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What Is Full-Time RV Insurance?

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RVing is an adventure that many people enjoy. It allows you to travel and see different parts of the country while still having all the comforts of home. However, it’s important to remember that RVs are also large vehicles that need to be insured. 

If you live in Nashville, NC, you can insure your RV from Hedgepeth-Hutson Insurance Services Inc., which provides different types of RV insurance, including full-time RV insurance. But before that, take your time to understand this type of insurance policy.

What Is Full-Time RV Insurance?

Full-time RV insurance is designed for people who live in their RVs full-time or spend more than 150 days per year in them. This policy provides coverage for your RV, personal belongings, and liability. It’s important to have full-time RV insurance because it will protect you financially if something happens to your RV or if you are involved in an accident.

What’s Included in Full-Time RV Insurance?

Full-time RV insurance is typically a mix between homeowners insurance and auto insurance. It will cover your RV and any attached structures, such as awnings or satellite dishes. It will also cover your personal belongings inside the RV up to a specific limit. 

In addition, full-time RV insurance provides liability coverage in case you are involved in an accident, and someone is injured, or your property is damaged. If your RV is totaled, most policies will also provide coverage for a replacement RV.

Where Can You Get Full-Time RV Insurance?

Getting full-time RV insurance in Nashville, NC is easy as long as you know where to look. Hedgepeth-Hutson Insurance Services Inc. offers full-time RV insurance for all types of RVs. Talk to our agent to understand the different liability coverage available and your best options depending on your situation.

How Do I Choose The Right Motorcycle Insurance Coverage For Me?

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Motorcycle insurance is a critical piece of the safety puzzle regarding riding. But with the different coverage options available, it can be hard to know which one is right for you. This blog post will break down each type of motorcycle insurance coverage and help you figure out which is best for you. Let’s get started!

Consider Your State’s Minimum Coverage Requirements

The first step in choosing the right motorcycle insurance coverage is considering your state’s minimum coverage requirements. Each state has different laws governing the minimum amount of insurance required to operate a motorcycle, so it’s important to know what your state requires before you start shopping around. In general, most states require some combination of liability, collision, and comprehensive insurance.

Liability insurance is the most basic type of motorcycle insurance, and it covers damage you cause to other people or property while operating your motorcycle. Collision insurance covers damage to your bike caused by an accident with another vehicle or object. Comprehensive insurance covers damage to your motorcycle caused by factors other than collision, such as theft, fire, or weather damage.

Some states also require uninsured/underinsured motorist coverage, which protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages they caused. Get these policies from a reputable insurer such as Hedgepeth-Hutson Insurance Services Inc in Nashville, NC.

Decide How Much Coverage You Need

Once you know your state’s minimum coverage requirements, you can decide how much coverage you need. This will depend on several factors, including the value of your motorcycle, your riding habits, and your personal financial situation.

If you have a newer or more expensive motorcycle, you’ll likely want to get more coverage than the minimum requirements. If you ride frequently or in areas with a lot of traffic, you may also want to consider getting more coverage than the minimum.

Conclusion

Choosing the right motorcycle insurance coverage can be a difficult task, but it’s an important one. If you’re still unsure, talk to us at Hedgepeth-Hutson Insurance Services Inc in Nashville, NC. We’re happy to help you find the right coverage for you. Give us a call today.

Do I Need To Insure My Boat Trailer?

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You probably don’t need to insure your trailer if you keep your boat in a marina. However, if you keep it at a private dock or moored in the water, you will need to get it covered. Trailers are covered under the same policy as your boat and must be insured at the same level as your boat. 

In most cases, the minimum necessary level of coverage will be a significant amount lower than the value of your trailer. If you keep your trailer in a public or private parking lot with no supervision, you must get it insured. Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC can answer any questions. 

How to Go About Boat Trailer Insurance 

Boat trailer insurance is required in most states. In an accident, it can shield you from unanticipated costs and protect you financially. Trailer insurance usually comes as a percentage of the trailer’s value, often between 2 and 5 percent. 

This can be significantly less expensive than insuring a brand new boat. The value of your boat trailer will depend on the trailer’s condition and the condition of the boat that it hauls. You can also add a guaranteed replacement value option to your policy, which will pay out the value of the boat trailer if it is totaled in an accident. 

Most boat owners have their boats covered with a liability policy, but many don’t realize they also need coverage for their trailers, which are often left out. If someone is injured on your boat, they can sue you, and the court will consider the trailer’s value to determine how much they can receive in damages. Though you may not use the trailer often, it is still a necessary piece of equipment for your boat and must be adequately insured. 

The price of this policy will be determined by the business you decide to collaborate with. If the boat is hauled with a trailer, either a flatbed or a car hauler, or keep it on a trailer in case of a flood, it must have adequate insurance coverage. Boat trailers are valuable pieces of equipment, and you don’t want to be left without a way to transport your boat if something happens to the trailer. 

Bottomline 

Most homeowners’ or renters’ insurance policies will not cover your boat if it is damaged beyond repair or stolen. You may need to buy another insurance policy for your boat to protect it in an accident. But for advice in Nashville, NC, call Hedgepeth-Hutson Insurance Services Inc.

How Umbrella Insurance Works

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Making sure that you have all the insurance you need may require having more than just home and auto insurance policies. It may also require having an umbrella policy. If you have questions about this type of policy or want to get started with it, call us at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC.

Insurance for Accidents

If there is an accident with your vehicle, you have auto insurance. If there is an accident in your home, you have home insurance that includes liability coverage. The problem is that many people don’t have enough liability coverage in their home or auto policies. Without enough coverage, you could be on the hook for a lot of money after your insurance maxes out and won’t pay all of the bills for medical expenses or property damage. When you get an umbrella policy, it will add to the liability coverage you have in both your home and auto policies. 

Using Your Umbrella Policy

When an accident happens, the liability coverage you have through your home and auto policies is there to protect you. However, it will only do that up to the policy’s maximum payout. And with liability insurance, this can be quite low when considering how much medical bills and other related expenses can cost. When you have umbrella insurance, it comes in after that policy has maxed out to pay for what is leftover. Umbrella policies come with extremely high maximums to have better peace of mind. With this policy in place, you are far better protected if someone has an accident in your home or an accident is caused by your vehicle. 

Get Insured With Umbrella Insurance

When you want to know that you have better protection, think about the coverage you would get from an umbrella policy. Contact us at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, when you want to know more.

Do I Live in a Flood Zone?

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Determining if you live in a flood zone has never been easier than with the Federal Emergency Management Agency’s (FEMA) Flood Map Service Center. This free-to-access and use website shows information like food zones and floodways and lets you search by address to determine if your home or one you are considering purchasing is in a high-risk flood area. Your home is designated by a zone, with the most common ones being:

  • Zone A: High risk or most commonly occurring flood zone. If you live in this zone, flood insurance is likely required.
  • Zone B: Homes in this area have a moderate flood hazard risk.
  • Zone C: Minimal flood hazard risk
  • Zone D: Possible risk of flooding, but the hazard level is undetermined.
  • Zone V: Special flood hazard area for coastal areas with a high risk of floods.

In addition to purchasing flood insurance to protect your home, you can take a few other steps to prevent or mitigate flooding. Start by purchasing a flood sensor that notifies you of water leaks before they become major problems. You can purchase standalone flood sensor devices or bundle the technology with your home security system. Lastly, investing in a sump pump for your home is a relatively cost-effective and proven way to quickly remove unwanted water from your home before severe damage occurs.

At Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, our talented and committed team of insurance professionals are ready to help you with all your flood insurance questions. Whether you are looking to learn what flood zone you are in or have questions about what a flood insurance policy covers, we are here to help. Give us a call today to schedule a no-obligation consultation with our team. 

How much life insurance is enough?

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Deciding how much life insurance is enough is a critical decision. You want to make sure you have enough to care for your dependents if anything should happen to you, but you also don’t want to pay for more than you can easily afford. At Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, as independent insurance agents, our first responsibility is to make sure our customers have the right coverage and that we are there for them if they ever need to file a claim. 

The first question you need to ask when trying to determine the amount of life insurance that is enough for you is who depends on your income? If your answer is nobody, then the amount of life insurance you need is different from someone who has a spouse and three children. 

The next question you need to answer is how long will they need me to support them? If your children are young, it could be 15 years or more. Social Security will provide dependent care for children up to the age of 18, so that is something you can consider when figuring out how much life insurance you need to have. 

You may also have life insurance as a work benefit, but that is just a bonus. It should not be considered in your figures because you can’t guarantee it will even be available if you have a long illness and cannot work. 

The last thing to consider is your income and how much of a mortgage you have. Ideally, you can have enough to pay off the mortgage and leave enough for several years of salary. But the reality is, you need to consider what you can comfortably afford to pay for life insurance today. By working with your insurance agent, you can develop the right figure. 

Contact Hedgepeth-Hutson Insurance Services Inc. Nashville, NC when you need to review or discuss your life insurance. 

 

4 Reasons to Invest in North Carolina Auto Insurance

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Like most states, you must invest in car insurance in North Carolina if you want to operate your car legally. Failure to purchase car insurance puts you at risk of fines and penalties, including license suspension. Besides, you are responsible for all the liability claims if liable for the accident.

While motor vehicle insurance is mandatory, there are plenty of other reasons you need to invest in car insurance from Hedgepeth-Hutson Insurance Services Inc. Let’s look at some reasons:

  • To protect your assets: If you don’t have car insurance, you may be putting your assets in jeopardy. Failure to invest in car insurance means you will have to cover repairs and even replacement of your vehicle from your pocket. If you don’t have adequate savings, your dream car could rot in the garage. However, if you invest in car insurance, the coverage takes care of your car when accidents and other perils occur.
  • Liability protection: You may be careful on the road, but it only takes a single lapse in concentration to cause an accident. If you are at fault for an accident, you are held responsible for property damage and bodily injury to third parties. Worse yet, your finances could take a turn for the worst if you are sued.
  • To supplement your health insurance: Following a car accident, it’s not uncommon to suffer auto injuries. While your health insurance covers a generous amount of the medical bills, you need auto insurance to offset aspects of your medical bills not covered by your health insurance.
  • Peace of mind: Car insurance gives you an easy time on the road because you don’t have to worry about risks when driving. Plus, you can sleep soundly at night without the worry of someone stealing your car.

Do the above benefits appeal to you? If you are in Nashville, NC and its environs, please contact Hedgepeth-Hutson Insurance Services Inc. for a competitive quote.

Is Commercial Insurance Required in North Carolina?

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Owning a business in North Carolina is a huge accomplishment! Many businesses thrive here and we know yours will too. If your company is on the hunt for a commercial insurance plan, keep reading as the experts at Hedgepeth-Hutson Insurance Services Inc. talk about various coverage options and what you should know as a business owner in North Carolina. 

Nashville, NC is a wonderful place to grow a business. But growth takes time, planning, and execution. And you can’t do that without adequately protecting yourself financially, the assets within your company, your inventory, vehicles, employees, property, and more. 

How Will Insurance Support My Business?

Insurance protects your assets, your inventory, and your property in the event of damage or theft, you’re financially secure. 

Risks incurred by businesses are common – it’s simply part of running a company. The customers and clientele you do business with may sue you for liability if they are displeased with your services or if some kind of mistake was made by an employee or your products. These things are more common than you think, and liability insurance can cover some of those losses in the event that you face a lawsuit. 

Additionally, commercial insurance can provide you with peace of mind whether you’re in the office or away for a while. No matter where you are in the world, your insurance policy provides financial protection from most scenarios your company can encounter. There’s no better feeling than that! 

Hedgepeth-Hutson Insurance Services Inc. is here to help business owners in the Nashville, NC area with selecting a commercial insurance plan that meets the needs of your business and makes you feel comfortable and protected as your business grows. Let’s talk today! 

Tip and Tricks for Your Commercial Insurance

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Commercial insurance provides Nashville, NC, businesses with a higher level of protection that keeps them safe from long-term issues. At Hedgepeth-Hutson Insurance Services Inc., we not only understand these types of policies but a few simple tips and tricks that you can use to improve your experience. By working with us, you make it easier to enhance your company’s protection with these three steps.

Decrease Customer Risk to Improve Rates 

Avoid dangerous working environments for your customers and employees to minimize your potential insurance costs. Decrease insurance costs by making sure that you clean your facility, avoid serious spill problems, take proper steps towards cleaning your area of snow, and much more.

Improve Building Safety 

This step may seem similar to the previous tip but is a little different. You need to repair your facility, not simply clean it up, or perform various forms of upgrades. For example, putting in rails for your steps helps to improve your building safety and elegance.

Bundle Coverage Options 

Lastly, did you know that you can bundle a variety of commercial insurance options into your overall coverage? Not a lot of people do, and they often end up in a tough situation. Contact your provider to learn more about your abilities in this area.

Give Us a Chance to Help You 

At Hedgepeth-Hutson Insurance Services Inc., we have years of experience in providing high-quality commercial insurance and will do what we can to help you. Our team understands the laws dictating your policies in Nashville, NC. We will do what we can to ensure that you get proper coverage and will focus on your needs as a consumer to give you the best chance of satisfaction in this situation.

Is Home Insurance Required in North Carolina?

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Homeownership in Nashville, NC is a great personal accomplishment; North Carolina is one of the best places you can buy a home, settle down, start a career, raise a family, and enjoy all the things the state has to offer. The team at Hedgepeth-Hutson Insurance Services Inc. understands the process of purchasing home insurance and we’re here to help you through every step. 

While home insurance in North Carolina is not required by law, it’s the best way to maintain peace of mind about the biggest financial investment in your life. You pinched pennies, you made sacrifices, you traveled less and cooked at home more, all so you could afford the home of your dreams. Don’t risk financial hardship by not investing in proper quality insurance to protect your home and the personal property inside! 

If you worked with a lender to secure your home loan, they most likely require you to hold a home insurance policy in the event of any damage to the home that requires repairs or replacing. Insurance covers the majority of these costs, so you don’t have to dip into savings to fix the damage. 

At Hedgepeth-Hutson Insurance Services Inc., we have some of the best insurance agents in the business, and they’re happy to help you select the best insurance policy for your home, personal belongings inside the home, and structures on your property. It’s difficult to predict what could happen, but with the unpredictable weather patterns in North Carolina, we can safely say that you’re better off with a home insurance policy you can count on. 

Nashville, NC is a wonderful place to live. Invest in a home insurance policy that suits your lifestyle, and enjoy the peace of mind that comes with it!