Home Insurance in North Carolina
For North Carolina homeowners, home insurance is an important investment to make. Tarheel Insurance Group in Wilmington, NC wants to be your partner in making this vital decision about the type and amount of coverage you need to protect your financial interests should a covered event occur.
What are Covered Events?
Different policies cover different types of events. For the most part, things like lightning, fire, vandalism, and theft are considered covered events. Some policies may also provide home insurance coverage for hail and wind damage to the home, though some policies may require specific protection for these occurrences. That is why working with an insurance agent who understands the local laws and common hazards you may face as a homeowner.
Home insurance generally includes some amount of general liability protection for homeowners. This means if someone is injured while visiting, or damage occurs to someone else’s property because of something originating on your property, you will have some degree of assistance with legal expenses, settlements, or judgments against you.
Why Do Homeowners Need Home Insurance?
Your home is a major investment. It is a place of security for you and your family. You want to protect that investment, first and foremost, with sufficient insurance protection to repair your home or replace it in the event of a total loss from a covered event.
If you have a mortgage on your home, your mortgage lender requires you to maintain insurance on your home to protect their financial interests until your home is paid for.
Home insurance does more than protect the structure of your home, though. It offers protection for your personal property inside the home as well as general liability protection.
Home insurance is necessary for all North Carolina families. That is why Tarheel Insurance Group in Wilmington, NC is here to help you get the right coverage for your unique needs.