Insurance Services

Auto Insurance

 

North Carolina, under Vehicle Financial Responsibility Act of 1957, requires that all drivers who are found to be at-fault in the event of a car crash are able to pay bills and damages arising from the accident. Therefore, you need to purchase auto insurance to register and maintain a car in North Carolina. Hence, carrying an insurance binder, a DL-123 certification, or your policy’s declaration page from DeBruhl’s Insurance Services, LLC is a requirement.

 

What are the auto insurance minimum requirements?

A minimum North Carolina auto insurance policy must carry liability insurance and uninsured motorist coverage. The liability insurance will protect you financially in case you cause damages in an accident, while the motorist coverage will protect you when you get involved in an accident caused by an uninsured driver. While Bodily Injury (BI) will pay the medical bills of the other driver and his or her passengers, if you are found to have caused the crash, Property Damage (PD) offers you the same protection in paying for damage to other people’s property, which you were at fault. Your uninsured motorist coverage (UM) option is used when you are involved in an accident with another driver who is either uninsured or underinsured in North Carolina.

 

What is optional auto insurance coverage?

A minimum insurance policy will pay the other driver what is due and protect some of your assets in the event of a road accident. Since the minimum coverage does little in paying your medical bills, it is possible that you will be left with a massive medical bill for your injuries and even repairs. Therefore, you need optional coverage options that can take care of your expenses.

  • Collision: Pays for the damage caused to your car when you hit another vehicle or object such as a street light in North Carolina. You will need to pay a dollar deductible amount out-of-pocket before DeBruhl’s Insurance Services picks up the bill.
  • Comprehensive: Pays for any physical damage caused to your car from other incidents such as hail or falling tree branches. You need to select a dollar deductible that will reflect on your policy’s coverage premiums.
  • Medical Payments: Pays off necessary medical expenses such as ambulance, surgeries, and rehabilitative services up to a certain limit per accident. This coverage option will also pay for funeral expenses in case a person dies from a car crash.

Home Insurance

 

Our team at DeBruhl’s Insurance Services, LLC in Asheville, NC understands the importance of protecting your home, and this is why we represent the industry’s top insurance providers who offer reliable homeowner’s insurance policies. A survey by the American Home Owners Association reveals that home investment is a major expense in most American adult’s lives. We value the importance of your investment, and we will ensure to help you find a great insurance policy to protect it.

 

Our Homeowner’s Insurance at a Glance

DeBruhl’s Insurance Services, LLC is an independent broker in North Carolina who works closely with clients to offer them home insurance with a varied choice of coverage options. Unlike other insurance policies, the cost for homeowner’s insurance can vary dramatically based on the add-ons you choose. Our team of licensed professionals and insurance experts will help you select the expert-recommended add-ons for your home protection based on your requirements and choice.

 

Plus, we will assist you in identifying, selecting, and deciding the optimal coverage plan for your property. Coverage options: A homeowner’s insurance is designed to protect your home from major expenses caused due to hail and storm damage, fire, theft, and other natural calamities. With home insurance, you don’t have to worry about the damaged roof after a heavy rainfall because it covers you for major repairs or replacement cost, in most instances. Plus, homeowner’s insurance also covers bodily injury costs and lawsuit expenses if filed against the homeowner in the event of accidental injury to someone who was hurt while in your home.

 

Instant quoting system

Enjoy the ease with our free instant quote feature on all types of home insurance policies. We work with companies that offer HO1 standard, HO4, HO2 and HO3 special, and HO5 enhanced homeowner’s insurance policies. Whether it is your primary home or a vacation home, home insurance is the best way to protect your property from unseen events.

 

Customer Service

Even as an independent insurance agency, we value the importance of customer satisfaction the most. We try our best to serve each customer in the best possible way by providing them with the ideal choices of homeowner insurance policies, so they can make the right decisions while selecting one. Whether you own a condo, a townhouse or a bungalow, we can offer you the right insurance policy to get you covered.

 

To learn more about all our insurance options for homeowners, give us a call today or visit our office in Asheville, NC. Our agents are ready to answer your questions and help you get a quote on a home insurance policy.

Commercial Insurance

 

The goal of doing business in North Carolina is to maximize profits while minimizing overall costs. DeBruhl’s Insurance Services, LLC of North Carolina has a team of knowledgeable insurance experts who can help you satisfy all your business’s insurance needs without too much difficulty. We are dedicated to helping our customers balance their distinct needs and business requirements by reducing the financial impact of unanticipated losses caused by accidents, lawsuits, natural disasters, and employee injuries through insurance coverage.

 

What are the requirements of commercial auto insurance in North Carolina?

Every car owner in North Carolina needs auto insurance for financial protection in the event of a car crash. The same auto insurance needs apply for businesses with a fleet of vehicles. Even if your staff members use company vehicles to run both personal and business errands, you need a commercial auto insurance coverage to protect your business’s assets. Ensure that the company name appears on the insurance policy as the “principal insured” rather than your name, if the company owns the vehicles. Purchasing commercial auto insurance is dependent on the type of driving your employees do. Our insurance agents will discuss your business vehicle insurance options with you to help you find a package that fits your needs depending on how your company vehicles are used.

 

The state regulations determine the basic business insurance policy requirements. A North Carolina business insurance coverage includes a combination of the following options:

  • Commercial Auto
  • Group Benefits
  • Worker’s Compensation
  • Professional Liability
  • Errors & Omissions
  • Commercial Property
  • Business Owners Policies (BOP)

At DeBruhl’s Insurance Services, LLC in Asheville, NC, we understand the importance of having manageable, yet comprehensive business insurance coverage regardless of the type or size of your business. We take the burden of identifying the required state policies off your shoulders and determine the most affordable and effective commercial insurance solutions that match your business’s specific needs.

 

We offer commercial auto insurance for businesses with commercial vehicles in North Carolina and its surrounding areas. Designing a business insurance package that suits the unique needs of your business is not an easy feat. Contact DeBruhl’s Insurance Services, LLC in Asheville, NC to get reliable business insurance coverage options and quotes.

Life Insurance

 

The topic of death is always uncomfortable to talk about particularly in a family set up; however, it is inevitable. How will my family fare on when I am gone? Are my children well placed to have a future even when I am not around? Who will be responsible for the bills after I die? These are some of the questions that no one wants to ask, but they need to be answered comprehensively.

 

Even in the instance that you have savings kept somewhere, you should still have a life insurance policy that will cover your family extensively after you are gone. At DeBruhl’s Insurance Services, LLC in North Carolina, we understand that your family’s safety is your number one priority, and we want to offer you reliable and customized life insurance coverage to keep you at ease.

 

Customized life insurance coverage gives you peace of mind in the event of death as it can be set to secure particular aspects of your family’s needs. For instance, at DeBruhl’s Insurance Services, LLC in North Carolina, we have a special package that ensures your child gets all the funding needed in order to secure a top education that will prepare them well for the future. At DeBruhl’s Insurance Services, LLC, we offer two types of life insurance coverage options, namely whole life insurance and term life insurance.

 

Term Life Insurance

Our term life insurance coverage offers California residents the guarantee of a comprehensive payout in the instance of death of the policyholder for a specified period. The periods can be from 5 to 30 years at a time and can be renewed after the limit has expired. These typically have lower costs compared to whole life insurance policies.

 

Whole Life Insurance

Our life insurance coverage also provides for lifetime protection for you and your loved ones through our whole life coverage. This policy is beneficial for families and those with long-term needs such as children. There are many benefits to a whole life insurance policy which you can discuss with an agent at DeBruhl’s Insurance Services, LLC Asheville, NC.

 

Contact our offices in Asheville, NC to learn more about a policy and how life insurance can affect your way of life. Prevent financial strains and speak with an agent to get a quote and learn how to get started.

Flood Insurance

 

Why should you buy flood insurance?

Having a flood insurance policy will not only protect your valuables and property, but it also will give you the peace of mind when worrying about flood-related losses. Homeowners in our country spend a fortune towards the repair costs due to unexpected flood damage. Even an inch of flood water can cause significant damage to your home. But with flood insurance, you will stay prepared for such unexpected events without worrying about being financially devastated.

 

Considering the importance and growing demand for flood insurance policies, DeBruhl’s Insurance Services, LLC in Asheville, NC now offers a range of reliable flood insurance choices provided by the reliable carriers. Whether or not you live in a high-risk flood zone, choosing a flood insurance policy is the best decision to protect your home from such unseen events. Plus, such insurance policies will add an extra layer of protection to your home.

 

How can we help you?

At DeBruhl’s Insurance Services, LLC, we have a team of the industry’s expert finance and insurance advisors who are always ready to walk an extra step when it comes to customer service. Our team can help you find the right flood insurance so that you avoid the hefty cost of flood damage when your house is affected by flooding.

 

How is flood insurance different from a homeowner’s insurance policy?

Most homeowners assume that home insurance or a renter’s insurance policy covers flood-related expenses. However, a majority of insurance companies do not typically cover flood damage. Therefore, you need to select an exclusive flood insurance policy to get the coverage for all the expenses towards the damage caused due to flooding.

 

North Carolina’s reliable insurance provider:

DeBruhl’s Insurance Services, LLC is an independent and full-service insurance broker that has served its patrons in North Carolina for years. With our impeccable customer service, top-notch performance, and highly acclaimed insurance services, we are one of the most well-known insurance brokers in this area. Our team works closely with each customer to give them reliable insurance plans for flood-related coverage.

 

With an aim to give the best rate on each plan, our team in Asheville, NC will compare, verify, and give you a custom quote for every type of flood insurance policy you choose. Whether you want to add an additional layer of protection to your property or are required to buy a flood insurance policy due to the local federal law mandates, we are here to help you choose the right flood insurance for your situation.

Condo Insurance

 

Why Is Condo Insurance Needed in North Carolina?

Many condos are covered under a master association policy, so condo owners may think that condo insurance is not required. However, there are certain things that the master association policy doesn’t cover, and without your own condo insurance, you could face financial disaster in the event of a loss. The master policy will not cover your personal liability, as well as your personal belongings that are in the condo.

 

What Does Your Condo Insurance Cover in North Carolina?

Your condo insurance will cover a wide range of items, which can include personal liability, personal property, loss of use, and medical payments. The HOA liability will only apply if a resident or visitor is injured in the common areas, such as a swimming pool or pathway. If someone accidentally falls down your stairs, then your personal condo insurance will cover this liability. Not only will insurance pay the settlement, but it can also cover the cost of defending you from lawsuits. Have enough liability insurance to cover your assets. Some experts recommend the value of your assets plus five times your annual income, in order to stay protected. If there is a fire and everything in your condo gets destroyed, your HOA may cover the building, but it won’t cover any of your property. An inventory of your belongings can help you determine how much coverage you need. Remember that this won’t necessarily cover all your high-ticket items. An agent at Debruhl’s Insurance Services, LLC can also help you determine how much coverage to have.

 

Many HOAs are also choosing higher deductibles to reduce premiums, which means that condo owners could be on the hook for some of this in the event of a disaster. Be sure to read your master policy to see if this coverage would benefit you in Asheville, NC. Loss of use coverage is important to consider if you will need to stay elsewhere while your condo is being repaired.

 

Contact Debruhl’s Insurance Services, LLC, serving Asheville, NC, to get a quote on condo insurance.

Umbrella Insurance

 

Should You Have Umbrella Insurance in North Carolina?

An umbrella policy can give you extra liability protection and cover additional things that your homeowners, auto, or boat insurance won’t include. If you have additional risks factors, such as a balcony, a pool, children, or pets, and have a higher risk of being sued, then you would want to have the additional coverage. An umbrella policy is not just for the wealthy, and even those without a lot of wealth aren’t immune from being sued. Additional coverage that an umbrella policy provides includes slander, false arrest, libel, wrong entry or eviction, and defamation of character.

 

How Does Your Umbrella Policy Work in North Carolina?

Umbrella insurance is used when you have already reached the limits on your home or auto insurance. If you get into a car accident, the damage is bad, and there are a lot of injuries, you could be on the hook for more than your liability insurance covers. If you have $500,000, but unfortunately someone dies, and you are required to pay a judgment of $1 million, you are going to have to come up with an additional $500,000, unless you have an umbrella policy in place.

 

In order to qualify for an umbrella policy in Asheville, NC, you already have to have certain limits on your home and auto insurance. While it can vary slightly, you are likely required to have $500,000 per accident for bodily injury and $100,000 for property damage liability on your auto policy, as well as $300,000 for your home liability. An agent at Debruhl’s Insurance Services can help you determine if you qualify.

 

Many insurance agents will recommend having $1 million in coverage for an umbrella policy, but it’s important to consider all your assets when determining how much coverage you need. Assets also include future wages, as these can also be taken to pay for a judgment.

 

Contact Debruhl’s Insurance Services, serving Asheville, NC, to get a quote on umbrella insurance.

Boat/Watercraft Insurance

 

Are You Required to Have Boat Insurance in North Carolina?

Boat insurance isn’t required in the state, but it is still a good idea to have in order to protect your watercraft. Boats do have some limited coverage under a homeowner’s policy, but it can be restricted to certain types of boats, such as boats with inboard motors of less than 50 horsepower or sailing vessels fewer than 26 feet long. It may be possible to add a watercraft endorsement to your homeowner’s policy, or you can get boat insurance for maximum coverage in Asheville, NC.

 

What Can Boat Insurance Cover in North Carolina?

Boat policies aren’t standardized like many homeowner’s insurance and automobile policies are in the state so that each policy can be a bit different. An agent at Debruhl’s Insurance Services can help you come up with a policy for your needs and also help you understand what is covered in your coverage.

 

Physical damage coverage is usually going to be based on actual cash value. This means that it pays the boat’s current replacement cost, minus depreciation. Occasionally, an insurer will offer an agreed value policy. This policy will pay for repairs or replacement if the boat is damaged by fire, lightning, vandalism, collision, windstorm, or theft. Items that are covered include the vessel itself, along with the motor and the trailer. You can also get coverage for personal property that is kept on board. There may also be separate policies for fishing equipment stowed on board.

 

Liability coverage is one important reason to have boat insurance, and it pays for any bodily injury or property damage for which you are responsible. Coverage may also include a provision to remove a sunken vessel if the law requires it. Medical payments coverage will pay for any medical or funeral expenses due to a boating accident. This coverage can be limited but can also be increased for a higher premium.

 

Contact Debruhl’s Insurance Services, serving Asheville, NC, to get a quote on boat and watercraft insurance.

Motorcycle Insurance

 

Motorcycle Insurance for Those Around North Carolina

Buying motorcycle insurance in North Carolina can be tricky, but not difficult if you seek help from an experienced and full-service insurance broker such as DeBruhl’s Insurance Services, LLC in Asheville, NC. As an experienced service insurance broker, DeBruhl’s Insurance Services, LLC’s North Carolina team will help you identify the right insurer that offers motorcycle insurance services matching your needs, budget, and interests.

 

If you are passionate about bikes, then you must know how expensive a bike repair can be. With suitable motorcycle insurance, you can protect your vehicle and avoid overpaying in the event of an accident, breakdown, and theft. Our team will fully describe the benefits while discussing all types of motorcycle insurance policies with you. You can get a free quote, free comparisons, and coverage details from our team.

 

Most of the insurance providers we work with are the industry’s top leaders. Therefore, you will get full replacement cost, total coverage on loss, coverage towards personal belonging, and gear loss. Each of the motorcycle insurance options suggested by us are reliable and offer a wide range of coverage options. For new bikes, these insurance policies provide total loss coverage. We can also provide coverage for liability in the event of accidents to cover injuries to a third party and pay for repairs to someone else’s property or vehicle.

 

Uninsured and underinsured policies can provide coverage for those involved in an accident with someone who has no insurance or is underinsured. This policy will cover damages and possible replacement of your bike if it is totaled or damaged in an accident.

 

Options of coverage range from roadside assistance to collision and replacement costs, special equipment coverage, and protection plans for other loss and bodily injury too. Customized motorcycle insurance covers most motorcycles from top manufacturers. Whether you own a Harley-Davidson or a Honda bike, our custom-tailored insurance policies will offer adequate protection plans for each bike type.

 

Contact us

Do you have more questions regarding motorcycle insurance? Call us today to learn more. Our agents in Asheville, NC can help you get a quote and help you get started on a motorcycle insurance policy.

RV Insurance

 

Your RV will provide you, your family, and friends with tons of travel hours. However, to get the most out of your motorhome in North Carolina, you need a reliable RV insurance policy. Purchasing RV insurance before you hit the road is mandatory in North Carolina. DeBruhl’s Insurance Services, LLC, located in Asheville, NC, will provide you with an ideal policy that suits your budget and insurance needs.

 

How does RV insurance work?

The common vehicles you can insure with an RV insurance policy include Tent Trailers, Fifth Wheels, Bus Conversions, Truck Trailers, Toy Hauler Trailers, and Class A, B, and C Motorhomes. Remember, if you live in your RV, you will be required to have additional coverages than what part-time RV users purchase. Coverage can be equivalent to that of homeowners if you use your RV full-time.

 

DeBruhl’s Insurance Services, LLC’s RV insurance coverage options include:

  • Collision: Protects your RV if you get into a collision. This policy will pay for the damages to your vehicle if you are found at fault in an accident.
  • Liability:If you cause a wreck while using your RV, this coverage will protect you against any lawsuits resulting from the accident.
  • Comprehensive: It protects your RV in case anything happens to it that is not accident-related. Hail damage is a good example of repair costs that comprehensive coverage will cater for.
  • Uninsured/Underinsured Motorist: This coverage ensures that you still have enough coverage to repair your RV if it gets damaged when you are involved in a crash with an uninsured or underinsured driver.

Popular specialty RV coverage add-ons include personal belongings, emergency expenses, towing, equipment protection, campsite, and vacation.

 

For more information on finding the right RV insurance policy in North Carolina, contact DeBruhl’s Insurance Services, LLC in Asheville, NC. Our team of insurance professionals will guide you in understanding various RV insurance coverage options so that you can make an informed decision. We are dedicated to helping our customers meet state minimums and get a reliable policy.

Renters Insurance

 

North Carolina is an amazing place to live. However, when disaster strikes, it doesn’t discriminate between those who rent or own homes. Just like homeowners, renters also face risks. Even though your landlord may have insurance, it only safeguards building structure but not your personal items. With renter’s insurance from DeBruhl’s Insurance Services, LLC in Asheville, NC, you’re protected from losses.

 

Our renter’s insurance coverage includes:

 

Personal Property Coverage

Think of what you own and how hard you worked to get those items. Personal property coverage helps replace your personal items in the event of an insured risk. In most cases, perils covered include fire and theft.

 

So, if your electronics get stolen or your furniture and clothing destroyed by fire, this policy may assist you to meet the cost of replacing them. It’s essential to know your coverage limits. Go through your policy with our agents and ask for clarification where necessary.

 

It’s worth mentioning that personal property coverage may not cover everything. Some belongings like jewelry and comic collection may not be covered. Our agents can help you in determining whether you need additional coverage to safeguard specific items.

 

Liability Coverage

If you’re found responsible for causing damages or injury to other people, you may have to pay for some costs out of your pocket. However, with liability coverage offered in renter’s insurance, it may help you pay.

 

Although you may not expect accidents to occur, your child may kick a ball through one of your neighbor’s windows causing damages and injuries. Sometimes, guests may trip and get injured by something in your home. Without liability coverage, you may have to pay for medical bills or damages.

 

Additional Living Expenses

What would happen if your rented home is destroyed by fire rendering it uninhabitable? Renters insurance comes in to help you meet additional living expenses for bills such as hotel and food.

 

At DeBruhl’s Insurance Services, LLC, we pride ourselves on keeping everyone renting a home in North Carolina safe. Call us or visit our offices in Asheville, NC to get covered.

Other Insurance

 

At DeBruhl’s Insurance Services, LLC in Asheville, NC, we understand that our clients have varying insurance needs and we are here to offer you the maximum financial protection that you deserve. Our insurance experts will provide you with personalized insurance services that cater to your unique needs. We focus on you so that you can focus on everything else. Apart from the classic car, party and event insurance policies, we also underwrite the following policies:

 

Uber Drivers’ Insurance

Have you signed up to drive for Uber to earn some extra income? Do you understand the implications of your decision to your car insurance policy and who will pay in the event of an accident? Typically, driving for Uber can invalidate your personal auto insurance policy in North Carolina, and you need a backup in case of an accident. Our Uber drivers’ insurance offers you the protection that you deserve when the worst happens. We provide coverage while you are waiting for a request, on your way to pick up a rider, and during the trip. Our insurance policy will protect you even when you are driving your car for personal use.

 

Vacation Rentals Insurance

The biggest question among vacation rental property owners is, “do I need an exclusive vacation rental insurance policy for my property?” The simple answer to this question is yes. Your homeowners or landlord policy doesn’t protect your vacation rental property since the insurer views it as a business. However, at DeBruhl’s Insurance Services, LLC, we offer a client-friendly vacation rental insurance that covers liability, lost income, and structure plus contents of the property in the event of damage, fire, theft, or any other covered incident.

 

Airbnb Insurance

Have you listed your home or apartment on Airbnb? We also have a reliable insurance package for you to protect you and your clients. Our host insurance policy provides primary coverage for Airbnb hosts and landlords. We shall protect you against liability claims no matter where the lawsuit is filed- whether in North Carolina or anywhere in the world. We shall protect you against the unexpected and ensure that you are always at peace with your clients.

 

Contact us or visit our office in Asheville, NC today for all of your insurance needs and to get a quote.

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