Most people don’t know a lot about home insurance. It sounds complicated, and it can be hard to find the right company. If you need some help understanding your coverage or choosing a policy, here are four things you didn’t know about home insurance that might help!
1. You Can Get Coverage for More Than Just Your House
Most policies offer protection for other structures on your property and any personal items inside those structures. Homeowners have been known to insure their cars from damage caused by falling trees in storms. Remember: if it’s on your property and could cause damage or injury if destroyed, it should probably be insured with a homeowner’s policy!
2. Homeowners Insurance Is Not one-size-fits All
No two homes are the same. And because every house is different, a homeowners insurance policy will be different too. The best way to get a good idea of what you need for coverage is to create an inventory of your belongings and their individual values. That way, you can take the time to shop around and find a policy that has everything you want at a price you can afford.
3. Homeowners Insurance Includes Loss of Use Coverage
Most policies include additional living expenses coverage, which kicks in if you have to temporarily move out of your home due to damage that makes it uninhabitable. This is an important feature because you could be forced to live elsewhere for days or even weeks while your house is being repaired.
4. Homeowners Insurance Does Not Cover Flooding
Flooding is often excluded from standard homeowners insurance policies. Instead, most people purchase a separate policy called flood insurance, which the federal government regulates. If you live in a region prone to flooding, it’s one of the best things you can do to protect your home and assets.
Home insurance is one of the most important coverages you can have. If you need any help or advice about what kind of policy to get, Brevard Insurance Agency Inc in Brevard, NC, is here for you. Give us a call today!
Classic car insurance will provide you with expert service and coverage options that are designed specifically to meet the needs of the owners of classic cars. Some of these options may not be available with a traditional car insurance policy in Brevard, NC. At Brevard Insurance Agency Inc, we strive to provide the coverage you need regardless of the vehicle that you drive.
The most important aspect of classic car insurance is the agreed value coverage. This means that you and your insurance provider agree on the value of your classic car based on an appraisal. Several agencies that offer classic car insurance will also provide specialized coverage for things like repairs from exotic car experts and putting your car on display at an auto show.
Benefits of Classic Car Insurance
Typically, the providers of classic car insurance are familiar with providing coverage in such a specialized area and are more knowledgeable when it comes to the unique needs of someone who a classic car. Additional coverage in this area includes:
Auto show medical reimbursement
Cash settlement option
Increased replacement cost
No attendance required
Spare parts coverage
Classic car insurance policies will also typically include the most common auto insurance coverage as well, such as personal injury protection, liability, comprehensive, collision, and uninsured motorist coverage.
Classic Car Insurance Eligibility
Classic car insurance is not designed for recent model vehicles that you use daily. To be eligible for classic car insurance coverage, the car has to meet certain criteria, which may include:
A model at least 25 years old
A modern muscle car
An exotic car
A modified vehicle
Parked in a fully enclosed, secure structure
Not used for commuting daily
Not used for racing
Driven no more than a specific number of miles per year
If you need classic car coverage and you are located in the Brevard, NC area, contact Brevard Insurance Agency Inc to learn about the coverage options that we have available for your classic car.
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.
At Brevard Insurance Agency Inc, we can help people in Brevard, NC, and the surrounding area gets renters insurance. Even if you live with your family and rent a room, you might still want this type of insurance.
Renting From Family is Still Renting
When you rent a room from a family member, you put yourself in a unique situation. While you may be related to each other (even in a parent-child relationship), you do not own the home. Unless the homeowner claims your items as belonging to them, what you own is not covered.
As a result, if a severe accident impacts you and you don’t have renters insurance, you’re going to be in a challenging situation. We understand that it might not seem necessary or wise for you to get this kind of protection. However, it is essential to do things right in this situation.
What Renters Insurance Covers
Renters insurance will cover anything that belongs to you in a home. It does not cover the house’s structure (the homeowner’s insurance policy covers that) but protects anything you own while you rent from others. This can include clothing, televisions, books, and much more.
Thankfully, this type of policy is surprisingly inexpensive and can be adapted to suit your needs. Many people often find that this policy is an excellent choice until they move out of their family’s house, at which point they’ll need another type of policy to ensure that they are protected from damage.
Get Help Today
Do you need renters insurance that meets your needs? Are you ready to stay protected and safe in your Brevard, NC rented room? Then please don’t hesitate to call us at Brevard Insurance Agency Inc to learn more about how we can help.
At Brevard Insurance Agency Inc, we help those in the Brevard, NC area find RV insurance that makes sense for their needs. Let’s examine this insurance to make it easier to understand what options are available for your needs.
Basic Insurance Types
Most types of RV insurance protect similar things like an auto insurance policy. However, there are also protection elements similar to a home if you own a livable RV. Just a few options include:
Bodily injury liability that protects you if you cause an injury to someone with your RV
Property damage protection that pays for any physical damage you cause with your vehicle
Collision repair help that will pay to repair your vehicle after an accident, regardless of fault
Comprehensive policies that pay for things like vandalism, fire, storms, and natural disasters
Uninsured/underinsured motorist coverage to pay for problems a poorly insured driver causes
Medical payments for you and your passengers, no matter who is at fault in the accident
Extra RV Insurance Options
You can also expand your insurance options to include a myriad of unique bonus options. Just a few that you may want to consider for this situation include:
Roadside assistance to get 24/7 emergency help for many dangerous situations
Towing and labor coverage to pay for getting your vehicle out of a tough spot
Vacation liability that protects you when using your RV as a temporary resident
Full-timer coverage designed for people who may live in their RV permanently
Take Control of Your RV Needs
As you can see, these policies cover a broad range of situations and can provide you with a lot of unique help. Therefore, it is important to contact us at Brevard Insurance Agency Inc right away to learn more. We serve the Brevard, NC, area and will provide detailed help to manage your needs.
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.
Similar to homeowner’s insurance, boat insurance for residents around Brevard, NC is highly recommended. Boat owners or those who are thinking of purchasing a boat should contact Brevard Insurance Agency Inc to assist you with finding the best coverage and policy that suits your needs.
Why Do I Need Boat Insurance?
Boating is a popular activity here in North Carolina, and because of this, accidents do happen. To give you peace of mind when using your boat, entertaining family and friends on the water, and participating in the water sports we all enjoy, boat insurance is essential.
Owning a boat is a large investment, and should be protected as such. Boat insurance protects your investment in the event of damage and also minimizes the liability you could face in situations where damage or injury are relevant. While you may be a safe and educated boat owner, you can’t control the other knowledge and skills of others on the water, which is worth considering when you are thinking about getting boat insurance.
Insurance helps to offset the risks of operating a boat in the water. In the event of an accident, repair, or any other damage, you will want to ensure you are properly covered so you aren’t responsible for coming up with a large sum of money to make the necessary repairs.
If you’re going to make a financial investment in a boat, do your due diligence and shop around for the best coverage in boat insurance for your own peace of mind and investment protection of your vessel. The experts at Brevard Insurance Agency Inc specialize in boat insurance and can help you find the best insurance policy in and around Brevard, NC.
Umbrella insurance is additional insurance that offers protection beyond the existing limits and coverage of other policies you may have. It’s a great option to guarantee you get significant extra liability coverage, should you need it.
This type of insurance policy isn’t required for your daily life, but it provides the extra security and peace of mind that all your bases are covered in any event or situation. Can you really put a price tag on that quality of defense?
Brevard Insurance Agency Inc is here to answer any questions and provide expertise regarding umbrella insurance for residents in the surrounding Brevard, NC area.
Umbrella insurance does exactly what it sounds like it would — extending over and above the liability policies, you maintain on your home, cars, and various other assets.
How Does Umbrella Insurance Protect Me?
It’s a special type of policy that begins where your standard coverage ends, and provides additional support and security should you need it. Say you exhaust your insurance limit before the entire cost is covered – this is where umbrella insurance is beneficial.
The homeowner’s insurance policy you have provides coverage for your house and the belongings inside the home. The car insurance policy you have protects your vehicle. An umbrella insurance policy covers all of those we mentioned, and then some.
Families in the Brevard, NC area who are debating whether or not they should acquire umbrella insurance should reach out to Brevard Insurance Agency Inc. We’ve built an impressive team of insurance experts who can help you prioritize your needs and make an informed decision on whether umbrella insurance is the right move for you. Contact us to see how umbrella insurance can protect you and your family.
The two most important things you need to consider when insuring your van are:
1. How was your van customized?
2. Who customized your van?
We can help navigate the confusing world of van insurance. Remember, depending on the level of customization, simply adding your van to your auto policy may not be the right choice. Let us help you protect what matters because it’s not just the van, it’s the adventure.
Insurance companies like Brevard Insurance Agency Inc provide Brevard, NC residents and others with flood insurance based on FEMA’s flood risk charts and maps. However, you can also gauge your risk of flood by looking at various other factors and deciding if you need a policy right away.
Investigating the Right Hazards
When you’re concerned about flood risk, you need to examine various hazards near you. The best way to figure out this situation is to ask the following questions:
How close are you to a river or lake that could flood?
What is your annual rainfall during the wettest seasons?
Are there any histories of floods in your area?
Do you experience floods at any time?
How destructive were floods around you in the past?
Are you downhill or uphill water sources?
Does your town take reasonable control of its water management needs?
These hazards must be carefully identified to gauge your flood risk. If you think you’re relatively safe (i.e., your home is high on a hill, and you are nowhere near a river or lake), you may want to skip out on flood insurance. That said, it is probably still a good idea to get this type of coverage anyway. It can provide a myriad of benefits if the worst happens, and you do suddenly experience a surprise flood.
Ways Your Policy Would Help
Your flood insurance policy will:
Repair broken foundations
Fix your home’s interior
Upgrade your carpeting and flooring
Replace damaged appliances
Give you peace of mind
If you want a high-quality flood insurance policy for your Brevard, NC home, please contact us at Brevard Insurance Agency Inc. We serve this city and many others in the area and will do what we can to provide you with the secure and robust flood protection you both want and deserve.
From a personal and business stand point the people at Brevard Insurance are amazing! They genuinely care about the success of their clients! Thank you all!
- Jessica Whitmire
Brevard Insurance will take care of your needs and treat you like family. I am a local real estate broker with White Squirrel Realty and send clients to Jay on a regular basis and they always tell me he works hard to find them exactly what fits their budget and lifestyle. There are so many providers to choose from online, but with Brevard Insurance, you can still walk into their office and talk face to face, and my clients appreciate that touch.
- Isaac Allen
Great company, we have personally been insured by The Coan Family since 1981. We have always been treated with utmost respect and have never had any insurance problems in those many years. I highly recommend Brevard Insurance.
- Chris Silliman First Restoration Services
Great Company 👍 Knowledgeable, honest and professional agency. Would definitely recommend them. 5 stars
- Richard Lindgren
Brevard Insurance Agency has been my insurance provider for over a decade now. They have always been there for me and my business. I want to thank them for all the great work they do!
- Wes Dickson
Love these guys! Fair, honest folks with reasonable rates. They are so nice to work with, it feels like family. I would recommend everyone go see them.
- Trent Hardin
Great company... refreshing, coming from the NY area