Little House on the Prairie author Laura Ingalls Wilder said that, “Home is the nicest word there is” and we agree. Home ownership is an aspiration for most people, and it’s usually the single greatest financial investment most people will make in their lifetime. You shouldn’t leave the protection of that asset to an online form or a voice on the phone. At Spivey Insurance Group, we help our North Carolina and South Carolina neighbors find the right protection for that investment through homeowners insurance.
In North Carolina, homeowners insurance covers your home and its contents against losses from fires, vandalism, theft, storms, and other perils. It also covers you for personal liability should someone be injured in your home. But no two policies are the same and not all insurance companies are created equal. There are limitations to most standard policies that might not be obvious. You want to feel secure that if a problem should occur, you won’t be taken by surprise.
A standard North Carolina home insurance policy will generally include coverage for:
- The physical dwelling
- Certain detached structures like sheds and garages
- Your personal property
- Liability coverage to defend you against lawsuits
Sometimes a standard policy just isn’t enough
TV commercials can make it seem like buying home insurance is just a simple matter of gathering quotes and going for the lowest price. But there’s a lot more complexity to it than that and you don’t want to risk one of your biggest investments to chance. Spivey insurance take the time to learn about your situation and recommend the policies that suit your unique situation. Sometimes a standard policy is not enough, you can still face some scary exposures.
For example, one important insurance that is rarely ever included in a homeowners policy is flood insurance. Even if you don’t live on the coastline or a high-risk flood zone, a few inches of water from heavy rainfall or storm surges can do significant damage. Learn more about the benefits if flood insurance.
A simple homeowners policy supplemented with flood insurance might be sufficient coverage for a young couple with a moderately-priced starter home, but a person with a high net worth or a high-priced home may need additional coverage for adequate coverage and peace of mind. Umbrella insurance is a good way to get more protection from extra-expensive damages that apply to all your personal lines insurance. You can choose the deductible, and it’s probably cheaper than you might think! Umbrella insurance can help you if someone falls on your property and sues you, if your pet bites someone, or if a tree from your property damages another’s property.
Protection for other residential situations, too
We love doing business in a diverse area, so we don’t just cater to homeowners. Renters who live in an apartment or condo owners need the proper coverage too. If you own or operate a rental property, we have coverage for you as well. We’ll also make sure your coverage works with any applicable laws.
Talk to us!
When it comes to protecting your home, look to a trusted coverage source in your community. We work with 30+ of the nation’s finest insurance companies so can find the right coverage for your unique situation. We invite you to find out why so many of your neighbors are referring us to their friends and colleagues.
If you have questions about our North Carolina homeowners insurance options, feel free to give us a call at 704-821-4460 or stop by our office – we’d love to meet you and talk things over. You can also get a free, no-obligation quote by filling out the form on the page.