Recreational Insurance & RV Vandalism

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When you drive a recreational vehicle, you might plan on getting scuffs and scrapes over time. What you do not plan for is your vehicle getting vandalized.

Asheville Insurance Center serving Asheville, NC understands that vandalism is a serious issue, and we know that many people have questions about whether their insurance plans cover vandalism. Here’s what you need to know.

Get Comprehensive Coverage

Liability coverage does not cover vandalism to your RV, and neither does collision coverage. If you want to make sure that your vehicle is covered, you should consider comprehensive coverage. Comprehensive coverage is intended for things that happen to your RV when it is parked and not in motion.

Each policy is different and has different requirements, so it is important to consult with an insurance agent before you decide which coverage is right for your RV.

Make Sure You Have RV-Specific Coverage

When you get a special RV policy, you can ensure you are covered even when you are at a campground. When you are camping or participating in other activities, you need to ensure that you have all your bases covered. Recreational vehicles are used differently than other cars, and you do not want to get stuck with a policy that does not protect you.

Talk About Your Recreational Insurance Options

Do you want to make sure that vandalism is covered? Asheville Insurance Center can help you insure your Asheville, NC recreational vehicle so that you have the most protection possible. An insurance professional can help you choose not only the right plan but also the right amount of coverage based on your RV use.

Is renters insurance required in Asheville, NC?

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Asheville, NC is one of the prettiest places to live in the United States. Nestled in the Blue Ridge Mountains, it is home to vineyards, Biltmore, and countless local markets. Being a renter in Asheville offers endless possibilities and unfortunately, like everywhere else, there are risks that could damage or destroy your rental. At Asheville Insurance Center we are a family-owned independent insurance company with many years of experience.

Having renters insurance is not mandated by the state of North Carolina or the city of Asheville. It is optional coverage. It is possible that a landlord or management company may require that you carry renters insurance, but in general, you don’t need to carry it. 

Is it a good idea not to have renters insurance? No, it isn’t. In spite of that, more than 60% of renters don’t have it. Given how affordable it is, that doesn’t make good sense. Some renters are under the impression that they don’t need renters insurance, that their landlord has insurance that covers them. This is misinformation. Your landlord does have insurance without doubt, but their insurance is to protect their building and that does not include your contents. 

Renters insurance in most cases includes three types of coverage. 

  • Contents
  • Liability
  • Loss of use

Content coverage like all similar insurance comes in two types; replacement cost and actual value. You decide what kind of coverage you want. Liability protects you in the event someone is injured while visiting your rental or by a member of your family. It pays for medical expenses, a judgment against you, and legal fees. Loss of use will help you to pay for a place to stay when your rental is not habitable. It also pays for food as needed. 

Contact Asheville Insurance Center in Asheville, NC for all your renters’ insurance needs. 

What to Do if After a Motohome Accident

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An accident involving a motorhome can be a scary event. Common causes of these accidents with accidents include inexperienced drivers, high winds, runaway trailers and overtired drivers.

If you have been in a motorhome accident in Asheville, NC, there are some steps you should take to protect yourself. 

Contact the police. If anyone was injured in the accident, you must call 9-1-1 for help so that everyone involved can receive the necessary medical help they need. Even if you are not injured, however, you must contact the police. This will also ensure you have a police report, which will be required if you file an insurance claim. This report will include all the accident details. Be sure to get the badge number and name of the responding police officer.  

Collect names and contact information. Make sure you get the names and contact info for the other driver and any passengers that may have been in the car. You should also get a description of the vehicle, including the make, model, and year, as well as their insurance company and policy number.  

File a claim. The next step will be contacting your insurance agent. The agent will be an essential step in paying medical bills or setting up repairs for your vehicle.

A motorhome accident can be scary, but when you know what to do when an accident occurs, you’ll be better prepared to react effectively.

Let Asheville Insurance Center Cover Your Motorhome
If you need insurance for your motorhome, the team at Asheville Insurance Center in Asheville, NC can build a comprehensive plan that will meet your needs. Call or visit our office to learn more.  

Optional RV Insurance Coverage Options

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The experts at Asheville Insurance Center understand that insuring an RV is both similar and different from insurance for a vehicle. Just like a vehicle, RV insurance includes limited liability, collision, and comprehensive coverage in the basic policy. Those in Asheville, NC have many additional, optional RV insurance coverage options available. Having different options available helps customize RV insurance based on what you need. 

Basic RV Coverage

Most RV insurance policies offer standard coverage options, providing basic coverage and protection. Basic RV insurance coverage typically includes bodily injury liability, property damage liability, collision coverage, comprehensive coverage, medical payments, uninsured motorist, and underinsured motorist. 

Optional RV Coverage

Option RV insurance coverage is available for those wanting to add more to their policy and fully customize their insurance coverage. Optional RV insurance includes roadside assistance, towing and labor, vacation liability, safety glass replacement, replacement costs, and scheduled personal effects replacement cost coverage. If you have customized your RV in any way, adding customized equipment coverage may be beneficial.  

Stationary RV Coverage

If you are not actively using your RV, or it remains stationary, you do not need to have full coverage for the unit. However, you want to ensure your investment is protected, which is why purchasing an insurance policy to cover theft, damage to the unit and the property inside is highly suggested. 

Speak with your insurance agent to discuss the use of the RV and which insurance coverage is required, and which optional coverage is recommended. 

Asheville, NC RV owners can find peace of mind knowing they are fully covered when it comes to insuring their RV. However, those who still have questions about basic RV coverage and optional coverage available should call the experts at Asheville Insurance Center today. 

4 Benefits of Motorcycle Insurance

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When riding motorcycles, we try to be as careful as possible to avoid accidents that would see us suffering financial losses or sustaining injuries. But unfortunately, accidents are real — worst of all, they occur when we least expect and leave us suffering huge costs like medical bills, repair costs, liability costs, etc. 

Luckily motorists can purchase a motorcycle insurance policy that would step in to cover losses following an accident. 

If you own a bike and haven’t yet subscribed to a motorcycle insurance policy, you’d better reach out to Asheville Insurance Center in Asheville, NC, and reap the following benefits. 

Liability protection 

With a motorcycle insurance policy, you will not incur financial losses if you accidentally hurt or hit others. Your insurer will step in and manage all the costs.

Protection of your bike

Whether you encounter a minor or severe accident, there is a possibility that your bike can be damaged. Repairing it can mean huge costs, which you are not ready for or can’t even afford to bear at the moment. You’d need a helping hand in such scenarios — and that’s where motorcycle insurance kicks in.

Compliance with law

In almost all the states, it’s a crime to ride your motorcycle without a motorcycle insurance policy. The same is true for North Carolina — all motorcycle riders are expected to carry motorcycle insurance with minimum liability coverage. Failure to have valid motorcycle insurance exposes you to fines and penalties. 

Covers medical expenses

Motorcycle accidents can cause injuries to you or to those you hit on the road. When such a mischance happens, you want to seek medical attention as quickly as possible. But bear in mind that you won’t get to treatments for free.

Your medical bills can be high. However, with motorcycle insurance coverage, you have nothing to stress about.

The Bottom Line

The above are some key benefits you will enjoy if you purchase motorcycle insurance from Asheville Insurance center serving Asheville, NC and its environs. Don’t wait until late — get insured today and enjoy safe riding.

Who can benefit from umbrella insurance

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Many types of insurance products include liability coverage. Liability coverage pays for medical and property damage caused by you or a member of your family. It also helps pay for legal fees and a judgment against you due to an accident or injury. At Asheville Insurance Center in Asheville, NC, we are locally owned and operated. As an independent agency, we offer our customers more choices. Our years of experience help us provide our customers with the information they need to make educated choices. 

If you have an insurance policy with liability coverage, you can probably benefit from umbrella insurance. Umbrella insurance adds more protection for your assets with an additional layer of liability protection. It is not a stand-alone policy to buy; you have to already have an insurance policy with liability coverage. It is an excess liability, above and beyond the liability that your policy already has. 

As many as 10% of people get sued every year. That is a lot of people and a lot of legal fees. If you have fundamental liability coverage, you may find that you have a lot of money you will have to pay out of your pocket. You can end up losing your assets and having your wages and future earnings garnished. You could suffer from decreased wages for years over one judgment. Having an umbrella policy could save you from this outcome. 

If you have any assets, you can benefit from umbrella insurance. It will work with your auto, home, boat, and condo insurance. It even works well with renters insurance. You don’t have to own a home to have assets; you may even have both a home you own and one you rent. 

If you have questions you need to be answered about umbrella insurance, call Asheville Insurance Center in Asheville, NC, or visit the office. We can provide a no-obligation quote.

Why Do I Need Flood Insurance?

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If you have renters insurance or homeowners insurance, you probably wonder if getting another coverage is worth it. According to the Federal Emergency Management Agency, flooding is the number one natural hazard in the US. This means that your property faces an increased risk of flooding damage than it does from a fire hazard. To add to this, Asheville Insurance Center expounds on other reasons why you need flood insurance.

Your Homeowners Insurance Does Not Cover Flood Damage

The standard homeowner’s insurance may provide coverage for damage to your property from perils such as fire hazards but will often leave out the damage caused by floods. Due to the varying degrees of risk in the country, flood coverage is different in each state, so consider checking with your Asheville, NC agent on the contents covered by your policy. 

Flooding Can Occur Due to several Things

Apart from heavy rains, flooding can occur due to numerous reasons. Weather extremities such as mudslides, spring thaws, and hurricanes have been found to lead to flooding, meaning damage to your property can occur at any time. In addition to these, damaged drainage systems and inadequate levees and dams are other events that can cause harm to your assets. Rather than wait for any to occur, make it a point to get proper flood coverage.

A Few Inches of Water Can Cause Enormous Damage

Flooding disasters do not always require significant water accumulation. One inch of water is enough to cause damage to home valuables such as furniture and electronic equipment, with replacement costs likely to stack up into serious expenses. In unexpected weather catastrophes, vehicles and buildings will also face added damage, resulting in unimaginable destruction. So, why wait for these hazards to wreak havoc in your home?

Reach out to Asheville Insurance Center today for more details on flood coverage. Our Asheville, NC agents will guide you through your preferred options, keeping you protected from flood damage.

Basic Facts To Consider While Researching Condo Insurance

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Asheville Insurance Center proudly serves the Asheville, NC community. We strive to make sure that residents find the coverage they need to protect their assets. We are an independent insurance agency. We can help you find policies to manage any risks that come your way.

Basic Condo Insurance Facts

Asheville, NC is home to several visually appealing condos. Staying in a condo includes multiple unique advantages. You may feel less stress compared to staying in a larger home. You won’t be required to perform regular maintenance on the outside of a home, as well as regular landscaping. However, there are still risks worth considering. That’s why you should consider the benefits of condo insurance.

Condo insurance helps you protect your personal items if they are damaged or stolen. Liability coverage is also an important part of your policy. Liability coverage protects you if someone is injured while visiting your property. This is especially important if you plan to host many friends and family over to your condo. Also, keep in mind that other people are living very close to you. If you accidentally start a fire or another type of disaster, liability coverage will protect you if you damage someone else’s property.

Condo insurance covers the interior of your unit as well. Any damage to the floors, walls, carpet, and lights is protected. If you have any luxury items inside your condo, you’ll have to amend your policy to cover those items if they are vandalized or stolen. Make sure that you read your manual and stay up to date on your homeowner’s association guidelines.

Asheville Insurance Center Will Help You Find The Coverage You Need

Contact our office to learn more information about condo insurance.

When Should You Shop For New Auto Insurance?

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Auto insurance is probably one of your most important monthly expenses. This is true mainly because you have a legal obligation to your community to carry auto insurance. Because of the high priority status, auto insurance should have in your budget. It is important to make sure you are always getting the best deal.  At Asheville Insurance Center, serving Asheville, NC, we want to help you make the best insurance choices. Keep reading to find out when you should be shopping around for new auto insurance. 

Annually

To make sure you are always getting the best deal, it is a good idea to shop around and compare rates at least once a year. This gives you the chance to see if other companies have started any new promotions or initiated any new discounts. 

Getting Married

If you are getting married, then you will want to discuss with your spouse new auto insurance. Auto insurance companies often offer discounts for married couples. Combining two policies can also make you eligible for special discounts sometimes as well. 

Buying a Home 

Many insurance companies offer discounts for those who also own a home. If you are in the home buying process, you should take the time to compare companies to see who may have the best discounts available for you. 

Adding a Driver

If you have a now driving-age teenager, you will need to add them to your insurance. You want to make sure you can get the best deal possible during this important change. Compare rates and find out if companies offer good student discounts. 

If you would like to learn more about our insurance products, please contact us at Asheville Insurance Center, serving Asheville, NC. We will be happy to answer your questions and try to get you the best possible insurance rates. 

Types of Commercial Insurance

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Historic Asheville, NC offers many exciting things to do and see. If you own one of its businesses or plan to start a new business, you have a few extra steps to go through, such as obtaining permissions from the historical society if you want to locate your business in a historic building or location. It would be best if you also had business insurance, also referred to as commercial insurance.

More than ten commercial insurance versions exist, including E&O for manufacturers and commercial auto for fleet vehicles. That makes it tough to decide which policy to buy. With business insurance, there is not a one-size-fits-all policy. You must obtain proper insurance to reduce the financial risk of your business. You should obtain a free consultation from Asheville Insurance Center to determine which type of commercial insurance your business requires.

Even those running a home business need special commercial insurance such as a commercial auto policy to protect their vehicle while doing business. Let’s take a commercial auto policy as an example. You would probably not guess that three types exist – a full coverage general policy, public hire livery insurance, private hire livery insurance. The general policy a business owner needs for the auto they drive to meets, worksites, etc. Livery insurance applies to drivers of passenger carrying vehicles. A taxi or cab driver needs public hire livery insurance, while a limousine driver requires private hire livery insurance. The wrong policy does not cover loss or reduce the risk associated with doing business. Only by meeting with your insurance agent and conferring with them can you determine which of the following policy types your business needs:

  • Tenant’s policy
  • Law or ordinance
  • Officers’ and directors’ liability policy
  • Professional liability, also called malpractice.
  • Inland marine
  • Glass
  • Errors and omissions (E & O)
  • Debris removal
  • Crime
  • Commercial auto
  • Construction, also called builder’s risk.
  • Business interruption
  • Business owner’s policy (BOP) combines the four most necessary policy types.
  • Boiler and machinery are also called equipment breakdown.

Call or stop by Asheville Insurance Center today. We serve the Asheville, NC metro with the insurance it needs to do business with reduced risk. Let us help you find what you need.