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Now’s a perfect time to review your Tennessee homeowner’s insurance policy

Posted on April 26, 2021April 26, 2021 by admin

It’s common for many homeowners to renew their home policies year after year without giving it much thought. However, here at the Carr Insurance Group, we think that it is important for our clients in the greater Maryville, TN area to take the time to review their homeowner policies regularly.

Why your policy needs may change

Increase in market value — when the property value of your market increases, your home will likely grow too. Don’t be left with inadequate coverage due to changes in the overall market.
Improvements to the home — even if you don’t complete a major project like an addition, smaller changes can also increase the value of your home. From updated kitchens and bathrooms to new flooring, you may be surprised by the effect on your home’s value.
Purchase of large-scale items – with many home policies, there is a limit to the coverage provided for a single item. If you have recently invested in an expensive item, such as artwork or jewelry, you will want to ensure that it is covered. In some instances, it may be appropriate to secure an additional personal items rider or policy.

These are just a few instances where a home’s value may outpace your homeowner’s policy. Don’t find out after it’s too late that you are underinsured due to increases in your home’s value.

Don’t delay, call today.

The team at Carr Insurance Group is here to help you with all of your insurance needs in the greater Maryville, TN area. If it’s been a while since you’ve taken a close look at your homeowner’s policy, it’s time to do so. Give us a call today and set up your review appointment. You’ll be glad you did!

When will having umbrella insurance be beneficial?

Posted on March 28, 2021March 28, 2021 by admin

Anyone that is in the Maryville, TN area needs to assess their insurance needs carefully. When you evaluate your insurance needs, it would be a good idea to invest in an umbrella insurance policy. Anyone in this area of the state would benefit from this coverage as it offers great personal liability insurance protection that can be quite helpful.

When Concerned About Unpredictable Events

A common situation when you will want to have an umbrella insurance plan is when you are concerned about unpredictable events. There are some liability risks and claims that are somewhat common and are covered by insurance plans, such as home or auto coverage. However, some situations come with liability risk but are harder to predict. An umbrella insurance plan will offer you broad coverage that can cover these risks.

When Concerned About Big Claims

You should also get an umbrella insurance plan to ensure that you are protected against larger claims. Home and auto coverage plans do offer valuable liability insurance. While the coverage that you will receive is enough to offset the risks associated with most claims, there is always a chance that an accident could result in damages that exceed your policy coverage. An umbrella insurance plan will provide you with coverage once you exceed the coverage in your existing plan.

There are many great reasons for people in the Maryville, TN area to get an umbrella insurance plan. If you believe that an umbrella insurance plan is right for you, calling the Carr Insurance Group could be helpful. A great team of professionals with the Carr Insurance Group will provide you ideal support to choose an umbrella insurance policy that will offer protection and security. Contact our office to get a quote.

Is classic car insurance needed in Maryville?

Posted on February 25, 2021February 25, 2021 by admin

Anyone that loves cars in the Maryville, TN area will dream about owning a classic car one day. If you buy a classic car, it will be vital for you to get proper insurance. There are a few reasons why this type of insurance is necessary for classic car owners.

Needed to Protect Asset

You will want to have classic car insurance in this area so you can protect your asset. A classic car can be a very valuable asset that can increase in value with time. With a classic car insurance plan, you can get the coverage needed to repair or replace this vehicle. This can include receiving coverage for the car’s collectible value, which ensures any value appreciation you receive is protected.

Liability Coverage

Similar to any other vehicle, you need liability insurance when driving a classic car. However, most classic car owners drive their vehicles quite infrequently. When you get a classic car insurance plan, you will receive the liability coverage needed to comply with state law. However, the plan will consider the fact that you drive the vehicle infrequently, which reduces your liability risk.

Owning a classic car is a dream that many car lovers in the Maryville, TN area share. If you do buy one of these vehicles, getting a classic car policy is a good option. As this is a unique and specific form of coverage, it would be a good idea to call the Carr insurance Group to discuss your needs. The team with Carr Insurance Group can help you build a plan that will properly protect your classic car while also allowing you to comply with state insurance laws.

An In-Depth Look At Motorhome Insurance

Posted on January 28, 2021January 28, 2021 by admin

Carr Insurance Group provides coverage to the Maryville, TN community, as well as the surrounding areas. We are an independent agency. We work with multiple carriers throughout the South. We want to help people find coverage that protects their assets.

Motorhome Insurance Options

Many Maryville, TN residents have invested in a motorhome. Motorhomes offer the versatility of being an excellent transportation method while also providing a place of comfort and relaxation. As you travel around the state, motorhome insurance will help you protect one of your most valuable assets. The policy covers you against multiple risks.

If you are involved in a collision, you will be covered. You can add comprehensive coverage to protect you if your motorhome is damaged by floating objects, fire, or severe weather.

Your personal items inside of the motorhome are also covered if they are damaged or vandalized. However, if you have luxury items inside your motorhome, you will need to add extra coverage to protect your valuable assets. You will also have to add extra coverage to protect you if the interior of your motorhome is damaged due to a flood.

Liability coverage provides a safety net. You will be protected if your motorhome causes damage. You are also covered if a guest gets injured while visiting your motorhome. You can add roadside assistance so that you will be covered if your motorhome suffers engine failure or another issue. If you plan to add any accessories or attachments to your motorhome, such as a trailer, you can add extra coverage to protect it against possible damages.

Carr Insurance Group Will Help You Protect Your Investment

Visit our website today to learn more information about motorhome insurance.

What are the main advantages of getting a RV insurance policy?

Posted on December 28, 2020December 28, 2020 by admin

When you are in the Maryville, TN area, finding a way to experience all that the state and surrounding area offers is critical. One great way to do this is by getting an RV, which will offer you a place to sleep and drive. Those that do get an RV here do also need to spend time assessing their insurance needs. There are a variety of advantages that come with a full RV insurance policy.

Coverage for Asset

One of the primary advantages of an RV insurance policy is that you will receive appropriate coverage for your asset. Any RV that you could buy will take a big initial investment. If your RV is stolen or damaged, you could lose your investment entirely. If you invest in a new RV insurance plan, it will offer you coverage to repair or replace the vehicle if you incur any loss.

Insurance Gives Liability Protection

Someone who will drive an RV will take on some unique forms of liability coverage. You could be held liable if you cause an accident while driving or if someone is hurt while they are visiting you in the RV. A great way to protect against this risk is by getting a new RV insurance policy, which will include a certain level of liability coverage.

Anyone in the Maryville, TN area and is interested in an RV insurance policy should call the Carr Insurance Group team. When you call the Carr Insurance Group team, you can learn far more about your different risks and options for insuring against them. The team will then offer the guidance needed to choose a quality insurance policy.

Do I need to get motorcycle insurance?

Posted on November 29, 2020November 29, 2020 by admin

In the Smokey Mountains and Maryville, TN area, people can enjoy warm weather for much of the year. Due to this, Maryville can also be a great place to own a motorcycle as it will make it easy for you to get around town while also enjoying the nice weather. When you are going to own a motorcycle in this area, you likely will need to have motorcycle insurance. There are several reasons why having motorcycle insurance coverage will be a necessity for you.

State Driving Requirement

One reason you will need to get motorcycle insurance is that it will be a state driving requirement. In Tennessee, all drivers of motorcycles will need to carry liability motorcycle insurance. With this type of coverage, you will have the protection needed to pay for any damages you may cause in an accident. If you are caught driving without this insurance protection, you will likely be penalized.

Insurance is a Lender Requirement

Another scenario when you will need to get motorcycle insurance is when you have taken out a loan. Many people that choose to get a motorcycle will also take out a loan to finance the purchase. If you did take out a motorcycle loan, the lender would want you to carry a full motorcycle insurance policy that protects against theft, vandalism, and other forms of damage. Ultimately, this coverage will help to protect their collateral.

Almost anyone in the Smokey Mountain or Maryville, TN area that also owns a motorcycle will need to have a motorcycle insurance policy. If you need to have this type of coverage, you should speak with the Carr insurance Group. The Carr insurance Group team can help you understand what your options are and ensure you remain properly covered at all times.

A Look At Some Common Misconceptions Regarding Boat Insurance

Posted on October 27, 2020October 27, 2020 by admin

Carr Insurance Group assists the Smokey Mountain Community community by offering residents multiple types of insurance policies. We strive to help our clients find coverage that will exceed their expectations. As an independent insurance agency, we have established positive relationships with multiple carriers throughout the state, which allows us to offer our clients a wide variety of choices.

Common Misconceptions About Boat Insurance

During the summer in Maryville, TN, many people enjoy taking their boats out near the open water. While you are enjoying a peaceful and relaxing time, it is important that you have some protection. Boat insurance will cover you in the event of unforeseen circumstances. While you are researching different policies, avoid some of the popular misconceptions about boat insurance policies.

Many people believe that all boat insurance coverage is the same, and that is incorrect. You will receive different coverage based on the type of boat that you have. The type of accessories on your boat is also a factor. If you have special accessories on your boat, you can amend your policy to be covered if they are damaged or stolen.

The areas where you operate your boat are also important. Your policy will likely contain a clearly defined area where you are allowed to operate your boat. If you operate your boat outside of that area, you may not be covered. Keep that in mind, while you are researching policies. Even if you don’t operate your boat regularly, boat insurance is a vital asset to have. You can amend your policy to cover your boat while you have it in storage.

Carr Insurance Group Will Help You Protect Your Boat

Contact our office in Maryville, TN today to learn more information about different boat insurance policies.

Can you have more than one car on an auto policy

Posted on September 22, 2020September 22, 2020 by admin

In today’s world, having the right auto insurance is important. Some types of auto insurance are mandated by the state that you live in. Tennessee requires that you have liability insurance, property damage, and under and uninsured motorists coverage. It would be best if you discussed your auto insurance needs with a trusted insurance agent. Carr Insurance Group in Maryville, TN is an independent agency that works for you, not one carrier, and they can offer you more choices for better coverage and prices.

When it comes to the question, "can you have more than one car on an auto policy," the simple answer is yes, you can. The number of additional cars you can have on a single policy will depend on the carrier you choose for your policy. These days many families are at least two vehicle families since both parents may have jobs that require that they drive to work. If you don’t live in a large city, chances are you will have limited options for public transportation.

While, in most cases, you must carry the same liability insurance on all your vehicles to avoid confusion on the amount of coverage, you are allowed to mix and match optional coverages. What this means is you may want to carry collision and comprehensive on a newer vehicle you own, but not on a clunker. Unless you have a car loan or lease, you are not required to have collision and comprehensive coverage.

When you add a new car to your family, you can call your agent at Carr Insurance Group in Maryville, TN to add the new vehicle to your policy. They will ask for the VIN and will provide you with your insurance cards. You usually need to show the insurance cards before you can register your vehicle. To get more information about the auto insurance products that we offer, stop by our office or give us a call.

When is Umbrella Insurance a Good Investment

Posted on August 27, 2020August 27, 2020 by admin

Having good personal insurance coverage is very important. For those that are in the Maryville, TN area, one form of insurance to consider getting is umbrella insurance. An umbrella insurance policy is an additional personal liability insurance policy that can provide you with valuable protection and coverage. There are several situations when getting an umbrella insurance policy would be a good investment and idea for you.

When Needing More Coverage

One of the situations, when you should get an umbrella insurance policy, is when you want to have more insurance coverage. Most people in the Maryville, TN area are already going to have some personal insurance coverage for liability through their home and auto insurance policies. While this often will provide enough coverage, if you are ever at fault for a very bad accident, you could find the damages exceed your policy limits. Fortunately, with an umbrella insurance policy, you will receive additional liability protection on top of these policies.

When Needing to Cover More Situations

Another reason to invest in an umbrella insurance policy is when you want to have coverage for additional situations. Home and auto insurance policies can give great coverage for most risks that people take on. However, they are not nearly as inclusive as an umbrella insurance policy. With an umbrella insurance policy, you are going to receive coverage for far more situations that could result in personal liability risk.

As you are shopping for a new umbrella insurance policy, you should contact the team at the Carr Insurance Group. The insurance team at the Carr Insurance Group can provide you with the guidance and support that you need to pick a new policy. This will help to ensure you get into an insurance policy that gives you the liability protection that you need.

Does Home Insurance Protect You from Slip and Falls?

Posted on July 26, 2020July 26, 2020 by admin

As a homeowner, it’s essential to understand what your home insurance protects you against. Most home insurance policies cover slips and falls on your property. However, every policy is different. The agents at Carr Insurance Group in Maryville, TN can help you review and optimize your policy.

Slips and Falls Covered by Home Insurance

You aren’t liable for every slip or fall on your property. Typically, you’re responsible if your negligence caused the accident. A random fall due to someone losing their balance might not fall on your shoulders. However, if a guest falls on the stairs due to ongoing construction, you would be liable for injuries and related expenses. A representative at Carr Insurance Group can help you understand specific examples where you would be responsible and ensure that your home insurance covers likely scenarios.

How Does Home Insurance Work for Slips and Falls

Home insurance covers legal defense and the payout if someone brings a slip and fall suit against you. You are only responsible if the court decides your negligence caused the fall. If someone trips over their shoelaces, they can’t sue you for medical damages. However, if your loose carpet or wet floor causes them to slip, you may be held liable.

Examples of slips and falls most home insurance covers:

Slip and fall on an unshoveled driveway
Guest tripping over a skateboard concealed by clutter
Fall due to a loose floorboard
Visitor trips over poorly maintained tree roots in your yard

Medical Payments Home Insurance

The medical payments portion of your home insurance can pay for emergency medical expenses without determining who was at fault. This would cover you without involving a lawyer or adjuster.

Contact Carr Insurance Group in Maryville, TN to find out more about your home insurance or to set up an appointment for a free quote.

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