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.