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Home Insurance

Home Insurance - North Carolina
Home Insurance - North Carolina SC

Protect Your Home with the right Homeowners Coverage

Home insurance protects against disasters and unforeseen events. A standard insurance policy insures the structure and the property you care for. Homeowners insurance is purchased as a package insurance plan. Your loan or financial institution will require insurance coverage.

Home Insurance may provide coverage for many situations including:

  • Damage or replacement due to fire or natural disasters
  • Windstorm or hail
  • Water Damage (pipes, leaky roofs, floods)
  • Fire and smoke
  • Liability protection from suits due to injury to a guest in your home
  • Reimbursement for losses or repairs due to theft or vandalism

Start Saving on your Home Insurance

Speak with one of our agents to explore how you can save on your homeowners insurance. They can provide personalized advice and identify potential discounts to help you maximize your savings.

Home Insurance Discounts that can help you save:

  • Bundled (combined) Home and Car Insurance
  • Bundled (combined) Renters and Car Insurance
  • Safety devices and Alarm Systems
  • New Purchase or New home construction
  • Loyalty discounts
Homeowners Insurance - North Carolina SC
Homeowners Insurance - North Carolina SC

Homeowners protection from disasters and unforeseen events

Homeowners Insurance addresses damage to you and your home and liability concerns for injuries and property damage you or people in your household cause to visitors. Damage due to natural disasters may be covered, but there are exceptions. The most noteworthy would be damages brought on by floods and earthquakes. Individual coverages for flood & earthquake insurance may be added.

Whether you’re looking for home insurance in North Carolina, or the greater North Carolina County area, we can help you find affordable coverage.

North Carolina Guide to Homeowners Insurance

Understanding Home Insurance Policies in North Carolina

In North Carolina, homeowners have several types of insurance policies to choose from, each tailored to meet different needs and coverage levels. The most common types include HO-2 (Broad Form), HO-3 (Special Form), and HO-5 (Comprehensive Form). The HO-2 policy provides coverage for specific perils listed in the policy, such as fire, theft, and certain types of water damage.

The HO-3 policy is the most popular, offering broader coverage for the home itself and personal belongings against all perils except those explicitly excluded. The HO-5 policy offers the most extensive coverage, protecting against almost all perils for both the structure and personal property, with higher limits and fewer exclusions.

Ways to save on your Homeowners Insurance

Frequently Asked Questions

Multi-policy discounts allow you to save when you bundle home and auto policies.

You may receive a discount If you insurance more than one home with the same insurance carrier.

Receive a discount on newly constructed home or on a newly constructed homes or if you're a new homebuyer.

Discounts may be available for home with security systems, smoke detectors, fire extinguishers, water shut-off devices, and exterior door deadbolts.

Home Insurance Discounts - North Carolina