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If you are purchasing a home for the first time or you aren’t sure what a homeowners policy actually covers click the link below to read an article that we contributed to responding to some common questions about homeowners insurance and what it covers. Also, this website lists properties for sale and has other information you may find useful in a home search.
Homeowners insurance is an essential part of properly protecting your home for the long run. You have many points of coverage that are included in your homeowners policy, which essentially protects you in three ways. The first way it protects you is by providing protection for the building itself against issues such as fires, falling trees, storms, and other natural disasters. The second way is through replacing the contents of your home if they are lost, damaged, or end up being stolen. Finally, homeowners insurance also helps you if you have an accident on your property that you could be held liable for.
There are other parts of homeowners insurance that aren’t automatically covered. If you have particularly pricey assets within your home, it’s worth it to get additional coverage on your items. You may also want to look into comprehensive coverage of your personal property so they are covered no matter how they get damaged.
Flood and earthquake insurance riders cover two natural disasters that are geographically restricted. If you don’t live near a fault line, or on a flood plain, then this is not an aspect of homeowners insurance you have to worry about. Prior to purchasing your home, the property records indicates whether you are located in one of these areas. If you are, you need to add additional insurance to your policy so that you aren’t dealing with damage that isn’t covered by your insurance company.
Need help with putting together the perfect homeowners insurance options for your home and future? Contact our independent agents in NC for a complete run down of the policies available to you, and how much they end up costing each month.