How Much Motor Home Coverage Do I Need?

If you live in or near Asheville, NC and own a motor home, you’re likely proud of your purchase. While owning a motor home certainly has its perks, certain responsibilities come with owning one. A critical aspect of owning an RV is ensuring adequate insurance coverage for protection. You might wonder how much motor home coverage is needed. Here is an overview that can help you decide.

What’s Legally Required?

If you own your RV and aren’t making payments, only liability insurance is required in North Carolina. However, if you’re financing your motor home, just like financing a car or truck, full coverage insurance is required. This is protection for you if the RV was to incur some damage.

What is Your RV Worth?

To be sure you have enough coverage on your motor home, you need to have it professionally appraised so you will know exactly what it’s worth. Once you know its worth, you can ensure you purchase coverage for at least that amount. This will enable you to repair or replace the motor home easily. 

How Often You’re Using Your RV

If you only use it once or twice a year, then you might not place a high priority on coverage. However, if you go on trips much more frequently, the chances of becoming involved in an accident increase, so your coverage should, as well. 

So, if you’re ready to protect your motor home so you can enjoy many future trips without worrying about potential accidents, theft, or vandalism, then call us at Asheville Insurance Center. We pride ourselves on providing top-notch customer service, as we go above and beyond to ensure all our customers’ needs are met, if not exceeded. 

What is the value of having a RV insurance plan in North Carolina?

Many people who reside in the Asheville, NC area will find it a great place to own an RV. When you are an RV owner in this area, it will allow you to see the country by providing a safe mode of transit and a place to sleep at night. With an RV purchase, you also need insurance as it offers various benefits. 

Meet Requirements Set

All owners of RVs will want to ensure they have an RV insurance plan at all times so they can meet any requirements set for them. Having an RV insurance plan is typically required by lenders of RV loans to protect their collateral. Further, you will need to have this insurance to remain in good standing with state law surrounding auto liability coverage. 

Protect Your Assets

Having an RV insurance plan to protect your assets continues to be a good idea. Those that are going to invest in an RV will want to be able to enjoy it for a very long time. A great way to ensure this happens is by getting RV insurance. Maintaining this coverage will offer the support needed to replace or repair the RV if you incur theft, accident damage, or other types of loss. 

No matter where you live in the Asheville, NC area, you need to maintain a proper insurance policy if you are an RV owner. When you are ready to start looking for coverage here, it can be helpful to call our team at the Asheville Insurance Center. There are a lot of choices to make when you are looking for this coverage, and at the Asheville Insurance Center, we can help you build a new plan.

Three Ways To Stay Safe on Your Motorcycle

Owning a motorcycle can be exciting and a great way to save money on gas. However, it is essential that you know how to stay safe on your bike. Here at Asheville Insurance Center, serving Asheville, NC, and the surrounding areas, we want to help you stay safe on the road. Keep reading to learn more. 

Avoid Biking in the Rain 

One way to stay safer on your bike is to avoid riding in the rain. Rainy conditions increase the risk factors of motorcycle driving. With only two wheels, and nothing surrounding you for protection, it can be easy to lose control of the bike and experience an accident. It is better to have a backup form of transportation for bad weather conditions. 

Take a Motorcycle Safety Course

Participating in a motorcycle safety course is an excellent way to learn all about motorcycle safety and best practices. Most people think if they know how to drive a bike, they must know all there is about motorcycles. This is not true. A motorcycle safety course will be taught by a seasoned bike enthusiast who is well-versed in keeping people safe while biking. 

Observe Speed Limits

Speeding is always dangerous, but when you are driving a bike, this becomes even more of a risk. Accidents are proportionately worse when drivers are traveling at high speeds. Your reaction time is much reduced as well. When you speed on your bike, you put yourself and others at unnecessary risk. 

If you want to learn more about motorcycle insurance, please get in touch with us at Asheville Insurance Center, serving Asheville, NC, and the surrounding areas. We will happily answer your questions and find you the right insurance policy today. 

Is umbrella insurance only for the wealthy?

One of the many myths surrounding umbrella insurance is that it is only for the wealthy. Nothing could be farther from the truth. What it does is help protect your wealth from the many dangers that put it at risk. At Asheville Insurance Center in Asheville, NC, we can dispel the myths about umbrella insurance and help you to understand what value it has for you. 

What is umbrella insurance?

Umbrella insurance is excess liability coverage that can supplement any policy you already have with liability protection. Many different types of insurance policies have liability coverage as one of their lines. Policies like home, auto, condo, renters, and more all have liability coverage. When you choose to add an umbrella policy to your coverage, your primary policy will pay up to its limit, and then the umbrella policy will add the additional coverage. Usually, umbrella policies begin at around one million dollars. 

Who should have umbrella insurance?

If you are wealthy, you most certainly should have umbrella insurance. But anyone with assets should protect what they have worked hard to earn. This can be the home you love, a cherished collection you have accumulated, or even your vehicle. Defining wealth is a very fluid thing. A millionaire defines wealth differently than a young comic book collector. Still, at the end of the day, they can benefit from an additional liability coverage to protect their possessions from being lost to legal action against them. 

At Asheville Insurance Center in Asheville, NC, we are independent insurance agents who work hard to ensure our customers have the insurance they need to protect their assets. Call us to learn more about umbrella insurance and what it can do for you. 

A Quick Look at the Biggest Floods in American History

Floods are one of the most devastating natural disasters on Earth. Because they are so devastating, standard homeowner’s insurance policies often don’t cover them. Instead, you may need to take out a flood insurance policy. Otherwise, you and your family could be left on the hook for all the damages. Contact Asheville Insurance Center, serving the greater Asheville, NC area, to discuss coverage options.

Let’s take a quick look at floods so that you better understand the damage they can incur and why it’s wise to have a flood insurance policy in place.

A Look at Modern Floods

There have been many significant floods throughout American history. As severe as flooding can be in the United States, many countries have suffered far more catastrophic events. For example, the 1975 Banqiao Dam flood in China claimed hundreds of thousands of lives.

In 1927, the Great Mississippi Flood claimed five hundred or more lives, making it one of the deadliest floods in American history. The flood caused at least a billion dollars in damages, which is a lot of money in today’s terms. Back then, the real costs were much, much higher. Costs associated with the Great Mississippi Flood totaled about a third of the entire federal budget. Today, the federal budget exceeds four trillion, meaning if costs were scaled up to today, the flood caused more than a trillion dollars worth of damage.

More recently, the Great Flood of 1993 claimed more than 30 lives. In terms of damages, it costs about $27 billion in today’s dollars. The flood raged for months, starting in April and not fully residing until November. Large swaths of the United States concentrated near the Mississippi River, were impacted.

Floods can impact the Asheville, NC area, so if you’d like to discuss coverage, contact the Asheville Insurance Center.


Does Condo Insurance Cover Repairs?

Many events might have sparked your search when you’re looking into condo insurance in Asheville, NC. Maybe you have a faucet that is always leaking or a hole in the wall that needs to be patched. Or perhaps you’re just thinking of the future costs of repairs for your condo and wonder if condo insurance could make these fixes more affordable for your budget. Whatever the case, Asheville Insurance Center is here to help you decide if condo insurance might be right for you.

What does condo insurance cover?

Similarly to home insurance and renter’s insurance, condo insurance typically covers some combination of liability related to the condo, the replacement of certain valuables in the event of theft or disaster, and repairs under certain circumstances outlined in the specific policy.

Does condo insurance cover repairs?

While every condo insurance policy has different terms, condo insurance policies can sometimes cover repairs in specific situations. For example, a condo insurance policy might cover repairs after a break-in or a qualifying disaster such as a house fire. These kinds of coverage might have limits or qualifying factors.

For a renovation to your condo for cosmetic purposes, finding a condo insurance policy that provides coverage for this type of repair might be difficult. Still, questions surrounding what repairs are covered and not covered are great to ask our insurance agents. That way, you can decide if condo insurance is right for your needs.

Even if a condo insurance policy does not cover certain types of repairs, having one is worthwhile, just in case.

If you want to know how our condo insurance policies can help you prepare for emergencies, call Asheville Insurance Center in Asheville, NC today!

How Does Condo’s Insurance Differ From Other Homeowners Coverage?

Like any other dwelling, owning a condo comes with many responsibilities. One of those responsibilities would be finding the proper homeowner’s insurance for your unit. So what is condo insurance, and how does it differ from regular home insurance? At the Asheville Insurance Center, we’re here to explain that.

What Does Condo Insurance Cover?

Condo insurance is the type of financial coverage that protects your condominium against losses. Those losses could be anything from theft to property damage. Suppose your condo has recently experienced property damage in the form of a break-in, a storm, or a structural collapse. In that case, you may be eligible to file an insurance claim at our agency. If you’re facing a lawsuit over the property, our team may also provide additional services related to liability coverage.

How is Condo Insurance Different?

In contrast to regular homeowner’s insurance, this kind of coverage tends to focus on the needs of the condo owner. Some homeowner associations will ask you to find an insurance plan that meets certain building requirements or insurance policies – sometimes from a specific type of provider. After consulting your HOA over the insurance requirements that need to be met, you can find an insurance provider focused on your condo’s needs; this sometimes includes home maintenance or landscaping duties. 

Condo Insurance in Asheville, NC

Are you looking for quality condo insurance in North Carolina? At the Asheville Insurance Center, our team recognizes that owning a condo comes with unique expectations. We’ve developed an approach that’s designed around working with you and the condo’s HOA team. If you’re interested in learning more about the policies we offer, contact our agency to get started. 

Who needs commercial insurance?

Commercial insurance is an essential part of any business. It provides financial protection to businesses against various risks and losses. This type of coverage helps protect the business in the Asheville, NC area from potential lawsuits, property damage, liability claims, and other financial issues that may arise from doing business.

For any organization–from a large corporation to a small home-based business–purchasing commercial insurance is essential for protecting its interests. Commercial insurance covers many areas, including property damage, general liability, errors and omissions (E&O), product liability, workers’ compensation, cyber security, professional indemnity, and more.

Business owners who are just starting should be particularly proactive about obtaining adequate commercial insurance coverage. Having the right coverage can help protect a business from financial losses if something unexpected happens. Even established companies need to review their policies regularly and ensure they are up-to-date on any changes or regulations in their industry.

Commercial insurance is also essential for business owners who employ staff, as this type of coverage can provide protection for the employer’s legal obligations and liabilities related to employee injury or illness. Employers should ensure that their commercial insurance policies cover all liability aspects, including workers’ compensation, disability benefits, and unemployment insurance.

Businesses that operate in different states will often require separate sets of policies depending on the state laws that apply to them. Companies with employees working in multiple states may find it beneficial to consult with an insurance professional at Asheville Insurance Center who is knowledgeable about each state’s different regulations.

If you have additional questions, call us at Asheville Insurance Center today. We proudly serve the Asheville, NC area.

Three of the most important rules to follow when you purchase motorcycle insurance

There are a few important rules you should always follow when you purchase insurance as a motorcycle owner in Asheville, NC. Asheville Insurance Center offers motorcycle coverage policies to bikers that could meet your insurance needs.

Three of the most important rules to follow when purchasing motorcycle insurance are the following. 

Figure out which types of coverage you want before you shop for a policy

Liability insurance is a type of motorcycle insurance coverage that you have to purchase.

Numerous optional types of motorcycle insurance coverage to consider include collision, comprehensive, uninsured/underinsured, and lease/loan gap coverage. You should know what these optional types of coverage are and decide whether you want them before looking for a policy. 

Don’t buy the first policy you’re offered.

Doing research is essential so that you find a policy that is suitable for your needs. There are a lot of options out there. Before buying a policy, you must thoroughly explore those options by researching price quotes and policy details from numerous providers. 

Check and see if you’re eligible for any discounts before purchasing a policy.

Motorcycle owners might be able to qualify for different policy discounts. Providers may offer discounts to motorcycle riders with perfect driving records. Discounts may also be available to motorcycle riders who have completed a defensive driving course or invested in certain safety features for their bike. 

Do you have questions about what you should do when you’re looking to cover your motorcycle with the right insurance policy? Ask us at Asheville Insurance Center. You can contact us for a quote on motorcycle coverage in Asheville, NC.

Why Should I Consider an Umbrella Insurance Policy?

Asheville, NC residents are not compelled by law to purchase umbrella indemnification, as this insurance is always voluntary. However, many choose to invest in this protection as it can guard against financial loss. 

Umbrella insurance always coexists with another policy and typically will have higher limits than your primary coverage. It will begin to cover your expenses once your other indemnification has been exhausted. 

When reviewing your financial picture and the types of insurance you have, it’s good to examine whether expenses could supersede the limits of your policies. In addition, umbrella insurance can extend to other scenarios that fall outside what is included in a primary policy. 

Suppose you have items that are costly to replace, for example, a cache of expensive jewelry or a collection of rare antiques. In that case, you may consider adding umbrella insurance to your homeowner’s coverage. Your Asheville Insurance Center representative can go over specific incidents that would be covered. 

If you have a business, you can add commercial umbrella insurance to your liability plans, extending to your property, automobiles, and more. Asheville, NC entrepreneurs face additional hazards regarding product safety and consumer satisfaction, as well as advertising requirements and the possibility of consequences due to errors and omissions. 

People who own boats and valuable equipment can also purchase umbrella insurance to cover them if their vessel is damaged or they hurt someone else in an accident. Motorists can also benefit from this coverage, as it can protect against financial loss incurred by lawsuits filed to seek redress for injury or property damage. 

We Are Here to Help with Your Insurance

Asheville Insurance Center endeavors to supply you with the proper coverage to suit all your needs. Contact us today by stopping in the office, calling, or contacting us online. We’re happy to work hard for you.