How can you benefit from having a motorhome insurance plan?

Posted on September 27, 2022September 27, 2022 by admin

Those that live in the Maryville, TN area can find that owning a motorhome is a good idea. When you are a motorhome owner, you will have a fun way to tour the state and enjoy all that it has to offer. As you are looking to buy a motorhome, you also need to choose the right insurance plan for it.

You can benefit in various ways if you do have a motorhome plan:

Have Coverage for Your Motorhome

A way that you can benefit from having a motorhome insurance plan is that you will get coverage for your motorhome. If you are going to invest in a motorhome, it will be a big purchase and you will want to know that you are covered as well as possible. A great way to do this is by getting a motorhome policy that will provide you with protection for this valuable asset. This will ensure you are covered if it is stolen or damaged.

Offset Liability Risk Concerns

It is also a good idea to get a motorhome policy because it can help to offset your liability risk concerns. If you do own a motorhome, there are various liability risks that you will take on each time you use it. As these can come with financial damages, having motorhome coverage is beneficial as it will also provide you with liability support.

Get Motorhome Insurance Today

Those that are going to own and use a motorhome in the Maryville, TN area will want to know that they have proper insurance. A great way to ensure that you are insured is by speaking with the Carr Insurance Group. Our team of insurance experts at the Carr Insurance Group will give any guidance you need to build a plan that will meet your needs.

Three major differences between RV insurance and standard auto insurance

Posted on August 30, 2022August 30, 2022 by admin

There are many similarities between RV insurance coverage and standard auto insurance coverage. However, there are also some significant differences that RV owners should be aware of when they acquire insurance coverage for their RV.

The more informed RV owners are, the better able they’ll be to make the right choices when choosing RV insurance coverage. You can consult with Carr Insurance Group in Maryville, TN for more information on this important coverage.

Here are the three major differences between RV insurance and standard auto insurance:

Ease of pausing RV insurance policies

A standard auto insurance policy is typically designed to offer continuous coverage with no seasonal breaks at any time of the year. On the other hand, many RV insurance policies offer features that make it very easy to temporarily stop coverage in the off-season while RV owners keep their RV in storage. This is a feature that many RV owners might want to take advantage of.

The division into three different classes

RV owners need to purchase RV coverage based on what class RV they own. RVs are classified as Class A, Class B, or Class C vehicles. These classifications are generally based on the size of the RV model in question.

Full-time coverage for RV residents

RV insurance providers know that some RV owners live in their RV full time. That’s why they provide more coverage to policyholders with full-time coverage in the event that an RV needs to have repairs that will last an extended period of time. In this case, full-time coverage for RV owners will cover the costs of finding alternative lodging while the covered RV is being repaired.

Give Us A Call

At Carr Insurance Group in Maryville, TN, we can help you find insurance solutions for all your RV insurance needs. Get in touch with us today if you have questions about our RV insurance policy offerings. We can offer you a quote and provide you with any other information you need to find the right RV coverage.

Do I Need Motorcycle Insurance Year-Round?

Posted on July 29, 2022August 1, 2022 by admin

No matter what time of year it is, you need to be insured if you’re riding your motorcycle in Maryville, TN. Whether cruising down the Parkway on a sunny summer day or braving the cold for a winter ride, being adequately insured is always a must. However, during the winter months, when you’re not using your motorcycle as often, you may be tempted to let your insurance lapse. But is that a good idea?

Is There Seasonal Motorcycle Insurance?

There is no such thing as seasonal motorcycle insurance, at least not in the traditional sense. Your motorcycle insurance policy is annual, which means it covers you for 12 months, no matter how often or how little you ride. So, even if you only take your bike out a few times during the winter, you’re still required to maintain your insurance coverage.

A Carr Insurance Group agent can help you tailor your motorcycle insurance policy to fit your needs and budget, whether you’re a casual rider or an avid enthusiast.

Why You Shouldn’t Let Your Coverage Lapse

However, just because you’re required to maintain your motorcycle insurance year-round doesn’t mean you should let your coverage lapse, even for a short period. If you cancel your policy or let it lapse, you could face some severe consequences, including:

A New Policy Can Be More Expensive

If you let your policy lapse and then try to reinstate it or get a new policy, your carrier may charge you a higher premium. That’s because insurance companies view lapsed coverage as a red flag and may deem you a higher risk to insure.

You Could Be Penalized by the DMV

In most states, including Tennessee, it’s illegal to operate a motorcycle without insurance. If caught riding without coverage, you could be subject to a fine or have your license suspended.

Give Us A Call

Contact Carr Insurance Group today to learn more about your options for motorcycle insurance in Maryville, TN.

How Do I Choose The Right Boat Insurance For Me?

Posted on June 30, 2022July 1, 2022 by admin

Choosing the right boat insurance for you means that you will be purchasing adequate coverage for your vessel. Additionally, you can save money by only paying premiums for the coverage you need. The insurance experts at Carr Insurance Group developed this guide to help you choose the right watercraft insurance for you in Maryville, TN.

Boat Insurance: What You Need To Know

1. What Type of Vessel Do You Have?

If you own a small boat like a canoe or small sailboat, a homeowners or renters insurance policy with limited property coverage will be enough, and you don’t need to get boat insurance. However, if you have a larger and faster boat, you will need dedicated watercraft insurance with several add-ons.

2. Understand the Types of Watercraft Insurance Options Available to You

There are various watercraft options available to residents of Maryville TN, such as;

Vessel damage: This policy covers your boat if it’s damaged by natural disasters, vandalism, collision, and theft
Personal injuries: This watercraft policy covers the medical expenses of your passengers in the boat, and you
Equipment loss: This coverage takes care of damaged permanently attached boat equipment such as motors and anchors
Property liability: This policy provides coverage for damage that your vessel causes to other people’s property
Passenger liability: This coverage takes care of the property damage and injury to persons that occurs when a passenger drives the vessel with your permission

3. Assess Your Risks

Analyze the risks that your boat is likely to encounter and purchase insurance for the first. For example, vessel damage and property liability are a must-have if you regularly sail your boat near other boats. You can forego passenger liability if you never bring passengers aboard your vessel. Only get watercraft insurance for the risks that apply to your situation.

Contact Us Today

Do you have more questions on watercraft insurance in Maryville, TN? Insurance experts at Carr Insurance Group are ready to provide answers. Call us today.

What Factors Affect My Auto Insurance Rates?

Posted on May 31, 2022June 9, 2022 by admin

When purchasing car insurance, several factors will affect your rate. The riskier your driving record, the higher your premium will be. To get the lowest rate possible, shop around and compare a few different insurance companies. Your credit score, driving record, car model, and the amount of coverage you opt for all determine your car insurance rate. Carr Insurance Group serving the greater Maryville, TN community can help you with auto insurance.

What Factors Affect Auto Insurance Rates?

Record of Accidents and Violations

If you have been in any accidents, this will likely increase your rates regardless of who was at fault. If you want to keep your premiums as low as possible, shop around and find a company that offers the lowest rate. Keep your record clean by maintaining a policy with a company that offers good driver discounts.

Even if you don’t have any violations or accidents on your record, you can still shop around and find a company that provides the best car insurance rates. Accident prevention devices installed in your car can reduce your rates by up to 20%.

Your Car’s Make and Model

You pay more for a luxury car or a sports car than an SUV or a sedan. This is because luxury cars and sports cars are more likely to be involved in accidents and more likely to be stolen. Another important factor that car manufacturers take into account when determining your car’s insurance rate is its safety features.

Many cars come with standard safety features these days, but it is important to note that some cars have more impressive safety features than others. If you are considering buying a new car, you should think about which car models have the best safety features and try to buy a car that has a high safety rating.

Your Coverage Options

Most companies offer a variety of policy types, from standard coverage to specialized policies like pickup trucks or sports cars. They may also offer different deductibles for different types of coverage, like collision or medical expenses. For professional auto insurance services, call Carr Insurance Group in Maryville, TN.

What’s NOT covered by homeowners insurance?

Posted on April 29, 2022May 10, 2022 by admin

As a homeowner, the purchase of your home is probably one of the largest investments you’ll ever make. As a result, most homeowners want to know that their investment is protected from damage and any number of unexpected situations. Fortunately, homeowners insurance is designed to do just that-provide protection for one of your largest investments. However, homeowners should be aware of any situation or item that isn’t typically covered by homeowners insurance.

What’s Covered by Homeowners Insurance?

Typically, homeowners insurance covers four primary areas. These areas include your home or dwelling, any other structures or buildings on your property, your personal property or belongings, and liability. Liability coverage is designed to protect you should a visitor become injured while at your home. Liability coverage also includes damage to a visitor’s personal property. A homeowners’ policy simply covers the repair or replacement of your home and your personal items should anything happen. The damage can come from fire, poor weather, smoke, as well as theft and vandalism. Damage from inclement weather can come from lightning, wind, and hail.

What’s NOT Covered?

Although homeowners insurance covers many things, there are a few key things that aren’t covered under a standard homeowners’ insurance policy. Our team at Carr insurance Group knows that understanding what’s covered and what’s not can be confusing. As a result, we’re committed to helping Maryville, TN homeowners understand coverage guidelines. Homeowners should understand that a standard policy won’t cover valuable jewelry beyond a certain dollar amount, artwork and collectibles, or damage caused by natural disasters like an earthquake or flood. These scenarios would require a homeowner to purchase separate policies or additional amendments to cover these areas. If you still have questions about what’s not covered under a standard policy, give us a call. We’re standing by.

How Much Umbrella Insurance Do I Need?

Posted on March 31, 2022April 8, 2022 by admin

How much umbrella insurance do you need? It’s a question that many people don’t want to ask themselves, but if you think about it, then the answer is probably not as little or as much as you may think. Here are some things to consider when deciding how much umbrella insurance is right for you.

How Does Umbrella Insurance Work?

Umbrella insurance is also called excess liability coverage because it’s there for you when your other liability coverage limits have been reached. It comes into play when the damages and costs incurred in an accident exceed your policy limits. The umbrella policy will cover you for those excess amounts. For example, suppose you have a $1 million liability policy limit, and an accident occurs where damages exceed $2 million. In that case, your umbrella policy will apply for the additional costs of up to $1 million.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance that is ideal for you depends on your current coverage, personal needs, and your ability to pay in the event of an accident. If you have a high net worth, including valuable assets, collectibles, or even business interests, you will want to consider buying a policy with a high limit.

How Do I Get Umbrella Insurance?

Many different companies offer umbrella insurance. The price varies depending on your personal circumstances, the amount of coverage you need, and what company you choose to buy it from.

Umbrella insurance is something that everyone should at least consider. It can provide you with peace of mind, knowing that your assets will be protected if an accident does occur. Looking for more information about umbrella insurance in Maryville, TN, or would like to get a quote, then contact Carr Insurance Group. We can help you find the right policy for your specific needs and budget.

Important Details To Look Over In Classic Car Insurance Policies

Posted on February 15, 2022February 3, 2022 by admin

Carr Insurance Group serves Maryville, TN residents. We offer our clients a wide variety of insurance options. We are an independent agency. Having strong relationships with multiple carriers allows us to offer our clients policies that align with their individual needs. We hope to make the insurance process less complicated for our clients. We will sit down with you and help you find a policy that protects your assets.

Important Details To Look Over In Classic Car Insurance Policies

Classic cars are valuable assets. You can visit several trade shows in Maryville, TN where classic cars are on display. If you have a classic car, insurance will help you protect your prized possessions. Classic car insurance covers your vehicle if something goes wrong. You are covered in the rare case that you are involved in an accident. The policy also covers your vehicle if it is stolen or vandalized. A significant part of your classic car insurance policy is monitoring the amount of time that you operate your vehicle. You should only drive your classic on special occasions. There may be a yearly mileage limit included in your policy. Consider having your classic car appraised so that you have a clear idea of its true value.

If you plan to make any modifications to your classic car, you’ll need to amend your policy in order to fully cover those parts if something happens to your classic car. Make sure that you have a strong storage coverage policy. Storage coverage protects your vehicle while you have it parked at the facility. Your classic will likely be at the facility most of the year. Storage coverage protects you if your vehicle is damaged at the facility.

Carr Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about classic car insurance.

Is Motorhome Insurance Required in Tennessee?

Posted on January 24, 2022February 3, 2022 by admin

In the state of Tennessee, all vehicle owners must have at least liability insurance in place to legally drive any type of motor vehicle and that includes motorhomes. If you own a motorhome, though, you will more than likely want to have more coverage on your camper and the agents at the Carr Insurance Group serving the Maryville, TN area are here to help you.

Uninsured and Underinsured Motorist Insurance

While liability insurance will help pay hospital bills and other expenses for the other driver if you cause an accident to happen while driving your motorhome, underinsured and uninsured coverage will help pay for damages to your motorhome. This coverage is applied when the other driver that caused the crash to happen does not have insurance or does not have enough to cover everything.

Comprehensive Insurance Coverage

If you owe money on your motorhome to a bank or lender, you may already be required to have comprehensive insurance. This is a great policy to have whether you owe money for your motorhome or not since it will help pay for damages that are caused by an act of vandalism, some type of natural disaster, or a fire. It will also help replace your motorhome if it is stolen.

Collision Insurance

Collision insurance may also be required by a lender since it will help pay for the repairs of your motorhome if you collide with a vehicle or a stationary object.

Call for a Quote

To create the best motorhome insurance policy for you and your situation, contact the agents at the Carr insurance Group in Maryville, TN today to obtain a quote for your policy.

Umbrella Insurance: Examining The Different Coverage Options

Posted on December 13, 2021December 9, 2021 by admin

Umbrella insurance offers you liability coverage above the limits offered by other insurance policies such as auto insurance and homeowner’s insurance. Your insurance policy can even cater for specific liability claims such policies may not handle like false imprisonment, slander, and libel. If you own a rental property, the umbrella insurance policy can offer coverage that’s beyond what your renter’s policy can cover.

What Coverage Can You Get By Taking Umbrella Insurance in Maryville, TN

When you take umbrella insurance in Maryville, it can cover the financial liability you incur if your car accident results in bodily injuries that are above the limits of your liability insurance. Here’s a detailed outline of more coverage options you’ll get by taking umbrella insurance from Carr insurance group.

Auto Accident Coverage

If you choose to add umbrella insurance to your auto insurance policy, it can help cover costs if someone sues for damages caused by your car. In addition, if you happen to be involved in an accident, it can help cover your business’s legal defense costs.

Third-Party Bodily Injury

Incorporating umbrella insurance into your general liability insurance will cover any legal expenses that arise if someone sustains injuries on your business property.

Third-Party Property Damage

Adding umbrella insurance to your general liability policy can help cater to legal bills related to damaged third-party property.

Employee Injury

If you choose to add umbrella insurance to your employer liability insurance, it can cover your lawsuit costs if you sustain work-related injuries.

Seek Advice on the Best Coverage Option

If you’re a resident of Maryville, TN, and thinking of getting a car insurance group umbrella coverage but don’t know the proper steps to take, don’t hesitate to get in touch with us. We have a team of experts who’ll guide you on what to expect.

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You can benefit in various ways if you do have a motorhome plan:

Have Coverage for Your Motorhome

Offset Liability Risk Concerns

Get Motorhome Insurance Today

Here are the three major differences between RV insurance and standard auto insurance:

Ease of pausing RV insurance policies

The division into three different classes

Full-time coverage for RV residents

Give Us A Call

Is There Seasonal Motorcycle Insurance?

Why You Shouldn’t Let Your Coverage Lapse

A New Policy Can Be More Expensive

You Could Be Penalized by the DMV

Give Us A Call

Boat Insurance: What You Need To Know

1. What Type of Vessel Do You Have?

2. Understand the Types of Watercraft Insurance Options Available to You

3. Assess Your Risks

Contact Us Today

What Factors Affect Auto Insurance Rates?

Record of Accidents and Violations

Your Car’s Make and Model

Your Coverage Options

What’s Covered by Homeowners Insurance?

What’s NOT Covered?

How Does Umbrella Insurance Work?

How Much Umbrella Insurance Do I Need?

How Do I Get Umbrella Insurance?

What Coverage Can You Get By Taking Umbrella Insurance in Maryville, TN

Auto Accident Coverage

Third-Party Bodily Injury

Third-Party Property Damage

Employee Injury

Seek Advice on the Best Coverage Option

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