Name: Carr Insurance Group
Address: 3508 E Lamar Alexander Pkwy, Maryville, TN, 37804
Telephone: 865-688-1212

Is it Possible to Add a Motorhome to an Existing Auto Insurance Policy

Posted on January 24, 2025January 22, 2025 by admin

As warmer weather approaches, the excitement of planning a camping weekend with friends increases. Owning a motorhome provides the convenience of traveling anywhere with the right equipment. However, new RV owners often wonder if they can add their new vehicle to their existing auto insurance policy. The team at Carr Insurance Group in Maryville, TN, can provide clarity on this matter.

Motorhome Insurance Policy in Tennessee

In Tennessee, motorhome owners cannot add their RV to an existing auto insurance policy. The primary reason is the vehicle’s classification. An RV has a motor and can be driven independently. State law mandates that all motorhomes consistently traveling on the roadways need some form of liability coverage. This coverage protects you from potential costs that could arise if you’re involved in a road accident with another vehicle. State officials believe motorhomes are more challenging to drive than a standard automobile, thus posing a higher risk of accidents for newcomers.

The Significance of Personal Property Coverage for Motorhomes

Personal property coverage for your motorhome is crucial as it protects your belongings from damage, theft, or loss. This addition to your insurance policy is optional but recommended for those who use their RV as a second home on extended road trips. The coverage protects items such as electronic equipment, camping gear, clothing, shoes, eyeglasses, and other personal possessions. The insurance agreement will repair or replace all items up to the coverage limits. Auto insurance policies may not cover your personal property unless liability coverage has been added.

Motorhome insurance is about protecting yourself in any situation you may encounter on your travels. The Carr Insurance Group in Maryville, TN, can create a policy that meets your coverage needs. Call and schedule an appointment today.

How Umbrella Insurance Protects You Beyond the Road: Unique Scenarios for Driver

Posted on December 23, 2024December 19, 2024 by admin

When we think of insurance for drivers, auto policies usually come to mind. But what happens when an accident or lawsuit exceeds the limits of your standard coverage? This is where umbrella insurance steps in as a powerful safety net. At Carr Insurance Group in Maryville, TN, we understand that life can throw unexpected situations your way, and umbrella insurance provides the extra protection you need when the stakes are high.

Umbrella Insurance: Coverage for Major Liability Claims

While your auto insurance covers damages and injuries in most accidents, there’s always a chance the costs could exceed your policy limits. Imagine being involved in a multi-car accident with extensive vehicle damage and medical expenses. Once your auto policy pays out its maximum, you could still be held responsible for the remaining costs. Umbrella insurance kicks in at this point, covering the excess and protecting your personal assets from being at risk.

Umbrella Insurance: Protection Beyond Auto Accidents

Umbrella insurance doesn’t just cover you while you’re behind the wheel—it also applies to other liability situations. For example, if you’re found at fault for an accident while cycling or even while renting a boat, your umbrella policy can help cover legal fees and damages. It’s designed to protect you in a variety of unexpected scenarios, even those unrelated to your car.

Secure Peace of Mind in Any Situation with Carr Insurance Group

Umbrella insurance is about more than just financial protection—it’s about knowing you’re covered, no matter what life throws your way. If you’re in Maryville, TN, Carr Insurance Group can help you explore the benefits of umbrella insurance. Reach out to us today to ensure you have the extra coverage you need for life’s unpredictable moments.

Setting Up Your RV for Long-Term Stays: Tips for Maryville, TN Campers

Posted on November 25, 2024November 20, 2024 by admin

The guide by Carr Insurance Group offers essential tips for setting up your Class A Motorhome, travel trailer, fifth wheel, or pop-up for long-term stays.

Choosing the Right Campsite is Paramount

Select a level campsite that includes the amenities you and your travel partners desire. Common essentials for long-term campers can include some of the following.

Campgrounds with Bathhouses
Campsites with Unlimited Wifi
Full Hookups for 30 and 50 Amp RVs
RV Parks with On-Site Laundry Facilities

Level Your RV for Comfort and Safety

Choose a suitable campsite and take the time to level your RV completely to avoid having your travel partners slip and slide around it. Long-term campers should consider investing in reusable supplies like leveling blocks or hydraulic leveling systems that make setting up their campers a breeze.

Prepare for Bouts of Extreme Weather

The recent influx of devastating thunderstorms, hurricanes, tornadoes, and flooding means that long-term RV campers should be prepared for extreme weather changes. Ensure that your RV is equipped with a working heating and cooling system to offset the weather and have an escape route or safety plan for imminent and emerging weather systems.

Stock Up on Camping Supplies

Nothing is worse than being far away from civilization and finding out that you’re running out of crucial camping supplies like food, water, toilet paper, toilet tank treatments, and canned goods. Stock up on essential items, ensure you have an adequate supply of propane and batteries, and avoid taking long trips to local stores. The last step to prepare for your long-term RV trip is ensuring proper RV insurance coverage.

Contact Carr Insurance Group in Maryville, TN, for a quote today!

Should I get a motorcycle insurance plan when in Tennessee?

Posted on October 21, 2024October 17, 2024 by admin

In the Maryville, TN area, owning a motorcycle can be a good option as it provides a fun and affordable mode of transportation. When you invest in one, it’s vital to ensure you have appropriate insurance coverage. You should get a motorcycle insurance plan for several reasons when you plan on riding or owning a motorcycle here.

Ensure the Motorcycle is Covered

A primary reason to have the support and coverage that comes with a motorcycle insurance plan is to ensure your motorcycle is covered. Buying a motorcycle can be a significant investment, and not having insurance could lead to a total loss in the event of theft, vandalism, or accident damage. When adequately covered with insurance, you will get support in these situations.

Liability Protection

A comprehensive motorcycle insurance plan is also beneficial as it provides liability support. Many risks are associated with motorcycle riding, including being held liable for an accident. If you are not insured, you will have to cover any damages incurred due to the accident. However, if you maintain a full motorcycle insurance plan, you will get the support necessary to cover such claims and costs.

Having the right motorcycle insurance is important when you are looking to get a plan in the Maryville, TN, area. A great way to do this is by contacting our team at the Carr Insurance Group. Our team will provide any guidance you need to evaluate options and build a plan tailored to meet your needs.

Why You Should Store Your Boat Off-Site This Winter

Posted on September 30, 2024September 25, 2024 by admin

Preparing Your Boat for Winter Storage in Maryville, TN

As the winter months approach, boat owners in and around Maryville, TN, might consider off-site storage. Here’s why it might be the right move.

Shelter From the Elements

One of the major benefits of off-site storage is the ability to use an enclosed storage facility that protects your boat from harsh winter elements. With a climate-controlled storage facility, your boat is kept out of the weather and remains at a steady temperature throughout the season. Many of these storage areas operate pest control and wildlife management measures, reducing the risk of pests or wildlife inhabiting your boat compared to storing it at home.

Inhibiting Theft

Storing your boat off-site during winter makes it less attractive to potential thieves. A boat covered and left in a yard draws unwanted attention. If it’s off-site and secure, it presents a less enticing target.

Reclaiming Your Property

With your boat securely stored off-site, you will be surprised at how much space you have freed up on your property. This can open up possibilities for other uses, like creating a patio or reorganizing the yard to better suit your family’s needs, especially on properties where space is limited.

As a boat owner in the Maryville, TN area, you may be looking for boat/watercraft insurance. At Carr Insurance Group, we specialize in just that. Contact us for a personalized quote or more information today.

Seasonal Driving in Maryville, TN: Adjust Your Auto Insurance for Year-Round Coverage

Posted on August 30, 2024August 21, 2024 by admin

Tennessee drivers know that our area experiences distinct seasonal changes that each pose their own driving challenges. Gain insights on adjusting your auto insurance for year-round protection from the insurance experts at Carr Insurance Group.

Maryville, TN Driving Conditions by Season

Winter Driving Conditions: Local drivers should beware of snow-packed roads and black ice, which can make even the smoothest roads treacherous or impassable and increase the likelihood of an auto accident.
Spring Driving Conditions: Springtime in Tennessee can mean heavy rain, cloud cover, and severe thunderstorms that can spawn tornadoes and increase the chances of collisions on local roads.
Summer Driving Conditions: Extreme heat and increased traffic as more people travel for summer vacations and leisure can create be recipe for disaster for residents navigating local roadways.
Fall Driving Conditions: The latter months of the year can bring cooler temperatures, relief from the blazing summer heat, and less traffic while increasing the risk of obstructions from falling foliage and deer activity, which can result in car accidents and animal collisions.

Essential Coverages for Maryville Drivers

Liability Insurance Coverage

Tennessee drivers seeking to protect their assets from seizure in the event of an at-fault accident can opt for liability coverage. This coverage can help offset the cost of personal injury, liability, and property damage claims and absorb some of the costs of out-of-pocket medical expenses for other drivers.

Comprehensive Insurance Coverage

Drivers seeking total protection for themselves, their passengers, their vehicles, and other drivers should opt for comprehensive auto insurance, which provides protection from head-on collisions, sideswipes, theft, vandalism, natural disasters, and animal collisions.

Contact Carr Insurance Group to review your current policy coverages and get options for adjusting your auto insurance for year-round protection.

What is Liability Insurance for Homeowners in Maryville, TN?

Posted on July 30, 2024July 24, 2024 by admin

Liability insurance is crucial for maximum protection for anyone considering purchasing a home in the Maryville, TN, region. Understanding what liability insurance is for homeowners in the Maryville, TN, area can help you find a comprehensive plan that is optimal for your coverage needs once you begin working with a qualified agency such as the Carr Insurance Group.

Property Damage

Liability insurance for homeowners includes coverage for any damage you might accidentally cause to another property near you. Accidental damage coverage can protect you in the event of causing damage to a neighbor’s vehicle, windows, or lawn. Liability insurance might also cover any pets or children you have in the home if they cause damage to another’s property, depending on the comprehensive policy you create or select.

Bodily Injury

One of the biggest motivators to consider liability insurance for homeowners is bodily injury coverage. If someone is injured in an accident or falls while on your property, bodily injury coverage will protect you from being held personally liable to cover medical bills and expenses.

Loss of Access

Liability insurance might provide additional assistance if access to your home is lost due to a natural disaster, an accident in the house, or even a fire. Some comprehensive liability insurance policies for homeowners will also help cover additional living expenses while renovations or repairs are being completed on the home’s original structure.

Protecting your home, investments, and loved ones is essential to preventing unexpected legal woes or financial strain. To learn more about liability insurance for homeowners in Maryville, TN, contact the Carr Insurance Group to speak directly with one of our highly qualified insurance agents. We’ll work with you to find a plan that’s optimal for your household’s needs.

Does My Car Qualify For Classic Car Insurance?

Posted on June 28, 2024June 26, 2024 by admin

Classic car insurance is a desirable option for Maryville, TN drivers who possess vintage vehicles that are not utilized for daily commuting. It can cover specialist parts, towing, and repairs while offering enhanced coverage for the escalating value of a classic vehicle. However, does your car meet the criteria for this insurance?

Vehicle Age

The age of your car is a significant factor, though it’s not the sole criterion. Insurance companies often stipulate that classic cars should be at least 25 years old. Nevertheless, this criterion can fluctuate between companies, and exceptions might be permitted. For instance, a relatively newer limited-edition car or exotic vehicle might be eligible.

Types of Cars

Numerous models are qualified for this coverage. They encompass various antique cars, vintage trucks, military vehicles, and hot rods. Modified cars might also be eligible. A vehicle is more likely to be accepted if it’s currently valued more than its original selling price.

Other Factors

Insurance companies may also factor in the car’s condition and total mileage. If the vehicle has been poorly maintained or has had accidents, it might not qualify. Classic car insurance generally won’t cover your primary vehicle. It may stipulate that your vintage car should be stored in a garage or an equivalent structure when not in use.

If you’re unsure whether your car qualifies, contact Carr Insurance Group in Maryville, TN. Our independent agency’s insurance experts will assist you in finding the perfect coverage for your classic car. To kick-start this process today, please call 865-688-1212 or visit the Carr Insurance Group office at 3508 East Lamar Alexander Parkway.

The purpose of motorhome insurance

Posted on May 29, 2024May 29, 2024 by admin

People who own motorhomes or RVs may want to look into purchasing an insurance plan to cover their motorhome. Like auto or homeowners insurance, this type of coverage can protect against various types of damage or losses in the Maryville, TN area. At Carr Insurance Group, we can provide a plan that covers motorhomes and provides a sense of security for owners. Here is an outline of the most important reasons for motorhome insurance.

Coverage against accidents

Because motorhomes are also motor vehicles, there is always a risk of an accident while on the roads. The large size of these vehicles also makes accidents more likely than driving a standard vehicle. Because an accident can require expensive repairs afterward, collision and accident coverage is one of the most important reasons to invest in motorhome insurance from Carr Insurance Group.

Comprehensive coverage

Those who are familiar with comprehensive coverage for their motor vehicles in Maryville, TN, should know that motorhomes have similar reasons for comprehensive coverage. Things like theft, vandalism, and other types of damage unrelated to an accident will require comprehensive coverage for the owner to get financial assistance with repairs or replacements.

Property inside the motorhome

Coverage can be purchased to protect the value of any property within the motorhome. Furniture, appliances, and other valuable pieces of property can be inside the RV, especially for people who live in it. If this property is stolen or damaged, motorhome insurance can help the owner receive financial assistance for replacements.

Contact Carr Insurance Group to learn more.

Our agents at Carr Insurance Group can provide additional information about coverage for motorhomes. Please contact us today.

Tennessee Issues That May Require Business Umbrella Insurance

Posted on April 29, 2024April 27, 2024 by admin

Most people think of adding extra coverage to their home or car. They might even increase the payout cap on their life, health or vision, and dental insurance.

Not everyone thinks about their business assets, though. One reason is that they may work at home instead of in an external office. They might not realize that some of their business use isn’t even covered under their homeowner’s policy.

Common Insurance Issues To Resolve

Having your business office inside your home complicates matters when making a claim. It’s tough to separate the commercial from the personal if you work where you live. Either way, umbrella insurance fills that gap, just in case.

If your business office is separate from your living space, you have other issues to consider. For instance, what if you want to hire employees? You will have to consider their needs as well as yours.

For instance, certain industries, such as mining or manufacturing, pose a higher risk than an office worker. Depending on the danger of your employees’ duties, Carr Insurance Group recommends you offer more than the minimum workers’ compensation offered in Maryville, TN.

Umbrella insurance for your business also may save you from going bankrupt after a libel lawsuit. Property damage, injury, or accidents added beyond your current coverage could also threaten your financial future. That’s another case in point for choosing supplemental coverage.

Take the Guesswork Out of Buying Insurance.

You may still have more questions than answers. Please get in touch with a Carr Insurance Group agent in Maryville, TN, today.

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