Homeowners Insurance
Your home is one of the most expensive assets you own. Homeowners insurance is crucial for protecting yourself financially in the event that something unexpected happens to your home or possessions.
Consider these scenarios:
You can add supplemental policies:
The amount you pay for your homeowners insurance can depend on many factors:
Each homeowner has different needs and your home insurance policy should reflect that. I want to tailor your coverage to your specific needs.
See the file below to assist in creating a home inventory of your possessions.
Your home is one of the most expensive assets you own. Homeowners insurance is crucial for protecting yourself financially in the event that something unexpected happens to your home or possessions.
Consider these scenarios:
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If you are a victim of theft and vandalism, insurance can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
- A North Carolina homeowner’s insurance policy typically covers the following:
- Your dwelling
- Replacement costs
- Personal property (up to a specified limit)
- Additional living expenses in case of a disaster
- Liability
You can add supplemental policies:
- Scheduled personal property/floater (i.e. high-value jewelry, antiques, fine art)
- Identity theft coverage (can be as low as $40/year)
- Flood policy
- Umbrella policy (to extend liability coverage)
The amount you pay for your homeowners insurance can depend on many factors:
- Package your policies. Insuring both your auto and home with the same carrier can often qualify you for a discount on both policies.
- Proximity to fire stations or installation of burglar/fire alarms can reduce your insurance costs
- Claims-free
- Age of construction
Each homeowner has different needs and your home insurance policy should reflect that. I want to tailor your coverage to your specific needs.
See the file below to assist in creating a home inventory of your possessions.
| home_inventory_spreadsheet.xlsx |
