How Do I Know What Is Covered On My Homeowner’s Insurance?

Matthews, North Carolina is just outside of Charlotte. Being so close to the metropolitan city, there are plenty of things to do, including going to museums and galleries, various shopping centers, and the NASCAR speedway.

When you look at your homeowners insurance, you want to know what is and is not covered. Your home in the 28105 area may be covered against the basics such as fire and burglary, but beyond that, you may not know.

There are various personal injury claims that could be filed against you as a result of someone injuring your home. Such instances could include:

– A guest falling

– Someone getting a DUI after driving home from your house

– A contractor falling

These scenarios need to be explored when you shop for homeowner’s insurance in Matthews, North Carolina. This way you can ensure you have the proper level of coverage in the event someone files a personal injury claim. With the right coverage, the insurance company pays for the damages instead of it being your financial responsibility.

Your home in 28105 needs to be protected. You don’t have to figure it all out on your own. It’s understandable that you have questions and homeowner’s insurance companies make it confusing on purpose. Our agents can answer questions you have about protecting your home in Matthews. We have the experience to speak honestly about the coverage options in North Carolina and can let you know about the geographic necessities as well, such as flood insurance, wind coverage, and more.

Call and talk to one of our agents today. We can talk to you about what is covered on your policy and help you to find the coverage you need. We can get you quotes to make the comparison process easier as well.

Does My Homeowner’s Insurance In North Carolina Cover Foundation Problems?

North Carolina has a lot to offer its residents. There are several metropolitan cities within this southeastern state that feature high-end restaurants, shopping centers, museums, and art galleries. There are some gorgeous Atlantic beaches and there is also the Great Smoky Mountains.

When you search for homeowners insurance, you want to make sure it is going to protect against anything and everything – including a sinking foundation. Not all policies are the same and you have to read the fine print. Otherwise, a claim could be denied and the repairs would be your responsibility.

A home inspection is likely going to be required when you buy homeowner’s insurance to ensure there are no foundation problems to begin with. If you already have a porch, it will be included. Otherwise, you would have to call and add the presence of a porch once it was added. The reason is because the insurance company would have to adjust what you do and don’t have.

If you were to file a claim on insurance for a sinking foundation and you had failed to disclose the fact that you have a porch, the foundation repairs may be covered, but the porch would be excluded because it wasn’t included within your policy.

You want the best for your home in North Carolina and therefore you have to be mindful of what your homeowner’s insurance does and doesn’t include. Our agents can work with you to find a coverage that includes anything and everything you want it to include. This goes for damages against fire, break-ins, storms, flooding, and much more.

Don’t try and buy home insurance without some kind of assistance. We have professional agents who can talk to you about the requirements in North Carolina and ensure you have a high level of protection on your home.