Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Your home is a significant investment; it takes just one damaging event to cause potential loss or harm. A home insurance policy may give you the needed protection to help your financial recovery from an insured incident.
The Jones – Byrd Insurance Agency serves hundreds of North Carolina customers through our Dunn and Coats offices, and we can help explore the insurance that may best protect your home and family.
What Is Home Insurance?
Home insurance helps protect your home, property and liability; this combination of coverages is why homeowners insurance is called a package policy. Typically, home insurance offers liability coverage if you or a family member causes bodily injury or property damage to someone or if a guest is injured on your property. It also provides coverage for repairing your dwelling or other covered structures on your property and repairing or replacing your insured personal belongings following a covered incident. Finally, the typical home insurance offers coverage for additional living expenses, such as a hotel or temporary housing and meals—up to your policy limit—if you must leave your home following a covered event.
We can review your home, location and personal circumstances to see if any additional insurance, such as a flood policy, may be beneficial.
How Does Home Insurance Work?
Most insurers have specific policy processes, including us. For most insurers, a home insurance policy is a contractual agreement you make with them. In exchange for your regular premium payment, your insurer provides you with the coverage detailed in your specific policy. If a covered loss occurs during your policy period, you may choose to file a claim against your policy. We can explain our claims process so that you know how ours works.
How Much Home Insurance Do I Need for a Mortgage?
Most home lenders require proof of insurance from home buyers before approving their home loans. The amount of coverage you may need depends on your lender and home location. Some homeowners decide to decline home insurance coverage, but they may put themselves at risk for covering costs if a damaging event occurs. Home insurance may help cover those costly recovery amounts.
Protect Your Financial Assets
The insurance professionals at the Jones – Byrd Insurance Agency can help protect you against the many risks you may face as a homeowner—and meet your lender’s requirements. Call 910-892-3440 for your no-obligation quote on a home insurance policy tailored to your specific needs.
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