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Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Trent & Associates, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Trent & Associates who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Trent & Associates before making a decision.

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Liability Coverage

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with Trent & Associates today for more information about what Liability Coverage can do for you.

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Small Business Retirement Plans in Brevard NC & Bryson City NC

Smart Decisions for a Happy Retirement

Trent & Associates provides retirement plans to small businesses in Brevard, Bryson City, Newland, Spruce Pine, Burnsville, Asheville, and surrounding areas.

For employees, having the right retirement plan in mind can provide the assurance of knowing that their income can continue to support their family once they retire. As a business, offering these plans to your employees can help ensure financial security and stability among your workforce.

Trent & Associates offers retirement plans with the needs of individuals and employees in mind, with tax-deductible contributions that keep your business needs in mind. We offer quality plans with benefits that create sound financial futures, such as:

  • 401K Plans
  • IRAs
  • Pension Plans
  • Annuities

Contact Trent & Associates today to learn more about the benefits and advantages you can receive by offering a retirement plan that’s right for you and your employees.

*Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

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Leave Management

Manage, Track, and Report Leaves and Absences of your Employees

Trent & Associates provides leave management to businesses in Brevard, Bryson City, Newland, Spruce Pine, Burnsville, Asheville, and surrounding areas.

Employers must monitor their employees’ absences. Leave management services will help track, report, and reduce expenses that arise due to employee absences. Everything from sick leave and vacation, to paid time off and military leave may be covered under a leave management policy. Read more

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Accounting Firm Insurance

Insurance Options Catered to your Business

Trent & Associates provides insurance to Accounting Firms in Brevard, Bryson City, Newland, Spruce Pine, Burnsville, Asheville, and surrounding areas.

At Trent & Associates, we offer coverage options for accounting firms designed to cater to specific needs within your industry. To go along with the core coverage options we offer, we will work with you to create a protection plan that is unique to your business. Avoid potential financial problems that may arise if you find yourself in a situation where your business is not properly covered. Read more

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Boat Insurance

Cast Your Worries Aside

For most people, owning a boat can be a dream come true. Whether you are out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy from Trent & Associates, you can relax and enjoy your time away knowing that you are properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles: Read more

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Individual & Family Health Insurance

Smart Decisions Today for a Healthy Tomorrow

As an individual, you are most likely responsible not only for yourself, but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you will want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you cannot afford to take any chances. At Trent & Associates, we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student. Our various types of Individual and Family Health Insurance options include: Read more

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Individual Life Insurance in Brevard NC & Bryson City NC

Reassurance for you and your Loved Ones.

Trent & Associates provides life insurance to individuals in Brevard, Bryson City, Newland, Spruce Pine, Burnsville, Asheville, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Trent & Associates, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. Read more

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Crop Insurance

Keep Your Farm Afloat in Times of Trouble.

The farming and agricultural industry often involves risk and uncertainty. From unexpected natural disasters to major economic changes in the marketplace, many situations can affect the productivity of your agribusiness.

At Trent & Associates, we know that the success of your farm directly impacts the livelihood of you and your family. With the right Crop Insurance coverage, you can protect your business and keep your farm afloat through all of the difficult times.

Trent & Associates offers two basic types of Crop Insurance for your farm or ranch:

  • Crop-yield insurance covers excess losses to your crops due to natural disasters such as drought or flood as well as other perils like insects or disease.
  • Crop-revenue insurance covers negative changes in the price of a crop that occurs during the crop’s growing season.

You’ve poured years of hard labor and honest work into your agribusiness, and when times are tough, you’ll need an agency you can depend on. Talk to a specialist at Trent & Associates to learn more about how Crop Insurance can help ensure the continued service of your farm for years to come.

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Identity Theft

Get Back to Being Yourself

Identity Theft has become the fastest growing white-collar crime in America. All it takes is your name, social security number, and date of birth, and a thief can apply for everything from a credit card or a bank loan to even an insurance policy. Having your identity stolen damages your sense of security, but the real hardship may be how difficult, time-consuming, and expensive it can be to restore your credit and get your life back on track.

Identity Theft coverage from Trent & Associates is a simple and affordable way to protect you and your family from this growing threat. By adding ID coverage to your current Homeowners, Condo, or Renters Insurance policy, you will receive invaluable tools to help cover the costs and expenses of restoring your identity.

Included in a policy with Identity Theft protection are expenses associated with:

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