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Life insurance FAQs

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Life insurance is a very personal type of insurance. It is something you do for yourself but for those you love. At Steiner Insurance Group in Nashville, NC, we are here to ensure that you get the right amount of coverage and life insurance. 

When should I review my life insurance?

Your life will change over the years, and when there are significant changes, you need to look at the life insurance coverage you have to ensure it is adequate for this time in your life. Things like marriage, children, and employment change your insurance needs. 

Do I need life insurance beyond what I get at work?

Having your own life insurance over which you have total control is always a good idea. Employment can change, and that affects your coverage. 

Who can I have as a beneficiary?

The choice of beneficiary is up to you. You can choose one or more people, keeping in mind that children may not be able to benefit until they come of age. 

Do I need to get a physical to buy life insurance?

No, but the truth is that you will have fewer choices, and the premiums will be higher if you choose to get a life insurance policy without getting a physical. 

When is the best time to buy life insurance?

Life insurance is at its most affordable and accessible to purchase when you are young and healthy. Of course, that is usually when you feel you have the least need for it. Still, this is an excellent time to dip your toes into the water and at least get a small whole insurance policy. 

In Nashville, NC, our team at Steiner Insurance Group can help with any life insurance questions you may have. As independent insurance agents, we can offer you various life insurance options. 

Is Your Car a Classic?

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You have a budding car collection but aren’t sure if your vehicles qualify for classic car insurance. That’s an understandable situation that our team at Steiner Insurance Group can help you understand. We can help Nashville, NC residents know whether their cars are genuinely classic or not.

Traits of a Classic Car

A classic car is any vehicle at least 25 years old, adequately maintained, and in great running condition. It may also refer to vehicles with a specific design, such as sports or muscle cars, that produce a unique and appealing look. Often, classic cars are no longer produced. 

That rarity makes classic cars more valuable, and their insurance focuses on their unique status. It includes things like damage protection, delivery costs (if you take your vehicle to car shows), and even replacement protection that covers the vehicle’s actual cost to keep your investment safe.

Elements of an Antique Vehicle 

You might hear the terms “classic” and “antique” used pretty interchangeably. However, they’re not quite the same thing in the car world. As we mentioned previously, a classic car is at least 25 years old and might be in excellent condition or even run regularly by its owners.

By contrast, antique vehicles are older than 45 years old and probably rarely, if ever, get run. That means they require a slightly different kind of insurance suited to their specific needs. Make sure you talk with your insurance provider to learn which option is right for you.

We Can Help You

At Steiner Insurance Group, our team of professionals can help Nashville, NC, car collectors find policies that work for them. Classic car insurance is an important step that can keep your vehicle protected and minimize potential damage, ensuring it stays safe for years.

Three rules to follow when you buy RV insurance in North Carolina

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Insuring your RV in Nashville, NC is essential. Steiner Insurance Group offers RV insurance coverage that can protect you financially when you’re on the road.

Consumers should follow a few important rules when they buy RV insurance in North Carolina. Here are three important RV insurance rules to follow. 

Be aware of which safety features your RV has

You’ll want to ensure your insurance provider knows about any safety features your RV has. A safer RV is normally more accessible and less expensive to insure. That’s why you should be aware of all of your RV’s safety features when you’re on the market for insurance. 

Know what exclusions apply to your RV insurance policy

A standard RV insurance policy won’t cover you in all situations. You need to realize that you might not be covered for flood damage or theft damage depending on the details of your policy.

Knowing about any exclusions that apply to your policy helps save you from unpleasant surprises when you have to file claims. 

Speak with an agent before buying RV insurance from an insurance provider

Buying RV insurance from an insurance provider before you’ve spoken with an agent in person or over the phone is not typically a good idea. Speaking with an agent allows you to evaluate the customer service that an insurance provider provides before you commit to a policy from that provider. 

Contact us at Steiner Insurance Group to request an RV insurance policy quote. We can help ensure that your RV in Nashville, NC is adequately covered so you can enjoy peace of mind on the road. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

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Many motorcyclists enjoy driving the streets and highways of North Carolina. As a result, North Carolina has laws that dictate the legal requirements for motorcyclists and drivers. Both drivers and motorcyclists are required to carry insurance. The Steiner Insurance Group of Nashville, NC is committed to helping motorcyclists understand the laws and get the necessary coverage. An insurance agent can help motorcyclists understand their coverage options.

Is Motorcycle Insurance Required in North Carolina?

Yes. Both drivers and motorcyclists are legally required to carry motorcycle liability insurance that meets the state minimum requirements. The motorcycle laws apply to all motorcycles and motor scooters. Liability coverage should include $30,000 in bodily injury coverage and $60,000 in bodily injury coverage per accident. Motorcyclists are also required to carry $25,000 in property damage coverage. Although motorcyclists are only legally required to carry liability insurance, more insurance could be required in some situations. If you lease your motorcycle or have a motorcycle loan, the lender usually requires full coverage insurance. 

Will motorcycle insurance pay for the damage I caused to my neighbor’s mailbox?

Yes. Typically, property damage is covered by liability insurance. Property damage coverage will also pay for the clean-up/removal of debris from an accident or situation. North Carolina laws require all motorcyclists to carry liability insurance. Liability insurance includes property damage coverage. If you damage your neighbor’s mailbox, your property damage coverage will pay for the repair or replacement of your neighbor’s mailbox. You/your neighbor can file a claim with your insurance company that covers the repair or replacement of the mailbox. If you have questions about motorcycle insurance and the coverage it provides, call us. We’d be happy to help you explore all of your options. 

Liability Coverage Beyond Home and Auto: Unpacking Umbrella Insurance

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Home and auto insurance are essential components of financial protection for many individuals and families in the Nashville, NC area. However, there are situations where the liability coverage provided by these standard policies may not be enough. That’s when you need supplemental help from your insurance provider.  

Why Umbrella Insurance Is Valuable 

The reasons are as follows:

  1. Increased Liability Limits: Umbrella insurance significantly boosts your liability coverage. If a claim or lawsuit exceeds the limits of your primary policies, your umbrella policy steps in to cover the excess amount, protecting your assets.
  2. Broader Coverage: Umbrella insurance covers many liability situations that may not be included in your home or auto insurance policies. This includes incidents like slander, libel, false arrest, and more.
  3. Peace of Mind: Knowing that you have an additional layer of protection provides peace of mind. You won’t have to worry as much about a lawsuit or claim depleting your savings or assets.

What Umbrella Insurance Covers

Umbrella insurance provides coverage for various liability situations that pop up unexpectedly, including:

  • Auto Accidents: If you are involved in a severe accident where the damages and injuries exceed your auto insurance limits, your umbrella policy can cover the excess.
  • Home Incidents: If someone is injured on your property and their medical bills exceed your home insurance limits, umbrella insurance can provide additional coverage.
  • Legal Fees: Umbrella insurance covers legal expenses, such as attorney fees and court costs, which quickly add up in the event of a lawsuit.
  • Personal Liability: It protects you from personal liability claims, including those related to defamation, invasion of privacy, or false arrest.

Steiner Insurance Group Can Help You

At Steiner Insurance Group, we can help answer questions concerning umbrella insurance. We serve the Nashville, NC area. Contact us today. 

How Whole Life Insurance Works

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When you have family members who depend on you, it’s important to be able to leave something behind for them. A life insurance policy can save your family from falling into financial trouble after you’re gone. When you need life insurance, there are two main types that you can choose from. One of these is term life insurance. The other is whole life. Whole life is a highly popular type of life insurance that comes with a lot of benefits. When shopping for life insurance, call us at Steiner Insurance Group in Nashville, NC. 

Continuous Life Insurance

If you were to get term life insurance, it would be suitable for its specific term and then expire. You would then have to get a new policy. The same is not true for whole life insurance. With this type, it stays good for the rest of your life. Even if you reach an advanced age, the policy will remain in place if you keep making the premium payments. Whole life gives people great peace of mind for this reason. It’s a convenient way to keep a policy and never have to buy another policy. 

Cash Value

Another important benefit that can bring peace of mind is the cash value that the policy accrues over time. Over the years, the policy will build up this value. This amount can be borrowed against any time you need it. This lets you know that you can access that money if you have a financial emergency. This can be a helpful way to protect your finances. 

Get Life Insurance

If you’re interested in whole life insurance, we can help. To learn more about these policies and get started, call us at Steiner Insurance Group in Nashville, NC.

What You Need to Know About Basic Auto Insurance Coverage

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If you’re looking for auto insurance in the Nashville, NC area, Steiner Insurance Group can help you find the right coverage to meet your needs. For many people, basic coverage is all they want, but it’s important that you understand what that covers. You might want to add more options for your vehicle, and if it’s financed, your lienholder will generally require you to have more than just the basics. 

Make some Considerations

First, basic coverage is typically state minimum coverage and involves liability protection and protection for personal injury. If you’re injured in an accident or your property is damaged, this coverage will be what you’ll use when you make a claim. However, that doesn’t provide you with protection to repair your vehicle or to cover it if it’s stolen, among other concerns. That’s why you may want more than just the basics, including comprehensive and collision, on your auto policy.

Rather than choose the basic level of coverage, it’s a good idea to work with a trusted, professional agent to get the kind of coverage you actually need for your vehicle. That can give you more protection and provide you with additional peace of mind. You don’t have to settle for less than you want or deserve when it comes to taking good care of your vehicle for the long term.

When you’re in or around the Nashville, NC area and looking for auto insurance information and coverage options, contact us at Steiner Insurance Group. We’re here to help you get the proper coverage limits and a policy that gives you all the protection you want. We’ll happily answer your questions so that you can feel confident in your chosen policy.

Workers Compensation Insurance Protects Your Employees and Your Business

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Steiner Insurance Group Offers Worker’s Compensation Insurance For North Carolina Businesses

Most businesses employ individuals to do a variety of work-related tasks. In some cases, employees may be exposed to the risk of injury that can affect their health or their ability to work. Workers’ compensation insurance is designed to provide funds when employees are injured and need medical attention and when they cannot work due to an injury. At Steiner Insurance Group, serving Nashville, NC, we help businesses get workers’ compensation insurance to protect their workers and their profits.

Understanding Your Worker’s Compensation Insurance

An accident or on-the-job work injury can happen at any time, and these incidents can require medical treatment and loss of wages. Employers are responsible for the safety of workers and could be liable for the costs of an injury to an employee. Workers’ compensation insurance provides funds to pay the expenses of medical treatment for an injury and also provides compensation for lost wages while the employee recovers.

Workers’ Compensation Insurance Is Important To Your Company’s Stability

Workers’ compensation insurance defrays the cost of medical treatment for workers injured while on the job. Each state has different rules regarding when workers’ compensation insurance is mandatory, what types of injuries it covers, and how much is paid out for an injury. Without worker’s compensation insurance coverage, your company would have to pay for these expenses, which could negatively impact your bottom line or even cause you to go out of business. In this way, workers’ compensation insurance helps to stabilize your business expenses and liabilities when unexpected events occur.

Make Steiner Insurance Group Your Choice For Workers Compensation Insurance

The details of workers’ compensation insurance can be complex, and our insurance professionals have the knowledge and experience to provide you with the answers you need. Contact Steiner Insurance Group serving Nashville, NC today for a no-obligation worker compensation insurance quote to protect your business.

How insuring your classic car is different

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In North Carolina, a classic car is a car that is between 20 and 40 years old, and there must be something distinctive that makes it a classic – instead of just old. Steiner Insurance Group in Nashville, NC can explain the differences in coverage for standard automobiles and classic cars.

How is classic car insurance different?

Insurance for your classic car is different than the policy you would get for a relatively new vehicle you drive daily. A classic car may not be your regular daily driver if you want to get a special classic car policy. One of the qualifications for this kind of insurance is that you have another vehicle you drive daily.

Limits on a classic car policy

There are limits on how many miles a classic car can be driven. It can, for instance, be driven in a parade, to local car shows, and even for some occasional pleasure cruising. There is usually a yearly limit. You can drive it all you want, but you will have to get a standard policy at some point.

How the insurance works

Whether a car is a classic is determined mainly by age, but there must also be other significant reasons that it is not just an old car. The value of regular cars is fairly straightforward, but not so with the classic car. When insuring a classic car, the value to the owner is part of the equation, and to some extent, that is negotiated when writing the policy.

The major difference

The value of a classic car is determined before the policy is written. The value of a regular vehicle is determined when an accident happens.

Call the Steiner Insurance Group in Nashville, NC for more information about insuring your classic car.

RV vs Car Insurance

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Why is RV insurance so different from car insurance? They’re both private passenger vehicles. They’re both for use on ordinary roads instead of "off-roading." Why can’t an RV be insured like a car? Steiner Insurance Group of Nashville, NC explains.

Why RVs Are In A Class Of Their Own

RVs are classed in the "motor homes and travel trailers" class of vehicles. As such, they comprise both auto and home. When the vehicle is being driven somewhere, auto insurance covers any mishaps. When it’s parked and used as a home, home insurance covers fire, theft, plumbing, or electrical problems.

What About When An RV Is Parked?

Most people would consider a "parked" RV a vehicle on their Nashville, NC property. Others think it pertains to parking in camper or RV parks. Anyone else would consider an RV parked in a summer-long RV park "parked." All those things are so, and they each have special insurance, believe it or not.

Home RV Parking

Whether your RV is in a garage for the out-of-season or parked outside your home, your RV is covered in case anyone should damage it. This liability insurance even covers your RV when it’s parked on vacation.

Some carriers will insure an RV being used as a permanent home as they would a mobile home because it doesn’t move. "Parked" models are usually found in specialty RV home parks and used for vacations and permanent living.

Vacation Liability Insurance

This protects your RV if someone gets hurt or your RV is damaged while you’re on vacation.

Off-Season Only Insurance

Did you know Steiner Insurance Group in Nashville, NC would insure your RV only in the off-season? It takes care of theft, vandalism, and any injury.

Partner Carriers

  • american-modern
  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers