills can be recouped as part of personal injury protection.

Rates Revert To Risk
Insurance companies take into account more than just whether or not you have received a bunch of speeding tickets in the last few years. When assessing you as a risk factor, insurance companies take things into consideration like your age, driving record, sex, credit rating, and area of residence.

Jeff Kincaid Insurance Agency of Hickory helps drivers through the process of choosing the insurance policy that best suits them. Everything you need to know will be explained in detail so that every client receives the best coverage possible. Jeff Kincaid Insurance also provides homeowners insurance, bike insurance, RV insurance and much more.

Wednesday, November 23, 2016

Factors That Affect Your Life Insurance Policy

It goes without saying that your age, current health status and whether or not you smoke will affect the premium of your life insurance policy. There are also some other factors that will affect your life insurance policy.

Driving Record

It is not just your Hickory car insurance company that will check out your driving history. These records are also used for life insurance to assess your risk factors. There does not need to be a questionnaire for this on your insurance application as companies can access those records through the motor vehicle department. The more moving violations you have, the more you can expect to pay.


If your occupation carries any kind of risk, it could affect how much you pay for your premium. For example, an iron worker who spends his workdays on beams hundreds of feet off the ground will pay more than an accountant who sits in an office from nine to five.


Insurance providers commonly inquire about the things you do with your spare time. Adventure seekers who engage in dangerous activities are considered more of a risk. And if you lie about being a thrill seeker and wind up dying in such a way, your claim could wind up being denied.


Obesity can lead to a variety of health issues and generally equates to a shorter life span. Tipping the scales a little too much is a sign that your premium may also be on its way up. This is also measured in BMI (body mass index). Those people with high a BMI will generally have higher rates.


While men and women were both created the same, women have a longer life expectancy. This also works to their benefit in that women can expect to pay lower premiums than men.

Credit history

Insurance companies are curious about whether or not you will be able to afford your premiums. In the event that you do not fare well with credit checks, you can expect a hike in your premium.

Zip code

This is not a condemnation of certain neighborhoods, but something that is based on statistics. People living within the same areas tend to possess the same risk factors. Groups of people who live in certain metro areas may have higher premiums than groups of people who live in more rural regions.

Jeff Kincaid Insurance Hickory provides different kinds of life insurance to suit people from all walks of life. Equipped with years of experience in the business, Jeff Kincaid Insurance of Hickory NC can help protect you and your loved ones with an insured peace of mind.

Wednesday, October 19, 2016

Things to Know When Purchasing Boat Insurance

Boat insurance works a bit differently than auto insurance as there are some areas that need to be understood by boat owners. Before taking your boat out to sea, there are some important things to know about the details involving its insurance.

When transporting your boat out of the water, any liability incidents will be covered by your auto insurance policy. However, other damages will be covered by your NC boat insurance policy. Transporting a boat also takes careful maneuvering so drivers are encouraged to be more mindful in traffic.

Docking your boat at a marina does not necessarily mean it is safe from any unforeseen damage. When renting a boat slip, it is important to find out what kind of liability coverage exists at your marina. Some marinas will ask that their renters sign a waiver, which would then force boat owners to rely on their own insurance policy to pay for any damages.

During the winter months, many boat owners will store their boats at home. When this happens, your boat can be covered by the homeowner’s policy. However, most homeowner policies will only cover up to around $1,000 in damages to your boat. With many boats being quite costly, it is important to be fully insured in the event of any damages.

Boat insurance policies are not only designed to protect the actual boat, but also any passengers and liabilities. That also means that it’s a good idea to have an insurance policy in place before actually taking possession of a boat you are buying. An accident in transit could be a rather expensive problem without the right insurance.

Some states have made insurance liability coverage mandatory for boat owners. There are also several other options to consider when purchasing boat insurance, like theft coverage, hurricane coverage and damage to the engine. Adding options such as those to your policy will provide you with more comprehensive coverage.

Jeff Kincaid Insurance in Hickory NC is well versed in the finer points of boating insurance. Finding the best coverage for your boat is our top priority, one that will give boat owners the protection and peace of mind they deserve.

Jeff Kincaid Insurance Hickory Website

Tuesday, September 27, 2016

7 Ways to Lower Your Auto Insurance

Anyone driving a car on the open road knows the importance of having auto insurance. But not everyone should have to pay through the nose when it comes to their monthly car insurance bill. Here are 7 simple ways to lower your auto insurance premium.

Car insurance for every driver, auto insurance coverage quotes

1.) Choose Higher Deductibles
No one wants to pay high deductibles, but agreeing to a higher deductible will lower your insurance costs. This is a more novel idea when it comes to older cars, generally 10 years of age or more.

2.) Get Rid of Towing
Towing is a part of many insurance policies, although many people wind up having some other roadside assistance service, such as AAA. If you fall into that category, there is no need to add on the extra fee for towing.

3.) Avoid Monthly Payments
Each monthly payment comes with a service fee that is usually around $5. Over the course of 12 months, that adds up. Instead, try making one annual payment or a pair of semi-annual payments.

4.) Combine Policies
If you choose the same insurance carrier for all of your policies, such as auto, life and homeowners, you will receive substantial discounts. Using the same insurance carrier will not only be easier to manage, but it will also save you money.

5.) Personal Factors
There are a lot of personal factors that could save you money on your car insurance. Many companies provide discounts for individuals who are married or have graduated college. Employees of certain companies are also eligible for discounts.

6.) Add Another Vehicle
Having more than one vehicle on your insurance policy will introduce a reduction to your rate. If you have more than one household member driving, it makes sense to use one insurance carrier.

collision insurance needed, auto insurance, car insurance7.) Drive Less
The less miles you drive, the cheaper your annual insurance rate will be. Living closer to your job actually has financial benefits. There are also insurance programs that enable drivers to pay by the mile.

When it comes time to save money on your auto insurance, the team at Jeff Kincaid Insurance Hickory has your best interests in mind. We work with our extensive network of services to get you the lowest rates combined with the best coverage possible. If you are in need of the best auto insurance rates available then there is only one call for you to make; contact the Jeff Kincaid Insurance today!

Monday, August 22, 2016

5 Factors That Affect Life Insurance

Sooner or later, purchasing a life insurance policy becomes an essentiality for everyone. There are several factors that can affect your life insurance policy and it’s important to know which areas underwriters will look into.


Once you disclose that you have diabetes on your application for life insurance in Hickory NC, the carrier will request more information to determine how well you handle your condition. The better you handle your diabetes, the better your chances are of getting coverage. And if you have additional health conditions combined with diabetes, it could have a negative impact on your rate.


There is a noticeable difference in life insurance rates between smokers and non-smokers. It is also important to note that insurance companies include contestability clauses which can dispute claims because of fraud or misrepresentation. That is why it is important to be forthright when disclosing information about smoking.

Sleep Apnea

There are varying levels of sleep apnea, ranging from mild to severe. An AHI (Apnea/Hypopnea Index) reading will usually play a part in determining your insurance rate. Sleep apnea can also lead to a variety of other health issues if left untreated, such as heart problems and hypertension.


A high level of depression can classify someone in a high risk category. Depression can lead to high stress levels, cardiovascular issues and problems with the immune system. How depression is being managed is also considered as are any medications that are being taken to treat the condition.

Family History

With so many medical conditions running in the family, underwriters look into a family’s medical history when determining rates. Minor issues will not have an impact, but a history of cancer, heart disease or diabetes will be areas that are looked at more closely.

Navigating any insurance policy and finding the one that fits your individual needs can be a daunting task. Having someone that is knowledgeable of your options and has years of experience will save valuable time, while avoiding unnecessary stress. If you are in or around Hickory, the Jeff Kincaid Insurance Agency will walk you through the entire process of purchasing personal insurance from beginning to end. This is not limited to life insurance, they can help you with Auto, RV, motorcycle, and North Carolina home insurance. They will go over every detail of your situation and find the right policy for you and your family. Contact today and get started on protecting the financial future of your family.



Monday, July 18, 2016

More Auto Insurance Helpful Hints

Every driver on the road is required to have auto insurance, although there are a good deal of questions that come with the specifics of those insurance policies. Here are some helpful Hickory NC auto insurance hints that every driver should know.

Insurance and Buying a Car

When you buy a car, you usually have a time frame of 3-4 days to inform your insurance agent about your new car or truck. However, it is always helpful to inform your insurance agent before or when making that purchase.

Adding a Spouse

When you get married, you are required to provide your agent with the names of everyone in your household. This is a way for the insurance company to accurately assess the risk factor that is posed by your family. Most times, spouses will combine auto insurance policies which actually saves money.

Towing and Insurance

A good deal of auto insurance policies feature towing, although it is not automatically included. Be sure to ask your agent about the specifics of your towing coverage and what it entails as it varies from one policy to the next. Some policies also come with roadside assistance, which helps drivers in a variety of ways.

Homeowner’s Coverage

It is important to know that if your vehicle is parked inside of your garage and sustains damage, it will not be covered by your Hickory homeowners insurance policy. There will need to be another type of coverage.

Other Drivers

You will be covered in the event that someone else gets in an accident while driving your car. Even if you lend out your vehicle to someone else, you are actually lending out your insurance coverage.

Uninsured Motorist Coverage

This is an option that protects drivers if their car is hit by another vehicle that is not equipped with coverage. The amount of uninsured motorist coverage differs according to policy as drivers have the option of increasing the amount.

Discounts Are Available

There are all types of discounts for drivers, even teen drivers. Seeking out these specialized discounts could save a good deal of money on insurance premiums over the course of a year.

Jeff Kincaid Insurance in Hickory, NC helps drivers decide on the best auto insurance policy for them. Instead of trying to work through all the tedious details that come with choosing a car, truck, or motorcycle insurance policy, Jeff Kincaid Insurance Hickory North Carolina can steer you through the process.

Monday, June 27, 2016

The Benefits of Workers Compensation Insurance for Small Business Owners

Small businesses are not exempt from obtaining workers compensation insurance. This is a means of protection for both the business and its employees. Here’s a look at the benefits small business owners can expect when they purchase workers compensation insurance from Jeff Kincaid Insurance Hickory.

No Violations

With the exception of only a couple of states, businesses are required by law to have workers compensation insurance. The extent of those laws and the specific requirements differ on a state-to-state basis. A professional insurance agent can make sure you have the proper kind of policy for your business, which can also help avoid any fines or penalties.

Avoids Real Medical Expenses

Without workers compensation insurance, a small business owner would be expected to pay all the medical bills in the event that an employee is injured on the job. Having workers compensation insurance puts that bill on the NC insurance company and will not endanger a business from a financial standpoint.

Quicker Return

Having a workers compensation insurance policy encourages small business owners to be proactive when filing a claim. The earlier it is filed, the quicker the recovery process can start. That means the injured employee can return to work even quicker. This kind of insurance is a way of expediting a worker’s return to health and work. That will also cut down the expense of hiring replacement workers on a temporary basis.

Attracts and Keeps Quality Employees

Good workers are not always easy to find. By offering workers compensation, small businesses can expect to attract a better quality employee. And if a key employee is hurt on the job, having workers compensation insurance increases the chance of retaining them once they are healed.

Worthy Investment

A workers compensation insurance policy is not going to bankrupt a small business. The premiums are calculated according to the current payroll as well as the industry classification. For example, small businesses with higher risk jobs are going to have higher premiums. Workers compensation winds up being a worthy investment in the end, especially because of the protection it offers businesses.

Jeff Kincaid Insurance of Hickory, NC walks small business owners through the entire workers compensation insurance buying process. An agent will explain the finer points within these policies and take the time to accommodate your business. Jeff Kincaid Insurance also assists clients with their commercial auto insurance, homeowners insurance and motorcycle insurance.

Monday, June 20, 2016

Home Insurance Tips

Buying a home is one of the biggest purchase most people will make over the course of their lives. That is why it is extremely important to make sure that home is properly insured. Here is a look at some Hickory NC home insurance tips that can help first time buyers as well as long-time homeowners.

Get Extra Coverage for Valuables

The standard homeowner’s insurance policy will cover possessions inside the home, such as furniture, televisions and other practical items. The policy will even cover lost, stolen or damaged valuables, such as jewelry. However, it is important to note that the standard policy will not always cover the entire amount of your valuables. If you have a lot of possessions considered to be highly valuable, it is a good idea to get extra coverage.

Don’t Underinsure

A common mistake many homeowners make is not purchasing enough insurance coverage. Many homeowners will buy enough to cover the cost of their mortgage, although that may not be the full value of their home. Most homes appreciate in value and failing to account for that fact will lead to a shortage of funds if there is a need to rebuild.

Flood Insurance

Most people assume that flood insurance is covered under their homeowner’s policy. However, this is not the case. The good news is flood insurance is rather easy to obtain. If you live in a coastal region or in an area susceptible to flooding, it is a good idea to look into purchasing some additional flood insurance coverage for your home through Jeff Kincaid Insurance of Hickory NC.

Credit Scores Matter

When buying homeowner’s insurance, a good credit score can make a difference. Those with poor credit scores sometimes pay twice as much on their homeowner’s policy. This is one more benefit to working towards achieving a good credit rating.

Home Improvements Lower Rates

If you are able to do some home improvements, it could reduce the amount you are paying on your homeowner’s insurance. In older homes, staying updated with proper heating ventilation is rewarded with a lower rate as is making improvements to the home’s roof. Any security enhancements and even an outside fence will also contribute to a lower rate.

Jeff Kincaid Insurance can help homeowners find the best policy for their home. Jeff Kincaid Insurance can also assist clients with auto insurance, Hickory motorcycle insurance and more. Trust the top-notch experience and integrity that is synonymous with Jeff Kincaid Insurance of Hickory, NC.

Wednesday, May 25, 2016

What to Look For When Buying Auto Insurance

Finding the right auto insurance policy can be a complex task since there are so many small details that often go overlooked. Hiring an experienced insurance agent to help you through the process will let you know what to look for when buying auto insurance in Hickory.


When purchasing auto insurance what you are doing is actually signing into a promissory contract with an insurance company. That contract requires the insurer to pay for damages as long as the contract conditions within the policy are met. Cheaper insurance policies raise the question of trust and could wind up giving you all sorts of problems and worry.


This can be a slippery slope as liability coverage has a limit to what it will cover. If you have liability coverage and wind up being at fault in an accident with someone driving a very expensive car, your liability coverage might not cover the extent of the damage. In an accident where there is a catastrophic or long-term injuries, insufficient liability coverage could force you to pay a lot of money out of pocket.


Whether it be personal, commercial, or motorcycle insurance in Hickory, it is your right to adjust your insurance policy how you see fit. But some companies will charge you a fee every time you make a change to your policy. These hidden costs can be a nuisance over time and are sometimes added on to something as simple as changing cars on your policy.


Certain policies only allow certain people to drive your car while other policies have much more flexibility. Limiting drivers may save you a few dollars on your monthly bill, but an accident involving someone not covered under your policy could be very costly.


There are a lot of ways to get discounts on car insurance, other than having a safe driving record. This even applies to teenagers as exemplary grades equate to discounts with some companies. Make sure you know all the possible discounts that are available with each insurance carrier.

Special Attention

Customer service is a big part of auto insurance as drivers like to know that they can always turn to someone for assistance. Being content with your policy goes a long way, knowing that you are covered in the event of an accident.

To help you through the insurance process turn to no other than Jeff Kincaid Insurance . We help customers find the right car insurance, truck insurance or motorcycle insurance policy for them. With a team of experienced professionals, Jeff Kincaid Insurance in Hickory NC can help protect you out on the road

Thursday, May 12, 2016

Why Small Business Owners Need Insurance Coverage

Small business owners often have a lot on their plates and too many times there is not enough room for insurance. That is a mistake in so many ways because no business is completely exempt from any unexpected damages. Those damages are also capable of happening in a variety of ways. If some kind of event takes place to disrupt your business, no matter where it is located, there needs to be a way to protect the business. This is where business interruption insurance steps in to help. Should your business be forced to temporarily close, you will be compensated during that down time with business interruption insurance.

Some small businesses are run out of a person’s home. There is still a danger to the business and relying on homeowners insurance is not always going to provide adequate coverage. A homeowners insurance policy will not cover items and property used for the business. This is where business insurance comes in very handy.

Small businesses may not have a huge amount of employees, but that does not mean that those workers will not suffer a short or long-term on the job injury. A small business that does not have disability insurance could wind up closing its doors if it faces a disability lawsuit without business insurance.

Nowadays, online threats are very real as any business is susceptible to cyberattacks. As more business is being conducted online, it is important for businesses to protect themselves. A cyberattack could shut down an entire company website, which could mean a lot of lost money and opportunities. These attacks can also steal sensitive information, money and tarnish reputations. That is why cyber liability insurance is steadily becoming a must-have for all business owners, small and large.

Different kinds of small businesses have different kinds of insurance needs. General liability insurance is a universal one for all businesses, but there are customized insurance policies to fit your exact business. For example, commercial auto insurance would be a choice of a small delivery business while property coverage would be something a small retail shop should acquire.

The good news for small business owners is that business insurance does not have to cost a fortune. There are plenty of insurance carriers offering affordable rates, which will not be too much of a monthly expense.

Jeff Kincaid Insurance in Hickory NC continues to help small business owners decide which insurance is right for them. No matter what kind of business or commercial insurance you are looking for, an agent at Jeff Kincaid Insurance can put you on the pathway to protection.

Monday, April 25, 2016

Auto Insurance Helpful Hints

Auto insurance affects every single driver in some way, shape or form. Even if you have been accident-free for quite some time, there are still some important aspects of auto insurance that every driver should know.

Update Your Marital Status

If you get married or your boyfriend/girlfriend moves in with you, it is a good idea to combine policies, especially if you are driving one another’s vehicles. Listing both vehicles under one policy has its benefits and could avoid an unwanted problems.

Add Your Teen Driver

This is an area that makes some parents cringe as teen drivers usually cause insurance rates to skyrocket. Nevertheless, insurance companies have means of discovering teen drivers who are referred to as ‘hidden’ drivers. Failing to report a teen driver on your policy could end up costing you big, even if your teen is involved in just a minor fender bender.

Insure Your New Car Right Away

When buying a new car, there is sometimes a grace period allowed for the notification of coverage. It’s better not to take any chances and contact your auto insurance company before driving off in your new car. Contact Jeff Kincaid Insurance Hickory to get your policy started.

Borrowing Policies

Lending out your car to a friend is not against the rules of most auto and truck insurance policies. But if that friend has the car for a prolonged amount of time, there is often the need for them to obtain temporary insurance of their own. Many car insurance policies also have guidelines that negate extensive borrowing of a vehicle.

Watch Out For a Work Car

It is a given that most people use their car to commute to and from work. However, when you use your car for work, such as deliveries or other work-related duties, you will need auto insurance that is classified as commercial or business-use.

Giving the Gift of Driving

It is not uncommon for people to give their cars to a relative or loved one. While this is a very noble gesture, make sure the recipient purchases their own insurance policy for the vehicle. And if that new owner resides out of state, purchasing a new policy is pretty much a necessity.

Jeff Kincaid Insurance

When it comes time to get the right auto insurance for you, contact the experienced team of professionals at Jeff Kincaid Insurance. Whether you are looking to purchase motorcycle insurance, car insurance, or RV insurance in Hickory NC, an agent at Jeff Kincaid Insurance can match you with the right policy.

Wednesday, April 13, 2016

The Essentials of Buying Commercial Property Insurance

The oldest forms of business always needed an actual place to conduct business. That still rings true today and there is still a need to protect actual businesses. That has led commercial property insurance to become as much of a necessity as it has ever been.

No business is exempt from the threat of break-ins, fire, water damage or natural disasters. Commercial property insurance can account for losses and any damages to an existing business. However, there are some essentials everyone owner should know when it comes to purchasing commercial property insurance from Jeff Kincaid Insurance Agency Hickory.

The first area of concern is what exactly is covered in the event of a fire, theft or natural disaster. The actual property is covered as well as the personal property within the building. This extends to all inventory, business records, supplies, computers and other items pertaining to the business. But the coverage does not stop there as things like furniture, chairs and other interior items are also insurable.

Commercial property insurance does not include things like disability or life insurance. If some type of disaster strikes your business, the property is covered but there is a need to purchase other policies to protect anyone who is hurt during that disaster.

Business owners can purchase those other policies that will protect them and their employees, but those policies need to be written separately. The same goes for any company vehicles as those vehicles need to have their own commercial auto insurance coverage.

Damage to the actual property that comes with age and ordinary wear and tear is not covered by commercial property insurance. The same goes for the property inside of the business. There has to be some type of disaster, theft or fire responsible for that damage in order for it to be covered through a commercial property insurance policy.

Local power failures or power surges are a few more occurrences that are not covered. And when it comes to theft, there has to be some kind of documented evidence in regards to the stolen property. It is also important to note that any damage that results from an act of war is not insurable.

Knowing the types of NC business insurance needed and understand the details of those policies can be tedious especially for a busy business owner. But your business is too important to leave unprotected and that is why Jeff Kincaid Insurance in Hickory NC will help get the right commercial insurance for you. No matter what kind of commercial property you own, make sure it is protected with a little help from Jeff Kincaid Insurance.

Wednesday, March 2, 2016

Questions To Ask When Buying Homeowners Insurance

There is a long line of options for people to choose from when it comes time to purchase homeowners insurance in Hickory NC. It can be confusing and sometimes overwhelming. That is why it is important to always ask the right questions while buying homeowners insurance. Here’s a look at some of those questions.

How Much Would it Be to Rebuild My Home?

A total loss would mean that you would need to rebuild your home. Fortunately, there is an option regarding the total amount the insurance company would be responsible to pay when rebuilding your home. This would cover the cost of labor and building materials. An insurance agent should be able to assist you in calculating the costs of a rebuild.

What is the Amount Needed to Replace My Belongings?

The amount of valuables in your home will indicate how much coverage you need for your personal belongings. There are limits you can set on how much coverage is needed on damage to your personal belongings. It is a good idea to go over a list of your valuables with your insurance agent at Jeff Kincaid Insurance Hickory North Carolina so that you can determine the amount of coverage that is right for you.

Is There a Need For Additional Coverage?

The most common form of additional coverage is flood insurance. Should a flood damage your home, there is a need for an additional specialty type of insurance as you will not be covered by your homeowner’s policy. This usually comes highly recommended as people cannot rely on their homeowner’s policy for this random act of nature.

Am I Eligible For Any Discounts?

Certain safety features within the home will qualify you for a discount on your premium. Fire prevention systems and security systems will both reduce your rate. If you recently installed a new roof, that will also qualify for a discount. It is best to ask your agent about any potential discounts.

What is Covered?

It may seem like a simple question, but one that needs to be asked. Always make it a point to know what is covered and what is not covered. If you are unsure about any part of your policy, don’t hesitate to ask. Never leave a meeting with an agent without asking about every hypothetical scenario you can imagine.

The specialists at Jeff Kincaid Insurance of Hickory NC take the time to walk you through the entire process of purchasing homeowners insurance. Jeff Kincaid Insurance can also take care of your needs when it comes to Hickory NC commercial insurance, business insurance, auto insurance and much more. With more than 25 years servicing the Hickory NC and surrounding area, there is no better place to go for insurance.

Wednesday, February 17, 2016

When Not To File An Auto Insurance Claim

Auto accidents happen all the time and while some may be very severe, there are a lot of fender benders that cause only minor damage. There are many reasons to file an auto insurance claim, although it is not always advisable. Here’s a look at which incidents are better off left alone.

Little Dings and Nicks

Normal wear and tear is going to expose your car to a little ding or nick every now and then. If you try to report every minor ding to your auto insurance company, one of two things will likely occur. First, your insurance provider is going to grow tired of those constant claims and eventually drop you as a client. The other option they have is to raise your premiums so that you wind up paying more than you receive on your claims. 

One-Car Accidents

Say you hit a patch of ice and slowly glide into a nearby tree. The damage to your car is only minor and you have not been injured. There was no one else involved, so there is no need to make a record of it. Fixing the minor damage yourself is a small price to pay compared to higher insurance rates in the future.

You Can Afford the Fix

If your auto accident does not require a trip to the hospital, it sometimes makes sense to pay for all your damages out of your own pocket. Reporting a claim might pay for damages now, but it could also increase your rates. Saving a little now could wind up causing you to pay more in the long run. There is also the deductible to consider. You have to ask yourself whether filing a claim will literally be worth it. Jeff Kincaid Insurance Agency in Hickory can answer all of your questions when it comes to filing a car insurance claim. 

Having a History of Claims

Insurance companies keep records of all your claims. If you keep filing claims, the company could exercise the option of not renewing your policy. You are then free to obtain auto insurance through another provider, although that provider will likely increase your rates because of your past record. If you develop a history of filing claims, it would be wise to be a little more selective in regards to which claims you file in the future.

With a long history of experience in the industry, a qualified insurance agent will advise you on how to handle your claim. Also offering North Carolina recreational insurance, commercial insurance, business insurance and more, Jeff Kincaid Insurance is always right there for you.

Wednesday, February 3, 2016

What Kinds of Insurance Small Business Owners Should Have

Building a business takes a lot of work, which means there are a lot of small details to cover. Some of those details involve purchasing the right insurance and that even goes for smaller businesses. Here is a look at some of the different types of insurance offers that can benefit a small business.

General Liability

General liability insurance is recommended for every small business, even ones that are based out of the owner’s home. Some people tend to believe that any damages or injuries will be covered by a homeowner’s policy. However, that is not the case. A homeowner’s policy cannot be used to cover the cost of damages to any equipment used for the business.

Life Insurance

In a small business, the owner is likely going to be the heart and soul of the business. That means if the owner dies, the business usually dies as well. That could leave the owner’s family in dire financial straits. To make sure family members are provided for, it is very important to purchase some kind of NC life insurance.

Business Interruption Insurance

If a business shuts down because of damages to the actual structure, then property insurance will cover the cost of repair. However, that means the business will be closed down for a while and no money will be coming in. Business Interruption insurance makes sure you still have some income while your business is not operating.  

Data Breach Insurance

Sensitive business information is not reserved for file cabinets any longer. Nowadays, a good deal of sensitive information is stored on computer hard drives. Should that data be compromised or stolen, data breach insurance protects the business owner. Computer server issues can also lead to the loss of sensitive information, which makes data breach insurance even more important.

Disability Insurance

Unforeseen accidents could happen at any moment and they could leave small business owners unable to run their day-to-day operations. There are disability policies that will pay you if you are injured and cannot go back to work. Buying a group disability policy can provide a cheaper rate while also providing that same disability coverage to your employees.

If you are a small business owner looking for any kind of insurance policy in and around Hickory, contact the team of professionals at Jeff Kincaid Insurance. Our agents will work to find you the best insurance policies at the most affordable rates.

Thursday, January 21, 2016

Motorcycle Insurance Includes a Host of Hidden Benefits

The general purpose of motorcycle insurance is rather obvious, although there are other features which can serve as a great benefit to owners. Here’s a look into some of the not-so-common ways that motorcycle insurance can be of service.

Customize Your Policy

The same way motorcycles are customized, insurance policies can be customized as well. There is no reason an insurance agent cannot write you a policy that is specific to your exact bike and its modifications. That means you have the option of insuring all the extra add-ons you have installed on your motorcycle.

Insure Your Motorcycle Gear

Operating a motorcycle comes with some additional purchases, like buying protective clothing, gloves, helmets and eyewear. This kind of gear is not always cheap. As part of your policy, you can make sure that your gear is covered in the event that it is damaged.

Discounts Are Available

The same way car drivers are candidates for insurance discounts, so are motorcycle operators. A safe driving record usually earns a discount as does taking certain safety courses. Insuring more than one motorcycle will lower your rate and you can also combine your policies for a lower overall rate. Insuring your home and motorcycle through the same provider will almost always come with a discount.

Coverage on the Road

Many motorcycle enthusiasts will take long trips in which they leave the state. Adding extra protection could come in handy. For example, trip interruption can be added to your policy to offer some added protection on road trips. Should a problem arise with your bike, you will have the peace of mind to know you are protected. Roadside assistance is also offered and that could even come in handy close to home.

Immobile Issues

There are options for protecting your motorcycle, even when it is sitting idle in storage. This is the same kind of protection that would protect your motorcycle from vandalism or theft. It is important to make sure that your motorcycle is covered even when it is not being used on the road.

Jeff Kincaid Insurance in Hickory is able to customize your motorcycle insurance policy to fit your exact needs. Our agents know how important motorcycles are to their owners, which is why every preventive measure is offered to each client. Jeff Kincaid Insurance is North Carolina’s top insurance agency featuring the best in motorcycle insurance, auto insurance, business insurance and more.