Who needs to get home insurance?

The St. Bunn and Nashville, NC area continues to be one of the fastest-growing areas in the state of North Carolina. Due to this, it is also a great place for anyone to purchase a home. If you decide to buy a property here, you will want to make sure that you always get proper insurance protection. There are several situations when someone here will need to get proper home insurance for their property. 

Those with a Mortgage

One situation when people need to get home insurance is when they have taken out a mortgage. Any mortgage lender will have mortgage requirements that need to be met. To ensure no lapse in coverage, it is also common for a lender to escrow your payments each month. This helps to ensure that your home, and its collateral, stay covered and protected.

Those Wanting to Protect Home

You will also want to get home insurance so you can protect your property. A home is going to be the largest asset that most people will ever own. When you get home insurance, it will ensure that you have coverage to repair or replace it. If there is ever a storm or fire, it will prove to be a great investment. 

The Nashville, NC area will continue to be a great place for anyone to buy a home. As you are looking for a new home insurance policy, you will want to ensure that you receive appropriate guidance. A great resource to rely on is the team at Hedgepeth-Hutson Insurance Services Inc. When you call Hedgepeth-Hutson Insurance Services Inc., you can learn more about how this insurance can protect you. The team can then help you build a policy that will offer the right type and level of coverage. 

Do You Need Classic Car Insurance?

Hedgepeth-Hutson Insurance Services Inc. serves the community of  Nashville, NC with insurance services for all aspects of life, including classic car insurance. If you are new to the world of owning or/and driving a classic car you may not even know that there is a specific type of insurance for your situation. 

What You Should Know About Classic Car Insurance:

  • If your classic car is not your daily driver you may be able to save on insurance. Many people treasure their classic vehicle and only drive it to car shows or on balmy weekends. You can have a more flexible policy if your classic car is not your only car. 
  • The insurance coverage is based on the actual value of your car. When you purchase a new car insurance policy you find that the policy is a bit broad, and that works for newer vehicles. The value of a classic can vary greatly in the same model depending on mileage, upgrades, and other factors. Your policy will be individual to your classic car. 
  • A variety of vehicles may qualify for classic insurance coverage. There is even a "modern classic" category of "newer" vehicles that qualify due to something special or rare about them. Even certain modified or garage builds may qualify for this insurance, and if not ask about umbrella insurance for extra coverage for increased value. 

If you own or drive a classic vehicle in or around Nashville, NC contact us at Hedgepeth-Hutson Insurance Services Inc. We can provide the exact coverage you need for your specific situation and vehicle. Contact us to learn more or to purchase the correct policy for all of your vehicles.

Will my renters insurance policy cover theft?

You are probably wondering how to ensure your personal belongings when living in a rented house. Well, renters insurance covers you and belongings from unexpected events such as fire, theft, sewer blockage, or injuries within a rented house. You are covered if anyone is injured while within your property. Where your home is rendered entirely uninhabitable, alternative living arrangements will be catered for by the renter’s insurance policy. If you live in Nashville, NC, speak to one of Hedgepeth-Hutson Insurance Services, Inc. agents on getting a renters insurance policy.

How renters insurance works

In an instance where you suffer the loss of personal belongings through theft or burglary, the renter’s insurance policy will reimburse the cost of items lost based on the coverage you have put in place and the type of loss. It is essential to inform our Hedgepeth-Hutson Insurance Services, Inc. agents whether you would like the actual depreciated value of an item or the cost of a new item so that this is captured in your policy.

Precious items such as jewelry may have a value limit or may require additional coverage should their value be above the set limit. Where a visitor is injured while within your premises or condo, file a claim with Hedgepeth-Hutson Insurance Services, Inc.to have your medical costs covered.

Do you really need a renters insurance cover?

While it may not be required by law to have renters insurance, your landlord may require you to have a renters insurance policy in your rental leasing agreement. A rental insurance policy protects you and your landlord from the financial obligation you are likely to incur in case of property damage or injuries. Renters insurance will cover the cost of repairs.

Where your landlord in Nashville, NC requires you to have a renters insurance cover, speak to our Hedgepeth-Hutson Insurance Services, Inc. to get a policy or visit our website for more information.

Three expenses your RV insurance policy should cover

When you purchase RV insurance, it’s important that you understand exactly what coverage your policy is offering. At Hedgepeth-Hutson Insurance Services Inc., we provide RV insurance to RV owners in the Nashville, NC area.

The following are three expenses your RV insurance policy should provide coverage for. 

Repair costs for RV damage

A good RV insurance policy should provide collision coverage. This type of coverage will pay for repairs to the RV itself in an accident. 

If you purchase liability insurance alone, your RV insurance policy won’t provide coverage for RV damages. However, it’s always a good idea to invest in collision coverage to enjoy coverage for repair costs. 

Medical bills resulting from an accident involving the RV

Any RV insurance policy should provide liability coverage. Liability coverage is required by law if you’re driving your RV on public roadways.

RV liability coverage will pay for any medical bills that result from an accident for which the policyholder has been judged at fault.  

Property damage resulting from an accident for which the RV owner is at fault

Another type of liability coverage that a standard RV insurance policy should include is property damage coverage. 

In the state of North Carolina, an RV insurance policy needs to include at least $25,000 in property damage coverage. This coverage will come into play if the policyholder is deemed at fault for damages to the property of another party in an accident. 

Are you on the market for the right RV insurance policy in Nashville, NC? Let us help you find the right policy for your needs. You can reach out to us on the phone or via our website at Hedgepeth-Hutson Insurance Services Inc. for assistance with RV insurance concerns. 

Do You Need Motorcycle Insurance in North Carolina?

In North Carolina, to ride a motorcycle, you must have a motorcycle endorsement and have at least liability insurance coverage. While a liability insurance policy is good to have anyway, it may be vital for you to have more insurance to protect your investment in the bike you love to ride. Here are some different types of motorcycle coverage options that are available for you to choose from.

Liability Insurance

Liability coverage will pay a certain amount for injuries sustained by others in an accident deemed to be your fault, along with any property damage that occurs as the result of the accident. Many times, your liability policy will be in effect even if someone else is driving your bike at the time of the crash.

Uninsured and Underinsured Motorist Coverage

This type of coverage will help pay for the repairs to your bike if you are involved in a crash with a driver who does not have any insurance coverage or who does not have enough insurance to cover the damages or injuries that occur in an accident.

Medical Payment Coverage

This type of coverage will help pay for medical bills and funeral expenses if injuries or a death occurs in an accident deemed to be your fault. For example, if you are cruising down the road on your bike, and you suddenly hit a person walking around the street in a crosswalk, your medical payment coverage will help to pay their medical expenses.

Collision Insurance

This policy will cover your motorcycle if you collide with another vehicle, motorcycle, or object. If you lose control of your bike and hit someone’s garage door and the door is damaged, this part of your policy will help to repair or replace their garage door.

Comprehensive Insurance

This type of coverage is critical in protecting your investment in your bike. If you obtained a loan to purchase your motorcycle, this type of policy would protect the investment of your lender on your bike. It will cover to repair or replace your motorcycle if it is damaged by a fire, theft, vandalism, or a natural disaster, such as a tornado or hail storm.

To create a motorcycle insurance policy that works best for you and your situation, you will need to enlist the assistance of a trusted insurance agent. The insurance agents at Hedgepeth-Hutson Insurance Services Inc.in Nashville, NC are ready to assist you with all of your motorcycle insurance needs, so call for an appointment today!

Three common misconceptions about boat insurance

Having boat insurance is vital for protecting the value of your boat. We offer boat insurance policies to Nashville, NC boat owners at Hedgepeth-Hutson Insurance Services, Inc.

Below are three common misconceptions about boat insurance to be aware of to find the right boat insurance policy for your needs.

My boat insurance policy will cover me in any waters all over the world.

One of the most important things to know about boat insurance policies is that their coverage is typically limited to certain geographic regions. For example, a boat insurance provider might limit coverage to within 100 miles of a boat owner’s home port. 

You need to familiarize yourself with any geographical limitations of your boat insurance policy. It’s important to realize that you won’t have any coverage if you travel outside these limits unless you invest in added coverage. 

Boat insurance is unnecessary.

Most states do not require boat insurance by law. However, that doesn’t mean that boat insurance is unnecessary. Boat insurance is essential for protecting the value of your boat.

Without boat insurance, you could quickly lose your boat in the event of an accident. You’d then have to pay out of pocket to replace your boat.

I can use my homeowner’s insurance policy to cover my boat.

A homeowner’s insurance policy will not necessarily cover your boat even when it’s on your property. Your homeowner’s insurance policy is not going to cover your boat when you’re using it off of your property. That’s why it’s so important to invest in a boat insurance policy. 

It’s important to learn as much as you can before you buy boat insurance in Nashville, NC. We can help at Hedgepeth-Hutson Insurance Services, Inc. Get in touch with us for information on our insurance policies. 

How umbrella insurance protects your assets

The American dream is to own a home and to accumulate assets. Every generation wants to be more successful than the one before, and as you get more successful, you acquire more assets. Unfortunately, we live in a world where having assets makes you more vulnerable to legal action against you. It could be as the result of a car accident, personal injury, or a business liability case. Auto, home, and commercial insurance all come with liability protection, but is this protection enough to protect your assets? This is a question that the experienced agents at Hedgepeth-Hutson Insurance Services, Inc.in Nashville, NC can help you to answer. 

Umbrella insurance is what is known as excess liability insurance. It is not a policy you can buy unless you already have a policy with liability coverage. The amount of liability coverage on many policies is pretty basic, and if the amount of assets you have is not basic, umbrella insurance can be the answer. 

Suing has become almost a national pastime. It doesn’t take very much for someone to decide to sue you, especially if they think that you have assets and you can afford it. You have worked hard to get to where you are, and it could all be gone in a heartbeat if you don’t have enough liability insurance. If you are sued and have legal expenses, these can add up pretty quickly as well. Depending on the reason for being sued, your insurance will pay up to the limit of your policy. At this point, an umbrella policy kicks in. Umbrella insurance is usually between one and five million dollars. 

Umbrella insurance is something anyone with assets should consider having. Talking to the team at Hedgepeth-Hutson Insurance Services, Inc.in Nashville, NC can help you to decide if this inexpensive coverage is right for you. Give our office a call to make an appointment. 

What You Need To Know Before Buying Flood Insurance

If you live in an area of Nashville, NC with significant flood risk, you’re probably thinking of calling Hedgepeth-Hutson Insurance Services, Inc., but before you do that, there are a few things you’ll want to know.

  • If you live in a high-risk flood zone, you might be required to buy flood insurance by your mortgage lender. Home insurance is rarely a legal mandate, but lenders can, to an extent, write their own rules in this regard. 
  • Even if you’re not in a high-risk flood zone, that doesn’t necessarily mean that you won’t be severely affected by a flood. If you are near a high-risk area, it only takes one foot of water to cost tens of thousands of dollars in damages to your home.
  • You can generally find out your risk level by asking an insurance agent. Let them know where you live, and they’ll tell you if you’re in a high-risk flood zone.
  • You can lower your rates by being flood-ready. Some of these measures may be expensive and difficult, like raising your home’s floor level, while others may be quite simple, like keeping your gutters and pipes clean.

As with any insurance policy, it’s important to remember that this is a backup plan. If you’re still home-shopping in Nashville, NC, it might not be a bad idea to check an area’s level of risk before buying.

If you’ve covered your bases, go ahead and get in touch with Hedgepeth-Hutson Insurance Services, Inc. through email or by phone and see what we can do for you. A flood can wipe out a home’s value in minutes, and your home insurance probably won’t cover it. Hedgepeth-Hutson Insurance Services, Inc. will.

Protect Your Growing Family with a Robust Life Insurance Policy

Starting a family is an exhilarating experience, but also one that can be filled with worry about the future. If you and your spouse are planning a family, it’s crucial to find the right life insurance policy for your growing family’s needs. The team at Hedgepeth-Hutson Insurance Services, Inc. is here to help you navigate the selection process and provide your family with the protection it needs. If you are in the greater Nashville, NC, and have questions about life insurance, we are here to help.

The Right Life Insurance Policy Can Make a World of Difference

People with young children, or who are looking to start a family, are often overwhelmed when it comes to choosing the right life insurance policy. We recommend that you take a close look at your needs and choose a robust policy that can meet them now and into the future. Whether you find that term, variable, or whole life is the right choice, it’s vital to choose the correct policy level that will meet your family’s needs.

There’s no need to go through this process alone, as your local insurance agent is an excellent resource for providing information and guidance as you make your selection. Now is the time to learn more about your options, and begin to determine which type of policy can best provide the coverage for your young family. Life insurance can make a significant impact on the life of your family in the event of a catastrophe.  

Ready to find out more about the life insurance policy options that are available to families in the greater Nashville, NC area? Give the folks at Hedgepeth-Hutson Insurance Services Inc. a call today and schedule a consultation. We’re for you as you begin the exciting journey of starting a family!


Why do you need auto insurance in North Carolina

Owning a car in the Nashville, NC area is a necessity for a lot of people. When you own a car in this area, it is vital that you have it adequately covered by insurance. There are several reasons why you should have auto insurance at all times when you take your car out on the road.

Compliance with Legal Requirements

One reason why you need to get auto insurance in North Carolina is that it is required by state law. Driving a car always comes with some form of risk. If you were to cause an accident, there could be a lot of damage. Due to this risk, the state wants to ensure that all people can pay for damages. Those that do not meet the minimum liability requirements for auto insurance could be penalized.

Compliance with Loan Documents

Additionally, you will also need to get auto insurance to ensure that you can comply with various loan documents. If you do take out a loan to buy your car, you will undoubtedly be required to maintain auto insurance at all times. The lender will require that you have more than just liability insurance. This will generally include requiring you to have a full collision and comprehensive policy to provide adequate and necessary coverage. 

Choosing a good auto insurance policy in the Nashville, NC area is an important decision. When you are looking for insurance in this area, you should call the team at Hedgepeth-Hutson Insurance Services, Inc. as soon as you can. When you do call Hedgepeth-Hutson Insurance Services, Inc., you can be assured that you will receive the personalized attention and service that you need to make the right auto insurance decision for your situation.