Let a recreational insurance policy protect your fun!

The team at Asheville Insurance Center knows just how fun toy vehicles can be, especially in the beautiful natural areas surrounding Asheville, NC. We want to help you protect your fun with a recreational insurance policy. Come by our office or give us a call to learn more about the policy options available in our area. 

Protect your fun with a recreational policy

Owning a snowmobile, ATV, or similar recreational vehicle is a great way to spend time outdoors with friends and family. If you haven’t fully insured your recreational vehicles, now is an ideal time to do so. Many people have questions about recreational insurance, especially those who only operate their vehicles on private land.

Even when you are riding your vehicles exclusively on private land, you’ll still want to have adequate insurance protection. If there is ever a situation where someone is injured while riding your vehicle, you will want to have the right insurance in place to cover any associated losses. 

Liability can be a significant financial concern for anyone who owns recreational vehicles. No one wants to have personal liability. In addition to liability protection, you may want to consider comprehensive coverage. This robust coverage option will help protect you from financial loss due to the theft or vandalism of your covered vehicle. There are many benefits to carrying a comprehensive recreational insurance policy, and now is an ideal time to learn more. 

Call or stop by today!

Residents in the greater Asheville, NC area can turn to the team at Asheville Insurance Center for all their insurance needs. If you aren’t sure just how to protect your ATV or other recreational vehicles, we are here to help. Call or stop by today!

Why All Renters Need Renters’ Insurance

When You have signed a lease on a home, it’s vital that you have renters’ insurance from day one to protect yourself. Most of the time, landlords will require proof that you have this insurance to sign your lease. It’s important to landlords that you have this insurance, which should be important to you as a renter. It’s never a good idea to go without this valuable coverage. If you need a renters’ policy, call us at Asheville Insurance Center in Asheville, NC.

Protection for Your Things

You have a lot of belongings inside your rented home, and they all need to be protected. With renters’ insurance, they are. These policies include a lot of protection for your things so that if they are destroyed or have something else happen to them, the policy can pay for you to get them all replaced. This can save you from paying out of your pocket to replace everything. It can help you to get your life back to normal after a serious incident has happened to you. 

Protection for Your Liability

Another risk in your rental home is being liable for injuries and accidents. When anyone comes to your home and gets injured there, it will likely be up to you to pay for everything from their lost wages to their medical bills. To protect yourself against this liability, renters’ insurance covers it. When an accident happens, and someone is injured, your renters’ policy will pay what you owe. This means that the injured party doesn’t have to sue you to pay their expenses after being injured. 

Cover Yourself With Renters’ Insurance

If you don’t have your renters’ policy yet, it’s time to call us at Asheville Insurance Center in Asheville, NC.


What Should I Do if I Have an Accident While Driving my Motorhome?

Accidents happen, even when we’re being careful. We must have a clear plan for what to do next when they happen. If you’re driving your motorhome and have an accident, use this guide to help you through the process.

Check for Injuries and Call 911 if Necessary

Swiftly check yourself and your passengers for injuries. If you or anyone else is seriously injured, call 911 immediately. An ambulance can transport you to the nearest hospital for treatment. Some common injuries in auto accidents are whiplash, back and neck pain, concussions, and broken bones.

Move to a Safe Location

Once you’ve confirmed that everyone is okay, the next step is to move your vehicle to a safe location. If you can drive, pull over to the side of the road. If your car is not operational, turn on your hazard lights and wait for help. Getting out of the way of oncoming traffic is essential to avoid further accidents.

Get a Police Report

The police will come to the accident scene and file a report. This report will be important for your insurance company. The police will also help direct traffic and ensure everyone is safe.

Be sure to get the name, badge number, and contact information of the officer who filed the report.

Contact Insurance Agent

After the accident, you need to contact your insurance agent, like Asheville Insurance Center in Asheville, NC. They will help you file a claim and start the process of getting your vehicle repaired. Your insurance company will pay for the repairs if you have comprehensive or collision coverage. If you don’t have this coverage, you will be responsible for paying for the repairs yourself.

Don’t have motorhome insurance? Be sure to contact Asheville Insurance Center in Asheville, NC. We’re here to help you through the process and get you back on the road. Give us a call today.

What Kind of Insurance Do You Need For an RV?

RV insurance can be a tricky subject. Ultimately, you want something affordable that provides the financial protection you need for your RV. Asheville Insurance Center, serving the Asheville, NC area, is committed to helping everyone find the best insurance policy for their needs. This includes answering questions such as what kind of insurance you need for an RV and what policies will serve you and your family the best going forward. You deserve to feel safe and protected in your RV, both physically and financially.

Generally, liability coverage is almost universally required for RVs since they’re big vehicles that can do significant damage in the event of an accident. In most cases, liability coverage for a motorhome will only be available under a proper RV insurance policy. Regarding a travel trailer, coverage is usually provided by the towing vehicle’s policy rather than by a separate one. If you’re unsure what policy is best for you, a standard RV insurance policy will give you the basics of what you need.

Contact us at Asheville Insurance Center today for more information about your options when it comes to RV insurance policies. We’re proud to serve the Asheville, NC area and are happy to help those in need make sense of RV insurance and understand their options. You deserve the peace of mind when traveling in your RV, whether flying solo or on a family trip. Stop in or call us today, and we’ll help you find the insurance policy that fits your needs.

Do I Need Motorcycle Insurance With a Loan in Asheville, NC?

You’re considering a loan to pick up a new Harley or Honda in Asheville, NC, but you’re unsure if you need to get insurance. Here’s a quick rundown of what you need to know.

Who Needs Insurance for a Motorcycle?

In North Carolina, all motor vehicles require liability insurance. This protects you financially if you are found responsible for an accident with injuries or property damage because of your negligence. Your loan company will require you to have full coverage insurance on your new motorcycle to protect the investment.

How Much Insurance Do I Need?

Most loan companies will require you to have full coverage insurance with collision and comprehensive coverage. This will protect your motorcycle from theft, vandalism, fire, or weather damage and accidents. The amount of coverage you need will depend on the value of your bike. You can get an estimate from your Asheville Insurance Center representative.

Is There a Gap in My Insurance Coverage?

There will be a gap in your insurance coverage when financing your motorcycle until you pay the loan off. If your motorcycle is totaled in an accident or stolen, you will still pay the entire loan amount to the lender, even if your insurance only pays out a portion of it.

You can protect yourself from this by adding gap insurance to your motorcycle insurance policy. This will cover the gap between what you owe on your loan and what your insurance pays out in the event of a total loss.

What is Full Coverage Insurance?

Full coverage insurance goes beyond the minimum protections required by law. It includes collision and comprehensive coverage to help pay for repairs or replacement of your motorcycle if it’s damaged in an accident, stolen, or vandalized.

Speak with your local Asheville Insurance Center agent to learn more about what coverages are right for you.

When it comes to liability protection, having an umbrella policy is the way to go

The team at the Asheville Insurance Center is proud to help the greater Asheville, NC business community protect their companies. We understand just how much hard work and dedication run a successful business, and we are here for you. Schedule an appointment today to minimize your firm’s liability risk.

Reduce your liability risk with an umbrella policy

Because we live in a litigious world, liability risk continues to be an area of concern, especially for small business owners. Unfortunately, a firm’s primary property policy or commercial insurance may prove inadequate regarding liability protection. 

Primary policies typically have limits, and once those limits are reached and exceeded, the financial responsibility can revert to the company. And depending on how the firm is structured, principals in the organization can be held personally responsible for damages. 

If you are unsure if your firm has the liability protection it needs, it’s time to sit down with your local agent to review your policy. With umbrella insurance in place, you will have additional coverage if and when your primary policy is exceeded. This type of protection is especially important for firms operating in industries with a high risk of legal action. It’s also helpful for business owners who have a high likelihood of slip and fall type of suits being brought against them. Find out more today!

Contact our office today

Businesses in Asheville, NC and nearby communities turn to Asheville Insurance Center to protect their assets. Liability risk continues to be an area of concern for business owners, and we can help you find the proper protection. Set up a consultation today, and let us help protect your company.

Does your home need flood insurance?

The team at Asheville Insurance Center is here to answer all of the insurance-related questions that residents in the greater Asheville, NC area may have. If you wonder if flood insurance is right for you, we can help. Give us a call today and schedule a meeting with one of our friendly and knowledgeable team members. 

Is flood insurance necessary for your home?

Even when your lender does not require it, flood insurance can still be a brilliant idea. There are many times that floods will occur in unexpected areas, and the damage caused in such scenarios is usually not covered by a homeowner’s policy.

Sitting down with a local and qualified agent can help you gain the information to make an informed decision. Not all areas of our community need flood insurance, but it is essential to look into the possibility of a flood affecting your property.

We can help you obtain the information and data you need to help you decide if this type of insurance is necessary for your situation. And while you are making your decision, be sure to review your current policy to understand further what protection it offers against flood damage.

Most homeowners’ policies provide some level of protection when it comes to water damage but do not provide any coverage for damage resulting from a flood. Be sure to understand exactly what coverage you already have, and then decide if a flood insurance policy can help fill any gaps in your coverage.

Learn more about flood insurance today

Asheville Insurance Center is here to meet the insurance needs of the greater Asheville, NC community. If you would like to find out more about flood insurance, give us a call today.

Condo Insurance FAQ

Condo life provides many benefits. You will not need to worry about property taxes, maintenance, or even yard work in most cases. Condos also offer great security and a fun community atmosphere. However, it is essential for those who live in a condo to consider condo insurance. At Asheville Insurance Center, serving Asheville, NC, we can help you better understand this critical type of insurance coverage. Keep reading to learn more. 

What Is Condo Insurance?

Condo insurance is a special type of renter’s insurance designed for condo life. Condo insurance will provide coverage for things that your landlord’s insurance does not cover for you. For instance, if your condo is damaged somehow, your personal belongings will be lost. The landlord’s insurance is not responsible for paying to have those items repaired or replaced. That expense will come out of your pocket. This could be financially challenging. 

Isn’t Insurance Included In My Rental Agreement?

Each condo will provide different benefits for tenants. It is crucial that you review your rental agreement to understand what is fully and is not covered. In most cases, the condo owner will have insurance to protect only certain parts of the condo complex. Things within your condo are often not protected. 

What Does Condo Insurance Cover?

Condo insurance provides coverage for your personal belongings and any parts of the condo that are generally not covered under the owner’s policy. You will need to review your rental agreement to pinpoint exactly what is and is not protected in your condo. This can vary greatly from condo to condo. 

If you would like to learn more about condo insurance or any other services, don’t hesitate to contact us at Asheville Insurance Center, serving Asheville, NC, and the surrounding areas. 


Which optional auto insurance coverages should you buy?

Auto insurance comes with many coverages designed to cover different aspects of your policy.  The minimum liability coverage required by law is not enough to cover theft, collisions, vandalism, and injuries. That’s why Asheville Insurance Center recommends checking optional coverages to help protect yourself and your loved ones. This article will help you understand some of the optional coverages and what they cover.

Roadside assistance

This coverage is designed for emergencies. It helps you find assistance when you run out of gas, need a spare tire, or if you’re locked out of your car. It also covers towing expenses to the nearby garage if your vehicle breaks down. Roadside assistance is essential for drivers who spend long hours on the roads.

Collision and comprehensive coverages

Collision and comprehensive coverages protect your car from theft, fire, vandalism, and other damages. They pay for your injuries and repair your vehicle in case of a collision with another vehicle, tree, rock, wall, or animal.

Towing and labor coverage

Most insurance companies in Asheville, NC offer towing and labor insurance as a separate policy. However, you can still find options that include towing in your road assistance coverage. Towing can be pretty expensive, which explains why most companies include it separately. The cost typically varies based on the towing distance.

Glass coverage

If you have bought a windshield before, you know how expensive it can get. Windshield damage is quite common, which prompted insurance companies to include coverage that pays for a damaged windshield. Most coverages also include the rear windows, side windows, and sunroofs.

Looking to add some optional auto insurance coverages? Feel free to contact Asheville Insurance Center in Asheville, NC to find the right coverages for your auto insurance needs. Call us today!

4 Benefits of Commercial Insurance in North Carolina

Owning a business is a dream come true for many. While it’s a good way to earn a living, it comes with many risks. Fortunately, you can mitigate these risks by having commercial insurance in place. That said, there are several benefits of purchasing quality commercial insurance. Here are the benefits you will enjoy when you buy commercial insurance from Asheville Insurance Center in North Carolina.

Liability protection

Liability claims can be costly to the point of leaving you with debts. Any business selling a service or a product attracts a certain amount of liability. For example, you will be held accountable when a customer gets hurt by using your products or service. Thankfully, commercial insurance protects you against these risks.

Asset protection

Every business has some valuable assets that are costly to replace. And it would help if you had a good plan to protect these assets. Fortunately, commercial insurance is a great option. In an unthinkable event like fire or theft, the policy steps in and pays you to replace the lost assets.

Employee protection

Employees are your greatest asset. Not even your products or service can replace your employee’s worth. The law requires that you get workers’ compensation insurance if you have employees. This coverage protects your employees against injuries and illnesses. Plus, it covers partial loss of income and final expenses.

It gives your business an added advantage

Many investors want to associate with a business proactive in risk management. The same principle applies to customers and contractors alike. Commercial insurance boosts your business reputation, setting it apart from other businesses.  

Commercial insurance in Asheville, NC

We can conclude that the future is unpredictable and that every business needs commercial insurance to back it up. If you are in Asheville, NC, and its environs shopping for commercial insurance, look no further than Asheville Insurance Center. Contact us today for an affordable quote.