Home Insurance

What does homeowners insurance cover?

Homeowners insurance protects your property - both your home and the things in it - from losses due to fire, wind, theft and a whole lot more. When a loss occurs you will file a claim with your insurance carrier and be paid for the repair or replacement expenses minus your deductible.  Are you confident you're properly covered for damages and total loss?  Would you be required to pay out of pocket for some or all of the repairs?
Homeowners Insurance also covers personal liability exposures and can protect you from situations that could cause you or other family members to be held legally liable.

Customized Insurance for your North Carolina Home

There are several standard parts of homeowner insurance coverage, but there are even more ways to customize home insurance policies to make sure you get the maximum credits and the right insurance coverage for your North Carolina home. We can also customize your home insurance policy for home business occupancies, special collections, important art or jewelry, and more.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings

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