Page 4 – The Catawba River Insurance Group

Car vs. Truck Insurance

Thu, 15 May 2025 14:00:00 GMT

Driving a vehicle of any kind involves a certain level of risk, and different types of vehicles have different risks associated with them. Because the risks are different, the insurance for different types of vehicles is also different. Our team at The Catawba River Insurance Group has comprehensive knowledge of the various types of auto insurance, and we want to discuss some of those differences here. If you want to learn more about what sets truck insurance apart from regular car insurance , we encourage you to read on.

If you’re looking for truck insurance , or any other vehicle insurance, don’t hesitate to contact our team to learn more!

The post Car vs. Truck Insurance first appeared on The Catawba River Insurance Group .

Differences Between Personal and Commercial Auto Insurance

Tue, 15 Apr 2025 14:00:00 GMT

Our team at The Catawba River Insurance Group has extensive experience in the insurance industry, and you can count on us to help you find the best insurance for your needs. Over the years, we have answered countless questions about the various types of insurance and the differences between them, and we want to shed light on one such distinction here. Keep reading to learn more about the differences between personal and commercial auto insurance .

The post Differences Between Personal and Commercial Auto Insurance first appeared on The Catawba River Insurance Group .

Is Renters Insurance Worth It?

Fri, 14 Mar 2025 14:00:00 GMT

If you are renting a home or apartment, you may not think insurance is necessary since your landlord is required to have insurance. However, it’s important to note that your landlord’s insurance only covers the dwelling, not your belongings or specific unit.

If you want liability coverage in case you damage the property or someone is injured, you’ll need renters insurance. Renters insurance will also cover any personal items that may be broken or stolen while you’re living in the space. Here are a couple other advantages of investing in a renters insurance plan :

The post Is Renters Insurance Worth It? first appeared on The Catawba River Insurance Group .

When to Choose Term Life Insurance

Thu, 13 Feb 2025 15:00:00 GMT

Life insurance is an important thing to have, especially if you are the breadwinner in your family and you have dependents who need support if you pass away. It can offer your family some financial security in your absence and greater peace of mind during the grieving process.

There are several types of life insurance out there, but the main distinction to understand is between term life insurance and permanent life insurance options. Some types of life insurance, like whole life insurance, offer protection for your entire life. Term life insurance, on the other hand, only lasts for a specified period, such as 10, 20, or 30 years.

If you’re weighing your options between term life insurance and whole life insurance, here are a couple signs that term life insurance may be the better option for you and your family:

The post When to Choose Term Life Insurance first appeared on The Catawba River Insurance Group .

Four Things Home Insurance Plans Don’t Cover

Wed, 15 Jan 2025 15:00:00 GMT

Having home insurance offers you the peace of mind and financial protection you need. The coverage it provides is also a point of interest for mortgage lenders, who want to ensure they are accounting for the appropriate amount of risk when offering you a loan. However, although home insurance policies are designed to cover a wide range of situations and home features , there are some specific things that your plan might not cover.

To help you fully understand your home insurance options, it’s crucial to understand what factors aren’t covered in most basic insurance plans. Here are some common factors that your current policy might not protect:

If you need home insurance , contact The Catawba River Insurance Group and we will assist you in finding the right plan.

The post Four Things Home Insurance Plans Don’t Cover first appeared on The Catawba River Insurance Group .

Basic North Carolina Auto Insurance Requirements Explained

Mon, 16 Dec 2024 15:00:00 GMT

Driving without insurance isn’t just a reckless decision; it’s also illegal. State law requires all drivers to have auto insurance while on the road, and there are specific minimum requirements for what these insurance policies need to cover. Although there are additional protections you can choose for your auto insurance plan , there are two basic requirements all policies must meet: liability coverage and uninsured/underinsured motorist coverage.

Liability coverage pays for injury, pain and suffering, property damage, and lost wages you cause another driver in an at-fault accident. The minimum requirement is known as the 30/60/25 rule, which includes:

An important part of auto insurance is uninsured/underinsured motorist coverage. This component helps cover injuries and lost wages suffered by you or your passengers after getting into an accident with an uninsured or underinsured driver. The 30/60/25 rule applies here too:

The post Basic North Carolina Auto Insurance Requirements Explained first appeared on The Catawba River Insurance Group .

Five Business Insurance Mistakes and How to Avoid Them [infographic]

Thu, 12 Dec 2024 15:00:00 GMT

As a business owner, you know that properly insuring your operations is essential. But even if you have insurance, you need to avoid making a few common mistakes to ensure your operations are fully protected.

If you need help avoiding these mistakes and making sure your business is properly insured, we’d be happy to help. Contact us at The Catawba River Insurance Group today!

The post Five Business Insurance Mistakes and How to Avoid Them [infographic] first appeared on The Catawba River Insurance Group .

Why Workers’ Compensation Insurance Matters for Employers

Fri, 15 Nov 2024 15:00:00 GMT

Workers are the foundation of any business. They are essential to its daily operations, its culture, and its success. Their health is extremely important, and if they become unable to do their job because of a work-related illness or injury, it’s your responsibility as their employer to pay for workers’ compensation benefits.

There are several reasons why workers’ compensation insurance is important for employers :

If you need assistance with workers’ compensation insurance , our agents at The Catawba River Insurance Group can help you find the right plan. Contact us today to get started.

The post Why Workers’ Compensation Insurance Matters for Employers first appeared on The Catawba River Insurance Group .

Cover More, Worry Less: A Guide to Homeowners Insurance Add-Ons [infographic]

Thu, 17 Oct 2024 14:00:00 GMT

The standard homeowners insurance policy is designed to cover the essentials and most often includes dwelling protection, personal property, and liability coverage. However, the landscape of risk can be difficult to predict, which is why many people find insurance add-ons to be an appealing option that can add extra coverage to a standard policy. But how do you know what add-ons are right for you?

Let’s explore a few of the common homeowners insurance add-ons and who they might be right for!

Interested in learning more about what homeowners insurance add-ons are available? Our team is ready to assist you, so contact us today to start amping up your homeowners insurance policy with coverage tailored specifically to your needs and circumstances!

The post Cover More, Worry Less: A Guide to Homeowners Insurance Add-Ons [infographic] first appeared on The Catawba River Insurance Group .

Why You Need Renters Insurance

Tue, 15 Oct 2024 14:00:00 GMT

In our experience at The Catawba River Insurance Group, most people understand the need for homeowners insurance. Since home ownership is a dream for many, it makes sense to thoroughly protect that home once you get one. However, not everyone understands the need for renters insurance , as they believe the landlord’s insurance on the property will also protect them. Unfortunately, this is not the case.

In this article, our team will explain more about renters’ insurance and why we encourage all tenants to purchase it.

The post Why You Need Renters Insurance first appeared on The Catawba River Insurance Group .

Why You Need Workers’ Compensation Insurance for Your Business

Mon, 16 Sep 2024 14:00:00 GMT

Starting a business involves some inherent risks, and it’s important to do everything you can to reduce those risks. Business insurance exists to provide a safety net for you and your business if something goes wrong.

However, there are many types of business insurance, such as commercial property insurance to cover the cost of repairs to your building, and general liability insurance to cover legal costs if someone decides to sue your company. In this article, our team at The Catawba River Insurance Group will focus on workers’ compensation insurance , which exists to cover medical bills and lost wages of injured workers, and we’ll explain why you need it.

The post Why You Need Workers’ Compensation Insurance for Your Business first appeared on The Catawba River Insurance Group .

Motorcycle Insurance 101: Understanding Your Coverage

Thu, 15 Aug 2024 14:00:00 GMT

When you buy a car, you’re required to get car insurance. Similarly, when you purchase a motorcycle, you’ll need to get motorcycle insurance, too. If you’re not sure where to begin your search for coverage, our team at The Catawba River Insurance Group is here to help.

Our agents have extensive experience in the insurance industry, and we can help you find the ideal motorcycle insurance policy for your needs. In this article, we’ll share some key facts you should know about motorcycle insurance and what it covers.

The post Motorcycle Insurance 101: Understanding Your Coverage first appeared on The Catawba River Insurance Group .

Dispelling Three Common Myths About Home Insurance

Mon, 15 Jul 2024 14:00:00 GMT

Our team at The Catawba River Insurance Group is always here to answer your insurance questions. Insurance is a complex subject, and information about it is not always presented in an accessible way. In addition, there are a variety of myths and misunderstandings about insurance, making the topic even more confusing.

In this article, our team will do our best to shed some light on the matter by dispelling a few of the most common myths about home insurance .

The post Dispelling Three Common Myths About Home Insurance first appeared on The Catawba River Insurance Group .

Three Reasons to Work with an Insurance Agency [infographic]

Fri, 14 Jun 2024 14:00:00 GMT

At The Catawba River Insurance Group, we understand that shopping for insurance can be challenging. Researching and comparing policies from different insurance companies takes time, and the process often becomes tedious. Fortunately, our team can help you avoid this hassle.

Our insurance agency works with a wide range of insurers, and we can efficiently sort and compare policies to help you find the best option for your needs. In this article, we’ll go over a few reasons why we encourage you to work with an insurance agency like ours .

The post Three Reasons to Work with an Insurance Agency [infographic] first appeared on The Catawba River Insurance Group .

Smart Hacks to Save on Your Commercial Auto Insurance Premiums

Wed, 15 May 2024 14:00:00 GMT

Running a business on a budget can be tricky. One major line item that takes a big bite is insuring your company vehicles. But before you panic, pump the brakes. With some smart maneuvers, you can dramatically slash your commercial auto insurance rates without sacrificing an ounce of coverage. Intrigued? Then keep reading!

With some wise maneuvering, you can steer your company around costly premium hikes without swerving into coverage gaps or liability landmines. Start employing these commercial auto insurance savings hacks by talking to our qualified insurance agents today.

The post Smart Hacks to Save on Your Commercial Auto Insurance Premiums first appeared on The Catawba River Insurance Group .

Why is Renters Insurance so Affordable?

Mon, 15 Apr 2024 14:00:00 GMT

Renters insurance offers surprisingly robust coverage at remarkably low prices. In fact, some policies often cost as little per month as a streaming service subscription! In this blog, we’ll unravel why this essential protection remains budget-friendly no matter your income bracket.

The key reason renters insurance comes cheap lies in what it does and doesn’t cover. With homeowners’ insurance, you insure both the structure and belongings. With renters insurance, however, you only protect your possessions, personal liability if someone gets injured in your rental, and guests’ medical bills. Your landlord handles insuring the building itself.

Because renters insurance only covers your stuff, it’s much lighter on coverage than homeowners insurance. This design allows providers to offer expansive protections for a fraction of the price. Even if you have expensive possessions like jewelry, electronics, and instruments, the comprehensive policy plans remain budget-conscious.

The affordable premiums, combined with far-reaching protections, make renters insurance an easy choice for all renters. Even if money is tight, you can safeguard your property for mere pennies a day. Given how much your belongings are worth and that most landlords require some form of personal liability coverage, renters insurance provides essential financial security on a sensible budget.

The bottom line? Renters insurance gives you robust safeguards for your possessions and liabilities at a remarkably low cost. While your landlord insures the structure, you handle protecting your stuff. This split allowance keeps premiums affordable month after month. So, why not take advantage of this budget-friendly essential protection? Contact us at The Catawba River Insurance Group and request a quote today.

The post Why is Renters Insurance so Affordable? first appeared on The Catawba River Insurance Group .

An Introduction to the Different Types of Life Insurance [infographic]

Fri, 15 Mar 2024 14:00:00 GMT

Purchasing life insurance is a great way to protect your family members and your peace of mind. As you shop for this type of insurance, you’ll quickly notice there are several types, each with its own advantages and features to meet unique needs and financial goals.

Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Variable Life Insurance

The post An Introduction to the Different Types of Life Insurance [infographic] first appeared on The Catawba River Insurance Group .

Three Reasons to Acquire an Umbrella Insurance Policy as a Homeowner

Fri, 15 Mar 2024 14:00:00 GMT

Becoming a homeowner is a major milestone that signifies financial responsibility. And part of that responsibility is making sure your largest asset is properly protected. Most homeowners carry adequate home and auto insurance policies to cover damages and theft to their property. However, there are certain liability risks that standard policies don’t address fully.

An umbrella insurance policy is designed specifically to provide additional liability protection above and beyond your existing policies. It kicks in where your homeowners’ or auto insurance policies can’t, providing an extra level of security. Here are three key reasons why you should invest in an umbrella insurance policy :

At The Catawba River Insurance Group, we would like to help you secure an affordable umbrella insurance policy with excellent coverage for the things you value. Contact us today to get started.

The post Three Reasons to Acquire an Umbrella Insurance Policy as a Homeowner first appeared on The Catawba River Insurance Group .

Cash Value Component: The Hidden Treasure in a Universal Life Insurance Policy [infographic]

Thu, 15 Feb 2024 15:00:00 GMT

Many savvy policyholders prefer universal life insurance due to its lifelong coverage and flexibility when paying premiums. But did you know that this policy does double duty? In addition to the lifelong coverage, there’s an untapped source of liquidity exclusive to universal life insurance policyholders.

This hidden treasure is known as the cash value component. Unlike other insurance policies, a portion of the premiums paid into a universal life insurance policy is set aside as cash. You can easily access the amount in ways that are uniquely beneficial to you as a policyholder, such as:

While the life coverage takes care of your loved ones, the cash value protects you with unique financial privileges that most insurance policies can replicate. Don’t let this hidden treasure slip through your fingers!

If you would like to learn more about the benefits of a universal life insurance policy for you and your family, talk to our insurance team today.

The post Cash Value Component: The Hidden Treasure in a Universal Life Insurance Policy [infographic] first appeared on The Catawba River Insurance Group .

How Workers’ Compensation Insurance Protects Small Businesses [infographic]

Tue, 16 Jan 2024 15:00:00 GMT

According to a recent poll , 26% of small American businesses don’t have workers’ compensation insurance . That’s 1 in 4 businesses where, if a workplace mishap were to happen, they would be forced to dip into their savings to compensate the affected employees. Even worse, they would be left vulnerable to the financial impacts of possible litigation.

As a small business owner, you’re probably worried that your business might take a hit from these unexpected costs and work disruptions. With the right workers’ compensation insurance policy, however, you can help safeguard your organization against these threats in several ways:

At The Catawba River Insurance Group, we are committed to safeguarding the futures of small businesses and their employees with our affordable workers’ compensation insurance solutions . Let’s connect today to make sure you have the coverage you need.

The post How Workers’ Compensation Insurance Protects Small Businesses [infographic] first appeared on The Catawba River Insurance Group .

What Does Renters Insurance Cover?

Fri, 15 Dec 2023 15:00:00 GMT

Renters insurance is a policy designed specifically for individuals who rent their living space. While your landlord’s insurance policy covers the physical building you live in, it doesn’t extend to your personal belongings or liability within the rented premises. That’s where renters insurance comes in .

Below, our team here at The Catawba River Insurance Group explains the different aspects of renters insurance so you can choose a policy that works best according to your needs and budget.

Renters insurance is an affordable way to ensure you’re covered in unexpected events. If you’re not sure if you have the best policy, call our experienced team for assistance today.

The post What Does Renters Insurance Cover? first appeared on The Catawba River Insurance Group .

Five Things to Keep in Mind When Switching Insurance Companies

Wed, 15 Nov 2023 15:00:00 GMT

When it comes to insurance companies, the one you choose will be your partner in protecting your most valuable assets. At The Catawba River Insurance Group, our experienced team is ready to help you with all your insurance needs.

During our time here, we’ve helped countless families find insurance companies that offer them the best value and benefits for their unique situations. To discover the best options for you and your loved ones, here are five things to look for in a potential insurance company:

The post Five Things to Keep in Mind When Switching Insurance Companies first appeared on The Catawba River Insurance Group .

Four Reasons to Consider Term Life Insurance [infographic]

Mon, 16 Oct 2023 14:00:00 GMT

Life insurance is a crucial part of financial planning, especially for families. Among the various types of life insurance available, term life insurance often stands out as a top choice amongst families .

Below, our team explains four key benefits that you might experience by choosing term life insurance over other life insurance options.

It’s always important to assess your family’s needs and consult a trusted insurance advisor to choose the right life insurance policy. If you need help choosing a policy that’s right for you, contact our team at The Catawba River Insurance Group today.

The post Four Reasons to Consider Term Life Insurance [infographic] first appeared on The Catawba River Insurance Group .

Your Guide to Coverage Options in Homeowners Insurance

Fri, 15 Sep 2023 14:00:00 GMT

Homeowners insurance offers a critical safety net for many property owners. It provides financial protection against unexpected disasters, theft, and liability. However, there are different levels of coverage, each offering varying degrees of protection.

To help you better understand your own homeowners insurance policy, we’ve explained some frequently used coverage terms in the article below.

Understanding each level of coverage and assessing your needs is crucial before selecting the best homeowners insurance policy for you . At The Catawba River Insurance Group, we want to be your trusted insurance advisor to help guide you through the process. Contact us today to discuss your insurance needs.

The post Your Guide to Coverage Options in Homeowners Insurance first appeared on The Catawba River Insurance Group .

Types of Motorcycle Insurance: Which One is Right for You?

Tue, 15 Aug 2023 14:00:00 GMT

Motorcycle insurance is as essential as the helmet you put on before hitting the open road. It provides financial protection if you experience an accident, theft, or damage.

But how do you know which policy is right for you? Let’s look at the different types of motorcycle insurance and why you might need them.

The right motorcycle insurance for you depends on various factors , including your financial situation, the value of your motorcycle, and your risk tolerance. It’s crucial to assess your needs and understand each coverage type before deciding. At The Catawba River Insurance Group, we can help you find the best policy for your needs. Contact us today.

The post Types of Motorcycle Insurance: Which One is Right for You? first appeared on The Catawba River Insurance Group .

Questions to Ask Your Home Insurance Agency

Fri, 14 Jul 2023 14:00:00 GMT

Setting up a good home insurance policy should be a top priority for all new homeowners. A home is a big investment, so you’ll want to make sure it’s covered in the event of a disaster. However, it can be hard to figure out what policy you need to make sure you get all of your home insurance needs met.

Here are some of the most important questions to ask your home insurance agency to make sure you’re getting the coverage you need:

If you need help figuring out how to make sure your home insurance policy is suiting all of your needs, contact us at The Catawba River Insurance Group today.

The post Questions to Ask Your Home Insurance Agency first appeared on The Catawba River Insurance Group .

Top Reasons to Purchase a Renters Insurance Policy

Thu, 15 Jun 2023 14:00:00 GMT

Have you recently moved into a new apartment? Maybe you’re currently living in a home that you don’t own. Either way, if you’re renting a place, you should purchase a renters insurance policy. This type of policy is important even if you don’t plan on renting the space for a relatively long time.

Here are a few of the top reasons to purchase a renters insurance policy:

If you’re looking for a renters insurance policy to suit your needs, reach out to us at The Catawba River Insurance Group. We’ll get you set up with policy that will benefit you, so call us today.

The post Top Reasons to Purchase a Renters Insurance Policy first appeared on The Catawba River Insurance Group .

What is Term Life Insurance?

Mon, 15 May 2023 14:00:00 GMT

If you’ve been looking into purchasing a life insurance policy, you may have seen that there are several different types of insurance out there. One of these types is term life insurance , which, like other life insurance options, comes with its own specifications and benefits.

Term life insurance will cover you and your loved ones for a specified term, which typically ranges from 10 years to 30 years. During this time, you’d make a monthly premium payment. If you pass away during this time, your life insurance company will pay a tax-free death benefit to your beneficiaries. However, once the term ends, your life insurance protection will also end.

This type of life insurance is popular with adult couples who are raising their families. Do you want to set up a policy that will help your child pay for college in the event that you pass away? Are there other expenses that you want to make sure your young adult children don’t have to worry about after you’re gone? If so, a term life insurance policy may be your best option .

Term life insurance policies are customizable to your needs. You can pick the length of the term as well as the coverage amount. Every family is different, so the amount of coverage necessary for a couple with one child would most likely be different than the amount of coverage needed for a couple with five children. Whatever your situation and life insurance needs are, you can count on our team at The Catawba River Insurance Group to help you find the best term life insurance policy for you, so call us for your life insurance needs.

The post What is Term Life Insurance? first appeared on The Catawba River Insurance Group .

Should You Get Life Insurance as a Young Adult? [infographic]

Fri, 14 Apr 2023 14:00:00 GMT

You may not realize it, but a good life insurance policy is just as valuable and important to young adults as it is to older adults who are more established in their lives and careers. However, many people in their early 20s don’t see any reason to purchase a life insurance policy. After all, why get a life insurance policy if you’re young, healthy, and don’t have any dependents?

Just about every adult would benefit from a life insurance policy, and here are a few reasons why this type of insurance policy is important for young adults:

If you’re a young adult and want to learn more about how purchasing a life insurance policy will benefit you and provide your loved ones with some financial security if you pass away, contact us at The Catawba River Insurance Group.

The post Should You Get Life Insurance as a Young Adult? [infographic] first appeared on The Catawba River Insurance Group .

How Motorcycle Insurance is Different From Car Insurance

Wed, 15 Mar 2023 14:00:00 GMT

If you recently purchased a motorcycle and are looking into getting a motorcycle insurance policy , you may have noticed that this type of insurance policy isn’t quite the same as car insurance, which may be a little surprising. After all, both motorcycles and cars are transportation vehicles, so shouldn’t they be pretty similar when it comes to insurance?

While there is certainly some overlap in the different policies, there are a few key differences that separate motorcycle insurance and car insurance. For one, standard motorcycle insurance doesn’t cover your passengers. This is because you are typically expected to be on the motorcycle alone. If you want to cover passengers, you’ll need to add passenger coverage, which is a good idea if you plan on regularly transporting other people on your motorcycle.

There are also additional types of motorcycle coverage add-ons that you wouldn’t typically see with standard car insurance. Do you plan on transporting a trailer behind your motorcycle and want to protect it with your insurance? Have you added any custom accessories or parts to your motorcycle and want to keep them insured as well? You can customize your motorcycle insurance to include these add-ons and make sure your motorcycle insurance encompasses everything you need it to.

Are you looking for a motorcycle insurance policy that will keep you and your motorcycle safe? If so, contact us at The Catawba River Insurance Group today to get yourself set up with a policy that will cover what you need it to cover, including any necessary add-ons.

The post How Motorcycle Insurance is Different From Car Insurance first appeared on The Catawba River Insurance Group .

Why Do You Need Life Insurance? [infographic]

Fri, 24 Feb 2023 15:00:00 GMT

If you’ve been given the option to purchase life insurance , did you pass up the opportunity? Many people believe that life insurance is something for people over the age of 50, but that couldn’t be further from the truth. Life insurance is something that almost everyone should have. The earlier you purchase life insurance, the better your premium will be.

Here are a few reasons you should invest in this important coverage sooner than later:

If you have questions about life insurance , reach out to an agent here at The Catawba River Insurance Group. We are trained, certified, and knowledgeable about the many kinds of insurance available to you and your family. We look forward to assisting you!

The post Why Do You Need Life Insurance? [infographic] first appeared on The Catawba River Insurance Group .

Four Policies You Can Get at an Insurance Agency

Wed, 25 Jan 2023 15:00:00 GMT

When you’re thinking about buying insurance, you may think it’s not necessary to deal with an insurance agency. The thing is, while there are numerous policies on the internet you can sort through, an insurance agency can actually provide more benefits than you may think. Your agent is licensed and trained to identify what you need and how to apply it.

Here are some types of insurance you can get advice on, just by going through a trusted, accredited agency:

At The Catawba River Insurance Group, we are equipped to assist you with all of your insurance needs. Give us a call today to learn more about our services!

The post Four Policies You Can Get at an Insurance Agency first appeared on The Catawba River Insurance Group .

Four Things to Know About Auto Insurance

Fri, 25 Nov 2022 15:00:00 GMT

If you drive a vehicle, you know that auto insurance is a must. How do you know which insurance policy to get for the best coverage for your vehicles? Here are a few quick things to know about auto insurance to help you make the best decision.

At The Catawba River Insurance Group, we are equipped to compare many different carrier options to help you find the best policy for your driving needs. Reach out to us today to discuss your insurance requirements!

The post Four Things to Know About Auto Insurance first appeared on The Catawba River Insurance Group .

What Does It Mean to Have Affordable Insurance?

Tue, 25 Oct 2022 14:00:00 GMT

When you think of “ affordable insurance ,” you may think that this is an oxymoron. Insurance prices never seem to be the same when comparing policies, and many policies are confusing to read anyway. If you’ve been looking for insurance and want to make sure it’s something you can afford and gives you the best coverage, there are a few things to know before you dive into a specific plan or policy.

As you can see, affordable insurance requires looking at several different details to ensure you get a plan that truly works for you. At The Catawba River Insurance Group, we can help you find the affordable insurance plan that makes sense for your needs and your budget. Call us today to get started!

The post What Does It Mean to Have Affordable Insurance? first appeared on The Catawba River Insurance Group .

3 Tips for Finding Affordable Insurance

Mon, 26 Sep 2022 14:00:00 GMT

You need insurance to protect you from risk and help you avoid financial devastation in the event of a serious event. Not only do you need insurance, but you need it to be affordable. If you’re on the hunt for affordable insurance , we have a few tips to help you find what you’re looking for.

1. Understand how each policy works —When you shop for affordable insurance, it’s helpful to understand how the policy you’re shopping for works. For example, if you’re looking for car insurance, you should understand basic liability limits, what collision vs. comprehensive insurance is, factors that affect your rates, etc.

2. Compare individual policies —If you’re looking at home insurance, for example, compare individual policies from different providers. Look at how much the deductible is for each, what your premiums will be, and what is covered under each policy. Figure out how much coverage you can obtain based on what you will pay.

3. Work with an insurance agency —Trying to find affordable insurance on your own can feel a little bit daunting. But at The Catawba River Insurance Group, we can help you every step of the way. We are here to get to know your insurance needs better, recommend policies, and help you compare rates, so you get the best deal possible on insurance.

Are you ready to start shopping for affordable insurance? Make an appointment with our insurance agency today.

The post 3 Tips for Finding Affordable Insurance first appeared on The Catawba River Insurance Group .

When is it the Right Time to Get Life Insurance? [infographic]

Thu, 25 Aug 2022 14:00:00 GMT

If you don’t currently have life insurance, you may wonder if you need this type of insurance. At The Catawba River Insurance Group, we recommend talking to us about getting life insurance after experiencing any of the following life situations:

• After you get married —Most couples make financial decisions based on multiple incomes after getting married. If something happens and your spouse passes away, having a life insurance policy can protect you from financial devastation.

• After you have your first child —Raising a child and setting them up for the future is extremely expensive. If you are a parent, life insurance can make sure your child is financially provided for in the event of your death.
• When you buy a home —You may want to purchase a life insurance policy after you buy a house. Term life insurance, for example, could provide you with funds to repay your mortgage.
• When you start a business with others —When you start a business with two or more partners, you must decide what will happen to the business if one of the partners dies. In many cases, it makes sense for the surviving partners to purchase the interest of the deceased partner. This way, the surviving partners can keep running the business and the family of the deceased can receive financial support.

We can help you decide between a term and whole life insurance policy, as well as help you find the right policy for your situation. Contact us today to make an appointment with our insurance agency.

The post When is it the Right Time to Get Life Insurance? [infographic] first appeared on The Catawba River Insurance Group .

What is Workers’ Compensation Insurance?

Mon, 25 Jul 2022 14:00:00 GMT

As a business owner, you want to make sure your employees have a safe place to work free from serious hazards. Even if you make safety a priority, however, accidents will still happen. And when they do, you don’t want to be held liable for your employees’ medical expenses and lost wages.

Workers’ compensation provides an injured employee with medical and wage loss benefits if they get into an accident at work. As the employer, you pay a premium to your workers’ compensation insurance provider every month. And if an employee ever needs to file a claim, they do so through this no-fault system.

Workers’ compensation insurance is not optional – almost all businesses in North Carolina with 3 or more employees need it to legally run a business. We are happy to answer any questions you have if you aren’t sure whether this insurance is required for your company. But, as with any insurance policy, having this type of insurance can provide peace of mind while reducing liability and protecting your business.

How much you pay for workers’ compensation insurance will depend on similar businesses in the same state that exhibit similar workplace injury costs and patterns. Your rate is determined by the last few years of loss costs businesses within your same industry incurred.

We want to make sure you get the best deal on workers’ compensation insurance while still adequately protecting your business’ operations and your most valuable asset – your employees. For more information about what this type of insurance does and why it is so important, get in touch with us today.

The post What is Workers’ Compensation Insurance? first appeared on The Catawba River Insurance Group .

Auto Insurance 101: Comprehensive vs. Collision Insurance [infographic]

Fri, 24 Jun 2022 14:00:00 GMT

The purpose of auto insurance is to protect you financially when your car gets damaged in an accident or in another situation. When you’re shopping for a new policy, you’ll need to decide between comprehensive and collision insurance. The type you go with impacts how much coverage you have and how much you’ll pay in premiums, so make this choice carefully when shopping for policies.

• Comprehensive Auto Insurance . Think of comprehensive insurance as a type of insurance that covers almost everything. For example, if someone breaks into your car, hail damages your roof, or something else happens to your car not related to a collision, your policy will likely cover it. If you get into an accident, comprehensive auto insurance will also cover the expenses associated with the collision.

• Collision Auto Insurance . If you go with a collision insurance policy, you’ll only be covered for events that happen when your car is involved in a crash with another car. Depending on your policy, this may include a full replacement of your covered vehicle or repairs up to a certain amount.

Some of the factors you should consider when choosing between comprehensive and collision auto insurance include the value of the car you’re insuring, your risk of an accident (commuters are typically at a higher risk of an accident simply due to sheer miles driven), and your current savings. We’d be happy to talk to you more about the difference between these two types of auto insurance, as well as help you make a decision, so contact our insurance agency today.

The post Auto Insurance 101: Comprehensive vs. Collision Insurance [infographic] first appeared on The Catawba River Insurance Group .

When Should You File a Home Insurance Claim?

Fri, 27 May 2022 14:00:00 GMT

Home insurance is designed to offset the expense of making repairs to your home after damage occurs. But it’s hard to know when you should submit a claim or pay for the repairs yourself.

For most home insurance policies, you must pay a deductible on your policy before your benefits can kick in. If it will cost more to repair the damage done to your home than paying your deductible, it may be a good idea to file a claim. For example, if a storm blows through your area and you need to do major roof repairs, filing a claim may make the most financial sense for getting the repairs done. At the same time, if the repairs will only cost slightly more than your deductible, or less than your deductible, it’s probably better to pay for the repairs yourself.

Another factor you need to take into account is whether your home insurance policy will cover the damage. Most policies are meant to cover unexpected, significant losses, not everyday maintenance or general repair costs. For instance, if a fire damages your house or a broken washer causes significant water damage, these are the types of situations that warrant filing a claim.

Of course, if you ever have any questions about whether something is covered under your existing policy, or if it makes sense to file a claim, our team is always happy to help. Contact us at The Catawba River Insurance Group any time you have questions about home insurance.

The post When Should You File a Home Insurance Claim? first appeared on The Catawba River Insurance Group .

Our New Website is Live!

Tue, 03 May 2022 14:00:00 GMT

We’ve been working on a new site for the last month, and we’re pleased to say it’s finally live!

The post Our New Website is Live! first appeared on The Catawba River Insurance Group .