charlotte home replacement costs

How Much Homeowners Insurance Do You Need In Charlotte?

Are you confused about the amount of Homeowners Insurance you should have? We get this question a lot and it can be confusing.

Well, you are not alone. Most people have no clue of how much coverage they need or what coverage it would take to replace your home if something happened.

We’ve been in business a long time and we all own homes ourselves so there are a few hard rules that we follow to make sure we protect our homes and the contents inside.

There isn’t one formula that everyone can fit into when it comes to coverage needed. It all depends on the house: the size, location, new or old, frame or brick etc.

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As you can see there are so many factors that go into how much homeowners insurance you should have.

The one thing you want to make sure that you have on your policy is Replacement Cost. If you can answer this question, you are almost there. We can certainly help because a lot of people may not know the value of their home in todays changing real estate market.

Replacement cost is just what it sounds like: it is the actual cost to replace an item or structure at its pre-loss condition.

Give us a call at 704-821-4460 and we will be happy to review your current policy or offer you a free homeowners quote if you are shopping insurance rates.

Just remember, you are not alone in this journey. Let us take the confusion away and save you money on your homeowners policy.

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