6 Parts of Home Insurance You Need to Know About

Did you know that home insurance in North Carolina is a multi-peril policy? This special type of policy can cover you for different events at the same time, such as property damage, medical payments, and more. Our team at JC Demo Insurance Group in Matthews, NC will show you the six types of coverage your home insurance includes below.

A. Dwelling – This covers you for major damage to the house and any structural parts attached to it. The amount is often determined by the home’s market value.

B. Other Structures – Similar to dwelling, this part protects any structures on the property that are separate from the house, such as tool sheds and barns.

C. Personal Property – While A and B protect your home’s exterior, C protects the contents inside that you or your family who reside with you own. It may not cover everything inside though, so you’ll want to purchase additional riders for complete protection.

D. Loss of Use – If the home becomes uninhabitable after a natural disaster, this part of coverage will help you pay for additional meals and lodging expenses.

E. Personal Liability – This section will help pay for any accidental injuries at your home that you or a member of your household may be responsible for.

F. Medical Payments to Others – If any visitors get hurt at your home, this part takes care of paying for some of the medical expenses. 

While this summary gives you the big picture,  there are also many other details in a Matthews, NC home insurance policy. Wondering if your insurance covers a specific scenario? Give us a call! Our team at JC Demo Insurance Group is happy to answer any questions you may have.