Components of Motorcycle Insurance

Each state has requirements for motorcycle insurance coverage. North Carolina has specific requirements and components of motorcycle insurance for the state. Brevard, NC as well as the rest of the state requires the purchase of liability insurance by motorcycle owners. This includes owners of motor scooters. Proof of this insurance is required by carrying a valid insurance card with you.

The state also has a "Miscellaneous type vehicle endorsement". This means that it can be attached to your personal auto insurance. Using this endorsement then extends to cover your motorcycle as well

Motorcycle Insurance Components 

Liability Insurance

Required by North Carolina law, it covers bodily injury and property damage to the owner and anyone they give permission to drive the covered vehicle or vehicles. So if you give permission for a friend, and your car is covered by liability that extends to your motorcycle, liability covers it according to the NC Department of Insurance.

Medical Payments Coverage

This refers to reasonable necessary costs of medical or funeral expenses.

Collision/Other than Collision 

Collision covers the cost of damage done from the impact accident with another vehicle. Things that damage the vehicle from falling on it, hail. or  animal damage etc. are included in "other than collision"

Mandatory Limits

This component requires a certain amount of coverage to meet financial limits per person and more. Here at Brevard Insurance Agency Inc., we can explain this in detail.

UM/UIM Coverage

North Carolina allows coverage when an uninsured or underinsured person hits your car or motorcycle

Brevard Insurance Agency Inc Is Here To Help!

Our associates at Brevard Insurance Agency Inc. are available to answer any questions. Serving Brevard, NC and surrounding areas, we will take any confusion out of North Carolina’s motorcycle insurance components and requirements.

What Happens If You Don’t Have Boat Insurance in North Carolina?

At Brevard Insurance Agency Inc., we help Brevard, NC residents learn everything that they need to know about their boat insurance policies. There are a number of common questions that arise in these instances, and we are here to answer them all. If you have any questions about your boat insurance policy, be sure to read on.

What Happens If Boat Insurance Is Not Obtained In North Carolina?

Brevard residents may note that they are not legally required to obtain boat insurance in the state of North Carolina. However, this is not an advisable stance to take in these instances. There are other circumstances where boat insurance will be mandated. A lender is not going to provide loan approval without it, and any private dock or marina where the boat is being docked is going to ask for proof of coverage as well.

Are There Any Other Reasons To Obtain Boat Insurance?

In addition to the aforementioned requirements, there are other reasons to obtain boat insurance in the state of North Carolina. North Carolina boat insurance policy can provide the necessary assistance if the vessel experiences any sort of unexpected issues. These policies are also very crucial for any boater who likes to bring guests with them out onto the water.

Liability coverage is pivotal as well, as it provides additional coverage that protects the boater and their assets. Belongings may be damaged, injuries may occur, and it is important to have the necessary protection against these potential occurrences.

Schedule A Consultation Today!

Brevard Insurance Agency Inc. is here to assist Brevard, NC boat owners with all of their insurance questions and concerns. If you would like to learn more about these policies and how they can help you, please be sure to stop by for a no-strings-attached consultation as soon as possible.

The Overarching Value of an Umbrella Insurance Policy

If you’re looking to protect yourself more fully and you’re in the Brevard, NC area, Brevard Insurance Agency Inc is here to help. One of the ways we can do that is by working with you to find an umbrella insurance policy. This kind of policy protects you by giving you additional coverage over and above your other policies.

Here’s what you need to know about it:

Umbrella insurance gets its name because it’s a policy that acts much like an umbrella. It covers you after your other policies have reached their limits. That’s true of your auto policy, homeowners insurance, and other types of coverage options. Many people think that only those with significant asset levels need this coverage, but it’s a good idea for nearly everyone to have.

If you have questions about an umbrella policy, coverage options, and whether it’s right for your situation, the best thing you can do is talk to a trusted agent that can provide you with information. You want to make a knowledgeable decision about your insurance needs, and that’s much easier to do when you have the details about policies and coverage opportunities through an umbrella policy.

Whether you’re single or you have a family, and whether you rent or own, there are always times when you could have a claim or expenses or when you could be a party to a lawsuit. By having higher levels of coverage, you can reduce the risks associated with these issues.

Ready to find the right umbrella insurance policy for your specific situation?

Reach out to us today at Brevard Insurance Agency Inc if you’re in the Brevard, NC area, and let us help you get coverage that offers you protection and peace of mind for the future.

How do flood and windstorm insurance differ?

Brevard, NC has a moderate flood risk, with nearly 20% of properties having a greater than 26% likelihood of flooding in the next 30 years. Your decision about flood and windstorm insurance may depend on your home’s exact location and whether you have other properties closer to the coast. Brevard Insurance Agency Inc. is ready to advise you on the insurance coverage that best meets your needs.

Homeowners, Flood, and Windstorm Insurance

To begin, let’s distinguish between homeowners, flood, and windstorm insurance. Homeowners insurance covers unforeseen damage to your home, property, and belongings and generally handles injuries to others on your property. However, your homeowner’s insurance does not cover damage from water entering your home from the street, creeks, or rivers. Instead, flood insurance, which is purchased separately, covers those damages.

Flood insurance may also cover damage due to erosion and mudslides.

Damage resulting from high winds and hail may or may not be covered by your homeowner’s policy, depending on your location. Locations subject to hurricanes generally require separate windstorm insurance to cover those damages. Many areas in North Carolina need windstorm insurance to adequately protect home and vacation properties. 

Of course, none of us control whether or how severe weather will affect our homes and families. Still, we can protect our families against the financial effects of extreme weather by acquiring the right combination of homeowners, flood, and windstorm insurance.

Working with Brevard Insurance Agency Inc.

Our Brevard, NC team will be happy to review your situation and recommend the best coverage based on your location and preferences. Call or stop by today to discuss your insurance options.

When Is the Best Time to Get Life Insurance?

At Brevard Insurance Agency Inc in Brevard, NC, we frequently hear that folks have a hard time deciding when is the right time to get life insurance. While life insurance might seem like something you can put off, it is best to consider how it could prepare you for an unexpected tragedy today. No one wants to think about using their life insurance benefit to support their family, but it is ideal to ponder how it could help your family have a sense of security if they lost you and your income sooner rather than later.

When is the best time to get life insurance?

As a joke in the insurance industry, we always like to say that the best time to get insurance for something you value is yesterday. While we might say this in jest, there is a little kernel of truth to it. Although no one can decide when the best time for you to get life insurance could be, we would recommend that you at least look into policies now instead of waiting until you have a life-threatening circumstance.

While it might seem counterintuitive, if you get a life insurance policy while you are relatively young and healthy, you can enjoy lower rates, higher peace of mind, and an overall sense of confidence in your ability to provide for your loved ones even in the event of a tragic end to your life.

As an added perk, you may have more options for life insurance policies that are affordable and desirable to you in terms of their conditions.

Reach Out To Us

If you would like to learn more about our life insurance policies and when we would recommend getting one, call Brevard Insurance Agency Inc in Brevard, NC today.

How can an auto insurance plan protect me?

Anyone living in the Brevard, NC area will want to be assured that they have proper insurance support at all times. One asset that all people here need to consider getting insurance for is their vehicle. It is important to have this type of coverage as it could protect you in various ways.

Liability Coverage

Having liability coverage is mandatory for anyone in the Brevard area. This coverage ensures that you have financial resources to cover damages if you have caused an accident. This can include making repairs for other vehicles and covering medical bills for the other driver or passengers. With this coverage, you can stay in good standing and receive very helpful financial support.

Protect Your Vehicle

One of the largest investments that someone will need to make comes when they purchase a car. Due to the value and importance of your vehicle, ensuring you and your vehicle are covered is important. When you get a comprehensive and collision plan, it can provide support for virtually all situations that could result in a loss. This includes if you are involved in an accident, if the car is stolen, or if it is damaged in another way. If you are financing the purchase of a car with a loan, your lender undoubtedly will require a full insurance plan with comprehensive support.

Give Us A Call

In the Brevard, NC area, having auto insurance continues to be a necessity. When you are looking for this coverage here, it can be a great idea to call our team with Brevard Insurance Agency Inc. There are always going to be choices to make when looking for insurance, and our professionals at Brevard Insurance Agency Inc can help you build a plan that will properly meet your needs.  

Three rules to follow when you buy commercial insurance

It’s important to insure your business. Insuring your business protects your livelihood. Business owners in Brevard, NC can meet their business insurance needs with the assistance of Brevard Insurance Agency Inc.

There are a few rules that it’s essential to follow when you’re insuring your business.

Here are three rules to follow when you buy commercial insurance:

Understand the different types of commercial insurance

A commercial insurance policy will typically include numerous different types of coverage. These can include general liability, property insurance, workers’ compensation insurance, commercial auto coverage, and more. 

You need to understand what these different types of coverage are and know whether you need them when you buy a policy. 

Consider your risks

The unique risks that your company faces depend on factors like your industry, the size of your company, and the assets that your company has. A commercial insurance policy needs to address the unique blend of risks that a particular company faces. 

Ideally, you should conduct a risk assessment to identify the types of insurance coverage and the amount of insurance coverage that your company needs. 

Update your policy periodically

You haven’t finished with all your company’s insurance issues once you’ve bought a policy. Your company will change over time. Your company’s financial risks can change as well. 

You should be sure to update your commercial insurance policy periodically. In particular, update your policy if any big changes have happened at your company. If your company invests in new equipment or gets involved in new operations, you definitely need to reconsider your insurance coverage. 

We Are Here To Help!

Get a quote today to ensure your business in Brevard, NC. Brevard Insurance Agency Inc can provide you with a quote and answer any questions you have about insuring your commercial venture. 

Is Siding Damage Covered Under a Home Insurance Policy?

Here at Brevard Insurance Agency Inc., providing home insurance in the greater Brevard, NC area, we are often asked by our customers what may or may not be covered under a home insurance policy. People often ask about surfaces around the home, including the roof, driveway, or siding. Read on to learn more about the exterior siding of your home and whether siding damage is covered by a home insurance policy or not. 

Is Siding Damage Covered Under a Home Insurance Policy?

Unfortunately, the answer to this question is not a simple yes or no. Siding damage might be covered under your home insurance policy if the event that damaged your home’s siding was a covered peril. For example, if hail damaged your siding, strong wind gusts ripped your siding off or fire destroyed part of your siding, the siding damage is likely covered as these are typically considered to be covered events under a home insurance policy.

On the other hand, if your siding is damaged due to a river flooding its banks and your policy excludes floods, your siding damage will probably not be covered. Additionally, siding that is damaged due to old age or poor maintenance is not covered by home insurance policies. 

Siding damage may or may not be covered by a home insurance policy, depending on what caused the damage to the siding. If your siding is covered, having enough home insurance coverage is important to ensure all of the damage can be repaired.

Reach Out To Us

We at Brevard Insurance Agency Inc, providing insurance in the greater Brevard, NC region, can work with you to help you find the right policy and determine how much coverage you truly need to ensure you are fully protected against the unexpected. Call or email us now if you are in the market for a new home insurance policy. 

How Much Can You Drive with Classic Car Insurance?

Don’t let the age of your car stop you from enjoying it. Classic car insurance allows you to protect and use your classic car without worry. Let’s learn about this coverage and how it can benefit you in Brevard, NC.

What Is Classic Car Insurance? 

Classic car insurance is a type of coverage that provides special protection for cars older than 15-20 years. It covers damages to the vehicle that may arise from an accident or other peril, such as weather damage or theft. It also covers liability issues related to the accident. 

Why Do I Need Classic Car Insurance? 

Classic car insurance is essential because it ensures it adequately protects your vehicle in case of an accident or other peril. It provides peace of mind knowing that if something happened to your classic car, you would be covered and not have to pay out of pocket for repairs or replacement parts. 

How Much Can You Drive With Classic Car Insurance?  

The amount of driving you can do with classic car insurance depends on the policy and the type of coverage included in the policy. Most policies will allow for unlimited pleasure use but limit the number of miles driven for business use or events like parades and shows. The best way to find out exactly how much you can drive with your particular policy is by speaking with a representative at Brevard Insurance Agency Inc, – we can provide more information about your specific coverage options. 

Get Coverage For Your Classic Car Today

If you are a classic car owner in Brevard, NC, looking for reliable protection for your vehicle, contact Brevard Insurance Agency Inc today and enjoy knowing that your car is adequately protected while on the road!

Do College Students Need Renters Insurance?

Any number of hazards can befall your rented space when you are a student in college, and renters insurance can help provide a buffer against financial loss. 

Why College Students Need Renters Insurance

College students often have expensive belongings in their apartments, and these can be obliterated during a fire, for example, as kitchen mishaps do occur and can catch an entire building in flames. Water damage from sprinkler systems can wreak havoc on textbooks and electronics, such as cell phones, tablets, and computers. 

It’s important to have a backup plan when you are a college student, and some renters’ policies have provisions that extend to hotel stays when a covered peril renders the rented policy uninhabitable. Your Brevard Insurance Agency Inc representative can go over specific details that would be included in your indemnification. 

College students are not required to obtain a renters policy according to Brevard, NC law, but many make the choice to safeguard their property using this indemnification. In addition, landlords will frequently compel renters to buy a policy, as landlord insurance typically will only apply to the building and not a student’s effects. 

Some Brevard, NC students may live in housing where theft is an issue, and it’s important to do an inventory of your valuables and their approximate values to turn in to your insurance representative. Vandalism can also be a problem, causing monetary setbacks.

Insured students will be responsible for meeting a deductible before their policy pays out, and these amounts are set when the policy is purchased, affecting monthly premium amounts. 

Brevard Insurance Agency Inc Can Help You

Your knowledgeable agent can put together an insurance package to suit your needs, and we ask you to reach out to us for more information by calling, visiting us online, or meeting us in the office.