What You Need To Know Before Buying Flood Insurance

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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

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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

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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. 

3 Ways to Secure Your North Carolina Business

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Having a business in North Carolina is an excellent investment and allows many business owners to be successful. To maintain that success, it is essential to secure your business when you are both at the location and away. Securing your business protects yourself, your employees, and your customers. At Hedgepeth-Hutson Insurance Services, Inc., we want our customers who operate in or around Nashville, NC to have the best protection available.

Wireless cameras are your friend

Having these wireless cameras at entrances to your business, as well as dark corners, can protect you should you experience damages from theft or need video evidence of an altercation. These cameras can be moved to cover the areas you need and can easily be connected to an app on your phone or computer for digital storage. 

Keep everything clean and organized

Nothing screams lack of attention like a business that is dirty with unorganized shelves or a lack of landscaping. From the interior of your business to the exterior, let your customers and employees know you care and are involved by maintaining a clean atmosphere across the entire property. Thieves are deterred by alert management, and accidents are less prone to happen in a clean and organized environment.

Keep everything lit well

From bright lights in your parking lot and entranceways to motion lights at each corner of your business, it is essential to keep your place of business well lit for the protection of those shopping with you and working for you. Dark areas are more receptive to thieves and criminals, so taking away this environment will deter their motives. 

Contact us today

While these tips will assist with the dangers and potential accidents that lurk around your Nashville, NC business, choosing a commercial insurance policy with Hedgepeth-Hutson Insurance Services, Inc. can give you an additional layer of protection and peace of mind. 

Tips to Prepare Your North Carolina Home Against Winter Weather

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As the winter months approach, homes in North Carolina should prepare for the weather that comes with the season. While it is mild compared to other states, there are still weather dangers that could cause damage to your home. Below are some tips to help protect your home from winter weather such as ice, heavy snow, and frigid temperatures brought to you by Hedgepeth-Hutson Insurance Services, Inc. 

Cover your pipes

Before the weather becomes too cold, you should wrap your water pipes to protect them from the freezing temperatures. In this weather, they can freeze due to the weather and burst, causing significant damage throughout your home. Also, you will want to drain any outdoor hoses and pipes, also. Although they are not used as much in the winter, if they are not drained properly, they can also burst and amplify damages both internally and externally. 

Clean your gutters

Before the snow and ice make their way to Nashville, NC, you should take an afternoon to remove any fall foliage and debris from your gutters. Pinecones, straw, leaves, and excess water from the last rainfall can add some weight to your gutters. If snow or ice fall into your gutters, and they are already full of this debris, they will become too heavy and fall, causing exterior damage to your home. 

Time for window insulation

You will want to keep the heat inside your home in the winter, so add window insulation to keep your home warm and minimizing the use of your heat during the winter. This protects your utility bill through the winter months and overall home protection because the heating unit is not being overworked.

At Hedgepeth-Hutson Insurance Services, Inc., we want our customers in or around Nashville, NC to have the best options in home insurance. Contact us today for more information.