Home · North Carolina
Whether it's a bungalow near Duke or new construction in Apex, the house holds everything else you own. Insure it like that's true.
Four standard coverages, plus the two add-ons every North Carolina homeowner should at least price out.
The structure: roof, walls, foundation, attached garage. Wind, fire, hail, fallen trees. This is the number that has to be right.
StandardFurniture, electronics, clothes, tools. Covered at home and, in most cases, when they leave the house with you.
StandardA guest trips on the porch steps, the dog has a bad day. Liability pays the legal and medical costs when you're responsible.
StandardIf a covered loss puts you out of the house, this pays for somewhere to stay and meals until you're back in.
StandardRings, instruments, cameras, art. Items worth more than standard limits get scheduled separately so their real value is covered.
OptionalNeither one is in a standard home policy, anywhere in the country. In a state that catches hurricane remnants, the flood conversation is worth having. We'll give you a straight answer on whether you need it.
Add-onA few facts that change how people set up their coverage once they hear them.
Fran in 1996 and Florence in 2018 both did serious damage far from the beach. Triangle homeowners carry real wind and water exposure. Deductibles for named storms vary by policy, so read yours. Source: North Carolina Department of Insurance.
FEMA puts the chance of flooding at 25% or better over a 30-year mortgage for homes in high-risk zones. Source: FEMA.
Even outside high-risk zones, FEMA estimates a home is about five times more likely to flood than to burn over 30 years. Source: FEMA.
Flood and earthquake damage are excluded from standard homeowners policies nationwide. Each needs its own coverage. Source: Insurance Information Institute.
Tell us about the home and we'll quote it alongside your auto, because that's where the discount hides.