Homeowners Insurance in Windsor, NC
Buying a home is one of the most significant investments you’ll make, so it’s essential to protect it from unexpected risks through homeowners insurance.
What Is Homeowners Insurance?
A standard homeowners insurance policy may insure your home and your personal belongings. It is a package policy that may cover losses caused by a covered risk or liabilities stemming from third-party injuries or property damage.
Inclusions may vary depending on the insurer, but a standard policy may provide the following:
- Dwelling coverage, which may pay for repair costs if your home gets damaged following a fire, certain natural disasters, theft or vandalism..
- Bodily injury coverage, which may cover medical expenses of a third party who got injured while on your property.
- Personal liability coverage, which may cover medical expenses or legal costs if someone is injured on your property.
- Additional living expenses coverage, which may reimburse food, shelter and other expenses if you’re forced to temporarily move out of your home after a covered event.
Do I Need Homeowners Insurance?
While North Carolina does not require homeowners to purchase homeowners insurance, your lender may require proof of insurance if you’re financing your home. Even so, having sufficient homeowners insurance may financially protect you if you experience a covered accident or other loss. Without home insurance, you may have to cover repair or rebuilding costs on your own.
How to Get Homeowners Insurance
Contact Dan Pittman Insurance Agency today to get started or request a personalized quote.