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Carr Insurance Group

3508 E Lamar Alexander Pkwy
Maryville, TN 37804

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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. 

Posted in Home InsuranceTagged Carr Insurance Group, Maryville TN

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.

Posted in Umbrella InsuranceTagged Carr Insurance Group, Maryville TN

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.

Posted in Classic Car InsuranceTagged Carr Insurance Group, Maryville TN

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.

Posted in Motor Home InsuranceTagged Carr Insurance Group, Maryville TN

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.

Posted in Umbrella InsuranceTagged Carr Insurance Group, Maryville TN

Tennessee Home Insurance: How to Protect Your Valuables With Home Security

Posted on November 29, 2021December 9, 2021 by admin

You have home insurance to protect the things that you have worked your whole life for. One thing that may make your home life feel even more secure is an at-home security system. Your home insurance company will reward you for it too.

There’s more to an at-home security system than benefits to your Tennessee home insurance policy. At Carr Insurance Group, we want Maryville, TN homeowners to feel secure and prevent every possible risk.

Here is how you can protect your valuables with home security.

Monitored Home Alarm System

When you have a monitored home alarm system, insurance companies like this. You don’t need to spend a lot here either. Insurance companies like this because this is a professional system that will handle threats and insurance risks almost immediately. A monitored system is key here.

You want an alarm system with a code and a company that will take care of threats for you. You can usually get this at very affordable monthly rates.

And you’ll be safer, which is what insurance companies love most about these.

Smoke Alarms and Flood Alarms

Burglars and vandals and invasions aren’t the only risks to your home and property. You want to protect it from smoke and flooding or inclement weather as well. You can purchase smoke and flood alarms from the hardware store and have them installed.

Outdoor Surveillance

Video surveillance is an excellent addition to any home security system. You don’t have to get too fancy here. There are a number of outdoor cameras at tech stores and online retailers that are very affordable and easy to install.

You may also want to consider adding motion sensor lights. That will help increase the security around your home. These often act as a deterrent to strangers but also can help you with your video feeds.

Get a Quote

At Carr Insurance Group, we know that all of these things are affordable touches that will help keep the homes of Maryville, TN residents safer. With these additions, your home experiences fewer risks. Talk to an insurance agent today about how these home security touches can help with your home insurance policy.

Posted in Home InsuranceTagged Carr Insurance Group, Maryville TN

How Does Classic Car Insurance Work?

Posted on October 15, 2021October 10, 2021 by admin

If you are a lucky owner of a precious classic car, you understand that it needs proper protection. One of the best and most effective ways to protect it is to get classic insurance. Unlike standard auto insurance, classic car insurance usually covers your classic vehicle up to an agreed value. If you are thinking about getting this type of insurance, and you need more information about it, here is an explanation of how this insurance works. 

How Does Classic Insurance Work?

The first thing you should know is that you must be eligible for classic car insurance. Your vehicle must be either antique or classic. A classic car is defined as a vehicle that is 10 to 24 years old with historic interest. An antique car is a vehicle that is at least 25 years old with historic interest as well. 

There are also some other requirements that you need to meet. This includes driving your classic car only on a limited basis, preserving your vehicle in its original condition, and storing it in a special garage. There is also a mileage limit, which is usually no more than 10,000 per year. 

In addition, in order to qualify for classic car insurance, you are allowed to make repairs on your car only in certain shops. 

Carr Insurance Group serving clients in Maryville, TN – We Help You Get Insurance You Need and Deserve

If you are a classic car owner living in Maryville, TN or any other surrounding town, and you are looking for classic car insurance to protect your precious classic vehicle, Carr Insurance Group is the right place to contact. We specialize in all types of insurance, including classic car insurance policies. If you have any questions, or you want to know more about the insurance options we offer, feel free to contact us at any time. 

Posted in Classic Car InsuranceTagged Carr Insurance Group, Maryville TN

Knowing Coverage Limits for Motorhome Insurance

Posted on September 30, 2021October 10, 2021 by admin

At Carr Insurance Group, we help Maryville, TN, area residents find the motorhome insurance policy they need. If you don’t have a policy, it is crucial to understand just what your policy covers and the limitations that it may possess. Doing so will help to ensure that you get the best results to protect your motorhome for good.

What Your Policy Covers 

Like car insurance, your motorhome policy will cover many elements of your vehicle and its protection. Primary coverage includes collision, comprehensive, and liability coverage. You can also protect all belongings on the motorhome and additions to it. Other insurance options include:

  • Total loss replacement 
  • Emergency costs 
  • Towing expenses 
  • Roadside repair 
  • Full-timer coverage if you live in our motorhome 
  • Uninsured motorists help 

What Your Policy Does Not Cover 

Your policy will not cover things that happen due to your neglect. For example, it does not cover pest-related damage because it is assumed that you should take care of this issue yourself. And it will also not cover fires or other damages that you cause, no matter how destructive they may be in nature.

For example, it will not cover you if you fall asleep smoking a cigarette or if your oven catches on fire because you did not properly clean it out before you cooked. And if you do repairs on your vehicle without professional help, your policy will not cover any damage that you may do to your motorhome.

Let Us Help You 

As you can see, motorhome insurance coverage is a critical step for many people. So if you’re struggling with your policy options and you aren’t sure what you need, call us at Carr Insurance Group right away. We serve the Maryville, TN, area and will help you understand your policy.

Posted in Motor Home InsuranceTagged Carr Insurance Group, Maryville TN

Areas Covered By RV Insurance

Posted on August 16, 2021August 1, 2021 by admin

Having an RV in Maryville, TN can be fun and exciting with the many RV parks available for people looking to have a good time. However, to explore even more of what the city has to offer with your RV, you should consider insuring it. You will enjoy peace of mind without the constant worry of financial loss if anything unfortunate happens. As Carr insurance Group explains, here are a few types of coverage you could opt for.

Bodily Injury Liability

This type of coverage comes in handy if you get into an accident where you are at fault, and someone gets injured. It will help cover medical bills, including medication, doctor appointments, and ongoing care.

Property Damage Liability

You might get in an accident and end up causing damage to someone’s property, including a car, fence, or mailbox. Property damage liability helps cover those expenses arising from that damage.

Collision Coverage

Collision coverage helps cover repairs to your RV when it gets damaged in an accident with another car. Even in an accident involving your vehicle only, such as a rollover, this coverage will still pay for the resulting expenses, ensuring you are back on the road in no time.

Comprehensive Coverage

This type of coverage pays for damage caused by theft, fire, vandalism, natural disasters, and falling objects, among other things. Any damage that is not as a result of a collision can be covered here.

Uninsured/ Underinsured

This coverage offers you protection against drivers that are either uninsured or lack adequate insurance to cover damages like injuries and the cost of repairing the RV after an accident. It can also protect you if you get involved in a hit-and-run accident.  

If you are looking for insurance coverage for your RV in Maryville, TN, you must ensure you are picking the right policy that will offer you protection. Therefore, to better understand these types of coverage, you can contact us at Carr insurance Group where we are ready to assist you in picking the right policy.

Posted in RV InsuranceTagged Carr Insurance Group, Maryville TN

Tips for Buying a Motorcycle

Posted on July 30, 2021August 1, 2021 by admin

The freedom of the open road is a fantastic feeling, especially once you hear the rumble of the motorcycle engine and feel the wind in your face. Millions of Americans jump on their motorcycles to go riding each year. If you want to join them but do not have a bike yet, there are some things to consider when shopping for one in Maryville, TN. 

Once you have purchased your motorcycle, give us a call at Carr Insurance Group to learn your insurance options. 

Here are some tips to keep in mind when purchasing a motorcycle:

Determine Your Budget

Prices for motorcycles can vary, and a new, basic motorcycle can cost between $5,000 and $10,000. Top-of-the-line motorcycles can cost $40,000 or more. Used motorcycles cost less but sometimes require some extra maintenance work.

Plan for Maintenance

Like cars, motorcycles require routine maintenance to keep running smoothly. Before purchasing a motorcycle, consider what maintenance is needed and any costs associated with buying tires, getting oil changes, and other maintenance tasks. 

Purchase Gear

When working out your motorcycle budget, don’t forget to factor in your riding gear. At a minimum, you need to have a DOT-certified helmet. Other equipment to consider purchasing include a riding jacket, boots, and gloves. 

Shop for Insurance

While shopping for your motorcycle, you will need to shop for insurance. So don’t forget to give us a call at Carr Insurance Group to learn about the insurance coverage available to motorcycle owners. 

Sign Up for Classes

Depending on your experience with driving a motorcycle, you might have to sign up for some driving and handling classes. If available, take your riding course before buying your motorcycle, so you can determine if getting one is the best choice for your riding abilities. 

Get ready to take your new motorcycle out driving in Maryville, TN, and don’t forget to call us beforehand to discuss your insurance coverage.

Posted in Motorcycle InsuranceTagged Carr Insurance Group, Maryville TN

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