Your home is likely your largest asset. Homeowners insurance protects your house and personal property against damage or loss due to fire, theft, storms and other covered events. It also provides liability protection if someone is injured on your property. We help you find a policy tailored to your home’s value, location and risk factors.
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Property protection — covers the structure of your home and attached structures (like garages) against perils such as fire, hail, wind and theft.
Personal property coverage — protects furniture, electronics, clothing and valuables inside your home.
Liability coverage — pays legal fees and damages if someone is injured on your property.
Additional living expenses — pays for lodging and meals if a covered event makes your home uninhabitable.
Natural disaster coverage — optional endorsements are available for floods, earthquakes and hurricanes.
Does homeowners insurance cover floods?
Standard policies exclude flood damage. You’ll need separate flood insurance to protect against rising water. We can quote flood coverage for you.
How much dwelling coverage do I need?
You should insure your home for its replacement cost, not its market value. Replacement cost covers the expense to rebuild your home if it’s destroyed.
Will my policy cover detached structures?
Most policies include coverage for detached structures like garages or sheds, typically a percentage of your dwelling limit. We’ll confirm your policy details.
Next Step: Request a home insurance review to ensure your coverage keeps pace with your home’s value.
Customized policies — we tailor coverage to your home’s age, construction and location to avoid gaps.
Gap analysis — we review your current policy to ensure you’re not underinsured and suggest endorsements for valuables or unique risks.
Local knowledge — we understand Charlotte’s weather patterns and neighborhood risks and can advise on appropriate coverage.
Claims advocacy — we assist you with filing claims and negotiating settlements.
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(704) 926-7565
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(980) 206-3356
