North Carolina is prone to several natural disasters ranging from tornadoes to hurricanes, lightning strikes, and ice storms. With home insurance, you can enjoy your North Carolina home to the full without worrying about damage or loss due to a disaster. Here’s how a home insurance policy from Allen Insurance Agency in North Carolina can work for you.
Home Insurance Coverage
Home insurance covers your dwelling, possessions, additional living expenses, and liability claims that may arise due to accidents on your property.
- Dwelling insurance covers damage to your home structure in a covered peril. This includes the foundation, walls, doors, windows, flooring, cabinets, and more. By assessing the value of your home, you’ll have a better idea of the amount of coverage to obtain. If possible, you should obtain sufficient coverage to rebuild your home if it’s destroyed in a disaster.
- Property insurance protects your possessions if they’re damaged or destroyed by fire, tornadoes, or other disasters. If you own expensive items, consider getting replacement cost coverage to ensure you’re compensated for the full value of your belongings, minus your deductible. We’ll help you determine adequate coverage to protect your valuables.
- Liability insurance protects you against liability claims or lawsuits that may arise due to accidents on your property. If a guest gets hurt in an accident while attending one of your dinner parties, they could sue you for damages. Liability covers these damages to protect your personal finances.
- Additional living expenses insurance covers the cost of you living outside your home while it’s being repaired after a major disaster. This coverage generally includes hotel bills, food, fuel costs, etc.
Who Needs Home Insurance?
If you own a home in North Carolina, you need home insurance coverage, even if you don’t have a mortgage. Home insurance provides you with the financial resources you need to recover from a major disaster.
Call or visit Allen Insurance Agency today for all your home insurance needs.