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Benefits of RV Insurance

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You love traveling in your RV, but did you know you need insurance for your RV in Nashville, NC –  like you need insurance for your car? Many people are unaware of the benefits of RV insurance and how it can protect them on the road.

Benefits of RV Insurance 

What is RV Insurance?

RV insurance is insurance that covers your recreational vehicle, just like auto insurance covers your car. This type of insurance helps pay for damages to your RV or someone else’s property if you have an accident while driving your recreational vehicle. It also provides liability coverage if they sued you for damages from an accident.

A Steiner Insurance Group representative can help you find the right policy to protect your investment on the open road.

Why Do You Need RV Insurance?

Just like you need to have auto insurance to drive your car, you need RV coverage to drive your recreational vehicle. There are a few reasons you may need RV insurance. The first reason is that most states require it, including North Carolina.

Another reason to have motorhome insurance is for the protection it provides. This can include damages to the other vehicle, property damage, and medical expenses. If you cause an accident, your RV policy can help pay for the damages.

Your motorhome insurance can also provide liability coverage if someone gets injured or killed in an accident you caused. This policy can help protect your assets if someone sues you for damages.

RV insurance is a must for those who love to travel in their recreational vehicle in Nashville, NC. For more information about the different policies, contact Steiner Insurance Group.

Can I Use My Auto Insurance For A Motorcycle?

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Many people mistake that their car insurance policies will automatically cover their motorcycle; however, this is generally not true. If you already have an existing auto insurance policy, you may be able to ask your insurance provider for a motorcycle endorsement, which is simply an extension of your policy that includes coverage for your bike. Alternatively, you can also purchase a separate motorcycle insurance policy. Similar to auto insurance, the basic tenets of a motorcycle insurance policy include liability, comprehensive, and collision coverage. Specifically, in North Carolina, motorcyclists are required to carry a minimum level of liability insurance that protects the policyholder from the damage they cause to third parties and their property. In North Carolina, the minimum requirements are as follows:

  • Bodily Injury Liability: $30,000 per person/$60,000 per accident
  • Property Damage Liability: $25,000

Bear in mind that these figures are only the minimum requirement and are unlikely to provide complete financial protection if you are at fault in a motorcycle accident. In addition to motorcycle insurance requirements, North Carolina also requires that all motorcycle owners have a learner’s permit or endorsement on their regular driver’s license, which can be obtained via passing a motorcycle knowledge test, a road sign identification test, and a vision test. Additionally, you and any passengers are required to wear a helmet that signifies compliance with DOT requirements via a sticker stuck permanently to the back. 

At Steiner Insurance Group in Nashville, NC, we can help you navigate the complexities of motorcycle insurance to ensure that you have adequate coverage and are not running afoul of state laws and regulations. Give us a call today to schedule a no-obligation consultation.

How To Know If You Need Umbrella Insurance

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You have home insurance, auto insurance, health insurance, and life insurance. Do you really need more insurance? The insurance coverage that you have is a strategic plan put in place by you and your provider to protect you, your family, and your assets. As your financial situation becomes more complex, your net worth continues to increase. At this point, it is time to start considering umbrella insurance from Steiner Insurance Group to provide additional coverage on top of your other insurance policies.

Who Needs Umbrella Insurance?

Umbrella insurance is optional and not required by law, but is often purchased by people with considerable assets to protect or at a high risk of being sued. There are several situations where you may consider this type of insurance to protect you in Nashville, NC.

It is important to protect your assets as they grow. The cost of umbrella insurance is minimal when you have significant assets or savings that you need to protect.

If you have things on your property that could lead to the injury of visitors, you may want more coverage. This could be anything from a pool or trampoline to an ATV or an aggressive dog.

When you are responsible for other people, you are at a greater risk of legal action being taken against you. If you are a landlord, serve on the board of a nonprofit, or coach kids, then you are in a vulnerable position. With the right umbrella coverage in place, you will be protected against any major expenses that you may incur due to your profession.

Once you have determined that you fall into the category of someone in Nashville, NC that requires protection from additional insurance coverage, the next step is to determine how much coverage you need. The trusted agents at Steiner Insurance Group are here to help. Give us a call.

Life Insurance with Savings or Investment Account

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Life Insurance with Savings or Investment Account

When you consider purchasing life insurance from Steiner Insurance Group serving Nashville, NC, you have many choices beyond the typical whole life or term life insurance policy. You might consider a policy with a cash value account in addition to the death benefit.

What is a cash value account life insurance policy?

The term life insurance with a cash value account refers to a life insurance policy that provides both a death benefit to the purchaser’s beneficiary and a savings account that ties to either an investment account or a money market account. It can be either a whole life policy or a term life policy, although the whole life option proves more common.

Each month, when you pay your premiums, a portion of the premium goes into your savings after your policy premium gets paid. This amount is pre-tax, so you don’t pay taxes on it. It remains untaxed until you withdraw from the account, or you pass away.

Benefits of Cash Value Account

This helps you save money while you save money. When you die, if you have money remaining in the cash value account and the policy type pays it to the beneficiary, they will pay taxes on it only if your total estate exceeds the amount deemed taxable by the Internal Revenue Service. They’ll pay estate tax on their inheritance if your total estate value exceeds $11.58 million.

Some cash value savings accounts give you the option of investing the funds, sometimes with a guaranteed minimum payout, other times, tied to an index fund. Either way, you save pre-tax and earn money from your savings.

Contact Steiner Insurance Group serving Nashville, NC to learn more about this valuable life insurance policy. Let us help you protect your family’s financial future with life insurance.

How Does Classic Car Insurance Work?

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If you own a classic car, it has its own concerns that later-model cars don’t have. Owners of classic cars need to have specialized insurance for classic cars in order to have good protection against risks that these cars come with. When you live in North Carolina and you need classic car insurance, give us a call today at Steiner Insurance Group in Nashville, NC to find out more. 

Classic Car Coverage

The basic model of classic car insurance is the same as that of regular vehicles. Onto this is added the types of coverage only needed by classic cars. When your car is a classic, it’s always best to get classic car insurance instead of regular auto insurance. A classic car policy will have the same basic coverages as regular auto insurance, including bodily injury liability for the injured caused to other people, and property damage liability for damage your car does to someone else’s property. It is also a good idea to get coverage for uninsured motorists as well as collision insurance to pay for your own vehicle’s damage after an accident that you cause. 

Classic Car Additions

Classic car insurance also includes some aspects that are unique to this type of insurance. One of these is agreed value coverage. This is protection that covers your classic car for a specific value of the car instead of simply figuring out a value based on its model and year. Classic car insurance also has a flexible usage allowance. This allows you to insure the car based on how often you use it. Some classic car owners have a vehicle that they don’t often drive, while others drive theirs every day. Your insurance will reflect the frequency of usage. Classic car insurance also includes roadside assistance 24/7 in emergencies. 

Get Your Classic Car Covered

For classic car insurance, call us at Steiner Insurance Group in Nashville, NC.

How Is RV Insurance Different From Auto Insurance?

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One of the biggest questions people ask about RV insurance is how it differs from their typical auto insurance policy. Why can’t you simply use your auto insurance to cover your RV as well? There are actually a few good reasons why you should consider getting a new policy to cover your travels.

Steiner Insurance Group, which serves Nashville, NC, understands your RV insurance needs. As you consider your policy options, here are a few things you need to know before you go on your next big trip.

RV Insurance Provides More Options

While you may initially see that RV insurance policies appear similar to other auto insurance policies, the truth is that RV insurance has many more options. For example, you may find that RV coverage offers many options for full-time travelers. If you live in your RV, you need different insurance coverage than somebody who travels just a few times each year.

RV Insurance Covers Camping Time

RV insurance also offers coverage for your belongings and RV when you are parked. You can think of RV insurance in a similar way to renter’s and homeowner’s insurance policies. When you are camped, your RV is at risk for damage caused by vandalism or weather, for instance. Additionally, the items in your RV could be stolen. You want to ensure that your items will be covered no matter where you are.

Find RV Insurance For Your Needs

If you live in Nashville, NC and want to find RV insurance, Steiner Insurance Group can help. No matter where you like to travel, it is important that you speak with a professional insurance agent. We are happy to help you find the right insurance coverage for your RV.

Motorcycle Insurance for Beginners

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In Nashville, NC, motorcycle and scooter owners and operators need to maintain liability insurance coverage. If you are the new owner of a motorcycle or scooter, then the Steiner Insurance Group would like you to know more about your coverage options.

Motorcycle insurance is a category of auto insurance, and the following are some of the options available.

Liability Insurance

The first type of insurance that you need to know about is liability insurance. As mentioned, it is a mandatory requirement. This type of insurance is for property damage and third-party injury for which you are legally liable as a result of an auto accident. NC requires minimum coverage of $30 000 per person and $60 000 per accident. There is also a minimum cover of $25 000 needed for property liability.

Collision and Comprehensive Insurance

Collision insurance covers your motorcycle repairs or replacement on an actual cash value basis in the event of an accident. Comprehensive or Other than Collision insurance provides financial cover if there is damage to your motorcycle from perils like hail, fire, theft, and collision with animals.

Uninsured/Underinsured Cover

If another driver hits you and they are under or uninsured, this provides cover if you and your passenger sustain injury and your motorcycle (your property) sustains damage.

Medical Payments Coverage

This insurance option provides cover for necessary medical interventions or funeral expenses resulting from an auto accident, including as a pedestrian.

Take Action Today!

Before you drive off into the sunset on your newly purchased motorcycle, be sure of two things. You have your helmet on, and you have spoken to the Steiner Insurance Group serving Nashville, NC, about buying motorcycle insurance and peace of mind.

Tips for buying umbrella insurance for the first time

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Whether you’re new to insurance policies or an expert in the industry, you must have heard about umbrella insurance, which is one of the essential policies for many Nashville, NC, residents. Apart from being more affordable than most policies, umbrella insurance plays a critical role in protecting you and your family financially against liability claims and lawsuits.

At Steiner Insurance Group, we recommend buying the policy to add an extra layer of protection to your home and auto policies. Here are a few tips for purchasing umbrella insurance.

Do Your Homework

Buying an insurance policy requires financial preparation. You also want to assess your needs and learn how the policy helps you protect yourself. You can read more about umbrella insurance and check what it covers. It’s pretty essential to understand that the policy works if you have other primary policies like home and auto, as it is a form of extension on liability.

Ask for Recommendations

Let your family and friends know your intentions and ask for referrals to find the right insurance company. Remember your insurance company is as important as the policy itself. 

Shop Around

Once you have a few names, visit their offices, and compare their quotes. While most companies in Nashville NC have similar coverages, the rates could vary from one insurance company to another. You will likely get a good deal if you’re more patient in your search.

Inquire About Discounts

Your ideal insurance company should offer lucrative discounts. Check which ones work for you and which ones won’t benefit you. There will always be discounts for making early payments, bundling your policies, or increasing your limits.  Ask your insurer which discounts they have to get some value for your money.

Read and Understand Your Policy

Take your time to read and understand your policy. Ask relevant questions to learn more about the policy before signing any document. Let your insurance explain everything in detail. If you’re not satisfied with the explanation, don’t sign anything. Walk out and find a company that can help you understand your policy.

For more information, quotes, or questions about umbrella insurance, contact Steiner Insurance Group today.

Life Insurance Facts You Have to Know

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Life insurance is a complex and vital type of coverage, one that will help your family after you pass and keep them financially secure for years to come. At Steiner Insurance Group, we can serve the Nashville, NC area with high-quality policies that make sense for you and which will be easy to integrate into your budget. 

Term Life Insurance May Be a Good Choice 

While you can get either term or whole life insurance, you might find a specific period a good option. A term life insurance policy is set up for a particular number of years. For instance, you could set it for 30 years, after which your policy would lapse. If you’re already in your 50s or 60s, that kind of life insurance policy is likely what you need. 

Calculating Your Needs Can Be Easy

How do you know what type of coverage level you need? First, just remember the anagram DIME or debt, income, mortgage, and education. Then, consider all of these factors and balance them against your family’s needs and what coverage level is likely available for you as a homeowner. 

Consider Adding a Few Beneficiaries 

When you add multiple beneficiaries to your life insurance policy, you help make sure that your policy pays out. For example, if both are still alive when you pass, the money is split depending on how you set up your policy. If one dies before the other, the surviving member gets the cash. 

Taking Care of Your Insurance Needs 

If you believe that you need life insurance and the facts above are easy enough for you to understand with little difficulty, you should probably reach out to us at Steiner Insurance Group to learn more. We serve the Nashville, NC area and can provide high-quality policies that make sense for you. 

Required Auto Insurance in North Carolina

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When you own a vehicle in North Carolina, you are required by law to have an insurance policy for it. That policy has to meet or exceed several criteria that are determined by state law. If you don’t have car insurance, give us a call right away at Steiner Insurance Group in Nashville, NC.

Liability Coverage

When you get your auto insurance policy, it must contain three different amounts that are for your liability. There is one amount required for one person who suffered a bodily injury in an accident. There is another amount required for everyone who has bodily injuries from an accident with your vehicle. There is also a required amount for property damage that is done with your vehicle. Having these minimum amounts of coverage can protect you from a lot of costs that can result in an accident. 

Uninsured and Underinsured Motorist Coverage

This type of coverage protects you in case you are in an accident with a motorist who either doesn’t have enough insurance or has none at all. When the other motorist is at fault for an accident with your vehicle, they may have no way to pay for your medical bills and property damage without having enough insurance. With this coverage, the policy will pay for those bills up to its maximum payout. There is a specific amount required for the bodily injury caused to one person as well as a larger amount required for everyone who gets injured in the accident. A different amount is required for your property damage. 

Get Your Auto Insurance

In North Carolina, it doesn’t pay to have too little insurance. These minimum amounts of coverage are required, but it’s best to increase those amounts so that you can pay for serious accidents. If you are in need of auto insurance, give us a call at Steiner Insurance Group in Nashville, NC.

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