COVID 19, Your Insurance Policies, Our Agency, UPDATES

I wanted to take a minute to reach out to all of our clients, to bring you some updates in the insurance world that may affect you.

Last Friday the NC Insurance Commissioner issued an order to all insurance companies, premium finance companies, concerning those that have been financially affected by the COVID 19 Virus.

If you have suffered a financial loss, due to loss of a job, reduction in hours, and are having a hard time making ends meet. You may call the insurance carrier directly and ask for some assistance with your monthly insurance payment.

Each company is handling this a little differently. That is why you need to call them direct.  If you don’t have their number please call our office at 828-505-7222 and we can get that information to you.

Don’t be surprised if they ask you for some proof. as we are sure many people who have not been financially affected may try to take advantage of this option.

If you simply don’t pay your insurance bill, your policy will cancel, you will have to pay the reinstatement fees and could be subject to FINES from DMV…  So please call if you need assistance.

Our agency is committed to staying open during this time of crisis. HOWEVER, we will be implementing some new procedures until this crisis passes.

We can handle 99% of your needs over the phone and by email. things like payments, policy changes, even new policies.  So please feel free to call us at 828-505-7222.

To maintain Social Distance during this crisis, if you do need to come by the office, please call us at 828-505-7222 so we can set a time for you to come by.

In the event that this virus was to get out of hand, and we are forced to close the office,  we are equipped to work remotely.

So please call us at 828-505-7222 if you need anything. We are here to help you.

You can email us if needed at the following email address;

We encourage each of you to shelter in place, Stay Healthy, hopefully, this crisis will pass soon.

Lee, Liz & Rob

Must Have Insurance Coverage for RV Road Trips

Spring is an excellent time of year for an RV road trip. When planning your trip, make safety a priority by purchasing adequate RV insurance for your travels. The right coverage from Asheville Insurance Center in Asheville, NC will protect you, others, and your RV against incidents on the road.

RV Coverage Options

RV policies offer several coverage options, which include:


Liability covers injuries and property damage to others in accidents you’re responsible for. North Carolina requires that you carry minimum liability coverage to protect other drivers. RV collisions, however, tend to cause a lot of damage, which may exceed the limits of minimum coverage. To fully protect your assets against road trip accidents, it’s best to purchase as much liability coverage as you can afford.


Collision coverage helps pay for repairs to your RV if it’s damaged in a crash, regardless of who’s at fault. If you took out a loan to purchase this vehicle, your lender might require that you have this coverage. Even if you own your RV outright, collision coverage can save you a substantial amount of money in repair costs. 


Comprehensive coverage compensates you for the market value of your RV if it’s stolen. It also covers damage caused by non-collision events such as inclement weather, falling objects, and vandalism. These incidents are quite common when you hit the road.  

Uninsured Motorist (UM)

Road trips also put you at a higher risk of being hit by someone who doesn’t have sufficient coverage to pay for your RV damages. If this occurs, UM coverage will help cover your repair costs.

The right coverage will protect you against any eventuality, so you can enjoy your road trip to the full. Contact Asheville Insurance Center in Asheville, NC, today for all your RV insurance needs.

What are the motorcycle insurance requirements in North Carolina?

Motorcycle enthusiasts in the greater Asheville, NC area are fortunate to have such a beautiful area to call home and enjoy on the back of their bikes. If you are interested in getting a bike of your own, you may be wondering about the state’s insurance requirements. The team at Asheville Insurance Center is here to help guide you through the motorcycle insurance selection process as you determine which policy type and coverage level are right for your needs.

The state requires that motorcycle owners have three different types of coverage in their policies: bodily injury per person, bodily injury per incident, and coverage for property damage. We recommend comprehensive policies that also protect you from liability and uninsured drivers. 

Bodily Injury Per Person

This policy will provide coverage for each of the people involved in an accident, whether they are in another vehicle or are your passenger.

Bodily Injury Per Incident

Coverage also includes coverage per incident, which can help cover medical costs in the event of a covered incident. 

Property Damage

If you are involved in an accident that damages or destroys another person’s property or your motorcycle, this coverage will go into effect.

The state’s required coverage levels are quite modest, and if they are exhausted due to damages arising from a covered event, you can become financially liable for the uncovered amounts. It is advisable to opt for a comprehensive motorcycle policy that contains higher coverage levels and more in-depth coverage.

If you are interested in the motorcycle insurance policy options available here in the greater Asheville, NC area, call or stop by the Asheville Insurance Center today to meet with one of our agents. We are here to help you find the appropriate policy to meet your needs.

Is Umbrella Insurance A Good Idea For A Freelance Taxi Driver

There are many independent business opportunities today, and perhaps one of the most popular is a freelance taxi driver for a company such as Uber. These types of jobs require the operator to have full coverage insurance as well as a clean driving record. However, is it enough to rely on typical auto insurance coverage alone?

Driving For Wages

If you or someone you know is considering driving for extra income or is currently participating in this freelance job, they should find out what types of coverage are available to help protect from damages and additional liability. In some cases, it may be wise to have umbrella insurance in place. This will help prevent liability claims that exceed the protection that traditional insurance can afford to the consumer. 

Working With An Agent

The best way to find out what type of insurance policies and options work best for a freelance driver is to consult with an experienced agent. They can offer advice and suggest insurance coverage options that work for each individual situation. They can also explain the limits of coverage and help file any paperwork related to obtaining coverage or future claims. Those who are interested in finding out more can consult with Asheville Insurance Center, serving the residents of Asheville, NC. We can make the process clear and convenient.

Don’t drive without the proper insurance coverage in place. Get protection from liability and damages. Call or stop by Asheville Insurance Center serving Asheville, NC to find out more information and discover policy options that work for everyone. We will be happy to help you get a quote.

Benefits of getting North Carolina flood insurance

Owning a home in Asheville, NC can be a great long-term financial decision. If you are going to buy a home in this area, you need to ensure that you are correctly protecting it with insurance. One of the best ways that you can do this is by getting flood insurance. There are a variety of benefits that you can receive when you get flood insurance on your Asheville, NC home. 

Protects your Home Against Flood Damage

The main benefit of getting flood insurance on your Asheville home is that it will protect your property against flood damage. A big flood or other bad storms can cause a lot of damage to your property, and the only way that you can protect against this in some areas is by getting flood insurance. When you get this insurance, it will provide you with protection if your home is damaged by water or during a flood.

Makes sure that you are Compliant

While you will want to protect your home with flood insurance, having this coverage is also a good idea as it will ensure that you comply with the requirements set forth by a lender. In some situations, a bank or a lender will ask that you have a flood insurance policy if you are in a region considered high-risk. This will prevent further penalties and issues that can arise due to a lack of insurance.

Ultimately, having flood insurance on your property is very important. When you need flood insurance for your home, you should call the team at the Asheville Insurance Center. The insurance team at the Asheville Insurance Center can help you with all of your flood insurance needs. Our policies will ensure that your home is adequately covered and that you comply with all possible requirements that you have. 

3 Ways to Secure Your Condo From Intruders

Living in the western mountains of North Carolina includes a number of luxuries for Asheville, NC residents. With so many flocking to this thriving city, securing your property in your condo is essential. Below are some tips we offer to our clients at Asheville Insurance Center. 

Keep Your Windows Locked

Because many condos are several stories up, it is easy for condo owners to relax with security. Trying to capture that mountain breeze in Asheville, NC is something that many condo owners embrace. However, when you are away, it is best to keep these windows locked to keep intruders from getting creative and using your windows as an entrance into your condo. 

Add an Alarm System

If your condo did not come equipped with an alarm system, contact a local vendor in your area and have one installed. Systems today are able to include a camera device so you can see who is attempting to enter your condo. Most suspects will defer from burglarizing a home that has an alarm system installed. Make sure that you take security stickers and place on your door and/or windows to make intended thieves aware of the security in your home. 

Use Timed Lights When Away

If you are not planning to be in your condo for an extended period of time, then you should have lights with timers that come on at different times to give others the impression that someone is home. Again, this will keep thieves who may be watching your home the impression that someone is home and in the condo even though you are away. 

Call us today!

Get your ultimate security protection today when you choose condo insurance. Our agents at Asheville Insurance Center are ready to get you the protection you need. 

What Is A “No-Fault” Accident?

The agents of Asheville Insurance Center work with residents in and around the Asheville, NC area. We are always available to answer questions about their insurance and the various types of coverage they offer. Many customers have questions about "no-fault" accidents and how they affect a person’s insurance premiums. It’s essential to understand what a "no-fault" accident is and how they sometimes occur.

Circumstances Beyond Your Control

Circumstances that are beyond your control are primarily the cause of most "no-fault" accidents. An excellent example of this type of accident is if an animal runs out in front of you. There is only so much you can do to avoid the accident if an animal jumps into your path. It’s not your fault, but the accident occurred anyway in spite of your best efforts to prevent it. In some cases, one car might hit something that causes a chain reaction of accidents in its wake.

Single Car Accidents

Single car accidents that occur because of weather conditions or merely lousy road conditions may also be declared "no-fault." An unknown defect in your car may also lead to a single-car accident. Sliding on black ice or on surfaces that don’t appear to be slick can also result in "no-fault" accidents

If you live in the Asheville, NC area and have questions about "no-fault" accidents, call the agents at Asheville Insurance Center. They have the experience and knowledge to answer all of your questions. We can go over your existing policy to make sure you have the coverage you need. If you prefer, we can set you up with a new policy that bundles your home and auto into one convenient package. Call today and get the answers you’re looking for. 

Why Commercial Insurance Is Necessary

Every business in Asheville, NC needs commercial insurance to protect itself from lawsuits, random accidents, and more. You never know what is going to happen. There are different insurance policies to consider, depending on your business risks, with an agent at Asheville Insurance Center.

Accidents Can Always Happen: You can never guarantee that no one will slip on your walkway or trip over a cable inside the business. Accidents are always a possibility in Asheville, NC. If someone gets hurt, you may not have enough money on hand to pay for medical bills. With the right insurance, you can see your customers as customers and not just accidents waiting to happen.

Disaster Strikes When You Don’t Expect It: You may think a disaster will never happen to you but disasters will strike when you least expect it.  Are you prepared to open up one morning to see your business door smashed or an unexpected fire? These disasters can cost thousands of dollars in expenses and aren’t costs that are usually covered.

One Incident Can Ruin the Business: All it takes is one irate customer to ruin a business. Over 100 million lawsuits are filed every year in the U.S. If the case goes to court, liability cases could cost a lot of money and small businesses don’t usually have that kind of money.

Others May Not Have Insurance: What if someone else causes damage to your business? Ideally, the other person would pay for it with his or her own insurance or out of pocket, but we don’t live in this ideal world. If someone without insurance rams into your business with their car then you still have to foot the expensive repair bill.

Expect the Unexpected: Commercial insurance allows you to expect the unexpected so you can focus on what you do best: running your business.

Contact Asheville Insurance Center to get a quote on commercial insurance. 

Keeping Your Home Safe From Winter Storms

Keeping Your Home Safe From Winter Storms

Here in North Carolina, we get hit with winter storms from time to time. As a homeowner, you know the importance of getting your home ready for the cold months ahead. Check out these tips to keep your home safe from the ice, wind, and snow around the corner. 

– Check up on your home insurance policy, and make sure you’re comfortable with your current level of coverage. If you’d like to increase coverage, talk with your agent about your options. 

– Make sure your home has everything that you need for winter maintenance, just in case you’re unable to travel to get supplies. You’ve probably already thought about food and extra blankets for your family, but you’ll want to make sure you have plenty of salt, shovels, and snowblower fuel. 

– Check your roof before it gets cold. If you notice any areas in need of repair, call a roofing company. You’ll save buckets of money doing this now than if you waited until your house develops water damage from being unprotected during a snowstorm. 

– Clean out your gutters. The last thing you want during a storm is a mess of frozen leaves making it impossible for melting snow to drain off of your roof.

– For your pipes that are in an exterior wall, be sure to provide extra insulation. This doesn’t have to be expensive or complicated- simply wrapping them with a towel can get the job done. 

Call Asheville Insurance Center, Serving Asheville, NC

If you’re in need of a home insurance policy, or you’d like to discuss your current coverage with us, don’t be a stranger! Stop into our office to chat with an agent about how we can help.