Do You Have the Right Renters Insurance Coverage in Brevard, NC?

You just moved into a new apartment in Brevard, NC and you’re wondering whether you can get insurance to cover your property even though you don’t own the place. The good news is you can. At Brevard Insurance Agency Inc., we often assist tenants looking for the right renters insurance for them.

What Is Renter’s Insurance?

Renters insurance covers your personal belongings if you lease an apartment or house. Typical policies cover your belongings, yourself and your living arrangements in the event of a covered loss. Even if you don’t think you own anything valuable, you might be surprised how fast things add up.

If your apartment caught fire tomorrow, you might have to replace clothing, furniture, kitchenware, towels, sheets and numerous other items. Even if you don’t have an extensive wardrobe and bought everything secondhand, the replacement cost for your belongings can total thousands of dollars.

How to Calculate Your Coverage Needs?

Take the following into consideration when you were calculating the amount of renters insurance you need:

  • Make a list of items you would have to replace and the retail price to replace them. A simple Google search can help you obtain an estimate for most items.
  • Once you have a total, add 25 to 50% because there are probably things you’ve forgotten about, and prices go up every year.
  • Take pictures of your property so that you have them in the event of an emergency and store them someplace other than your apartment.
  • If your apartment becomes uninhabitable, you’ll have to find other accommodations quickly. This could mean staying at an expensive hotel or Airbnb until your apartment is fixed or you find a new place to live. Factor this cost into your insurance coverage needs.

Chances are the cost of renters insurance is cheaper than replacing everything you own and paying for lodgings while you sort out your living situation. Contact Brevard Insurance Agency Inc. to set up a meeting for a renters insurance quote to cover your costs.

Why Do I Need Motorcycle Insurance in North Carolina?

Motorcycle owners in North Carolina should be proactive in ensuring their vehicles because it’s against the law not to. If you own a motorcycle and drive it in and around Brevard, NC, you are required to have a motorcycle insurance policy. Failing to do so will result in a fine or confiscation of the bike. 

What Does Motorcycle Insurance Provide Me?

Just as you would insure a car or any recreational vehicle, taking the steps to insure your motorcycle will protect you, the bike itself, and other drivers on the road. Brevard Insurance Agency Inc advises all of their clients to review their motorcycle policy annually to confirm appropriate coverage.

Insurance policies offer protection and coverage in accidents (whether you are at fault or not). They protect you in the event that you need medical care, or if you injure someone else and they need treatment or care. If you are out of work from your accident and are unable to work, your policy may cover that situation. Some policies can also provide coverage if a bike is damaged in an accident, due to severe weather, or if it’s stolen.

Insurance may be considered an unnecessary "what if" in any situation, but if the "what if" happens, you will be relieved that you took the time to be proactive and protect yourself and other drivers. 

Whether you use your bike on the weekends for a quick getaway, for long drives outside of Brevard, NC, or for daily use — maintaining a motorcycle insurance policy is of the utmost importance. If you need assistance finding the right coverage for you, contact Brevard Insurance Agency Inc. Our team of experienced agents can help you build a quality policy that you can rely on. 

Does everyone in Brevard need motorcycle insurance?

Those that live in the Brevard, NC area will enjoy the warm and sunny weather that exists for much of the year. Those that are going to live here should consider getting a motorcycle as a mode of transportation. While these can be a lot of fun to drive, they also come with some responsibilities. One responsibility that you will have is the need to get insurance for it. There are a couple of reasons that the average motorcycle owner will need to have insurance for it.

Insurance is Needed to Drive

One of the reasons that you should get motorcycle insurance is that it is required by law for you to drive. If you are going to purchase a motorcycle here, you will want to ensure that you get proper coverage and protection for it as state law requires you to carry liability coverage. Those without this protection will be face penalties when caught.

Insurance is a Lender Requirement

Buying a motorcycle will require some owners to finance the purchase with a loan. If this is the case for you, it is important to follow your lender’s insurance obligations. Most lenders will require that you have a full policy with both collision and comprehensive coverage, which will protect the loan’s collateral.

When you are in the market for a new motorcycle insurance policy in Brevard, NC, it is imperative that you speak with someone that you can trust. The insurance professionals at Brevard Insurance Agency, Inc can help you build and choose a quality policy. When you do call Brevard Insurance Agency, Inc., you can learn more about how this insurance can protect you. They can then help you build a policy that covers vehicles and offers appropriate coverage.