Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Becoming a homeowner can be exciting, but it may also be one of the most significant financial investments you ever make. Responsible homeownership means accounting for many risks and exposures that could lead to costly financial losses. Even if you are diligent in maintaining your home’s condition and suppressing potential incidents, circumstances beyond your control may eventually require the assistance of homeowners insurance.
What Is Home Insurance?
Home insurance, typically called homeowners insurance, can provide financial security for you and your property. This insurance is customizable and may offer coverage options that can protect your property from common incidents, such as the following:
- Fires
- Lightning
- Explosions
- Theft
- Vandalism
- Damage caused by windstorms
It’s important to note that a standard homeowners insurance policy does not cover everything. For instance, flood-related damages are usually excluded. However, you may add coverage to your policy to help cover unique risks, such as flood insurance. Speak with your agent to discuss options that may benefit your circumstances and offer greater home protection.
What Does Homeowners Insurance Cover?
Although home insurance can often be customized to suit your needs, preferences and budget, a standard policy usually includes coverage for the following:
- Dwelling coverage—If a covered incident damages your home, this part of your home insurance may help absorb financial losses.
- Other structures—This coverage may provide financial protection for detached garages, sheds, gazebos and other structures on your property.
- Contents—Also called personal property coverage, this component of your policy may help pay for lost, damaged or stolen possessions, such as furniture, clothing and electronics.
- Personal liability—If you or another insured are responsible for third-party losses, such as a neighbor’s property damage or a passerby’s injuries, this coverage may render financial aid.
- Temporary living expenses—This coverage may provide financial assistance for hotel accommodations, restaurant meals and other costs if you must temporarily vacate your home.
We’re Here to Help
With over 20 years of experience serving the New Bern, Jacksonville and Havelock areas, the agents at Cowey Insurance Group are well-equipped to help you assess and address your home’s coverage needs. Contact us today to get started.
Additional Resources:
Do I Need Builders Risk Insurance on a DIY Project?
Excess Flood Coverage for Homeowners
What does a Home Insurance Claims Adjuster Do?
Additional Resources:
Do I Need Builders Risk Insurance on a DIY Project?
Excess Flood Coverage for Homeowners
What does a Home Insurance Claims Adjuster Do?
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