Home Insurance


HOme Insurance
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The 411 about Home Insurance!

Home owners insurance can be confusing.  Make sure you know the facts and make sure you have enough coverage.  Don’t get left holding the bill.

What does Home Insurance Cover?

Home Insurance can cover a variety of problems.  What it covers depends on how much insurance you purchase.  The general rule of thumb is to make sure that 80% of the value of the home is insured.    The basics cover fire, water, theft, wind, hail.  You can upgrade your policy to include vandalism, airplane, riot, vehicles, explosions and smoke.  You can also purchase coverage that include Exterior buildings.

Types of Home Insurance

  • HO3 – Standard Home Owners Insurance
  • HO4 – Renters Insurance
  • HO6 – Condo Insurance
  • HO8 – Older Homes

Make sure you know what you need.  Buying a home will be the largest purchase of your life.  If something happens, make sure that you don’t make the situation worse by not being covered.  Get the right amount of insurance for your needs.

For all the 411 on Home Insurance, check out this great guide at the NCDOI.