DURING THIS TIME WE’RE HERE TO HELP
- How To Choose The Best Homeowner’s Insurance Agency
- What Does Home Insurance Cover?
- How Much Does Home Insurance Cost In Hendersonville, NC?
- Do I Need Homeowners Insurance In North Carolina?
- Do I Need Home Insurance If I Rent My House Out?
- High Risks For Your Home In Hendersonville, North Carolina
- Driving Directions to ALLCHOICE Hendersonville
How To Choose The Best Homeowner’s Insurance Agency
Nestled in the Blue Ridge Mountains just south of Asheville, Hendersonville, North Carolina offers the small-town life within reach of the big city. Whether you own a Cold Spring Park historic home or a farm near Druid Hills, you need to protect your investment with quality home insurance.
From hail storms to home invasions, ALLCHOICE helps homeowners like you guard against the curveballs of life.
A home insurance agency that understands the local risks of Hendersonville, NC, will best serve you when it comes to planning your coverage.
When looking for the best homeowners insurance, be sure to consider the following:
- What Does Homeowners Insurance Cover?
- How Much Does Homeowners Insurance Cost In Hendersonville, North Carolina?
- Do I Need Homeowners Insurance In North Carolina?
As a local Hendersonville, NC home insurance agency, ALLCHOICE is here to answer your questions.
Contact us today for a friendly chat or to receive a free quote.
What Does Home Insurance Cover?
The standard policy for homeowners insurance covers the following:
- Property damage to your home and personal belongings
- Personal liability related to your home and property
Property damage provides coverage for your home, such as your home and garage, as well as personal belongings on the property.
Personal liability coverage protects you in case someone is injured on your premises, such as a gardener, mailman, or visitor.
Personal liability may also cover you if a resident of your home is at fault for damaging or injuring another, such as your dog killing your neighbor’s chickens.
Surrounded by the Blue Ridge Mountains, Hendersonville residents need to make sure they are covered for severe storms and other local risks. The most common home insurance claims in Hendersonville, NC, are for:
- Severe Weather
- Water Damage
- Fire / Lightning Damage
- Non-Theft Property Damage
- Burglary and Property Damage
- Dog Bites
A Hendersonville Insurance agency will determine which coverage is best for you based on your individual needs.
How Much Does Home Insurance Cost In Hendersonville, NC?
The average cost of homeowner’s insurance in North Carolina is only slightly above the national average. But living in a rural city with a low crime rate, Hendersonville residents can expect to pay less than the national average of $1,034. Your premium, however, will depend on several factors, such as your home’s:
- Size, finishes, market value, etc.
- Security systems
- Storm protection and weather hazards
- Crime rates in the neighborhood
- and more
Your credit score, claims history, and desired deductible will also be considered when calculating your premium.
Do I Need Homeowners Insurance In North Carolina?
If you finance your home, your lender will likely require you to maintain home insurance.
But, regardless of requirements, home insurance is always highly recommended. Buying a home is one of the most significant investments people make in their lifetime. It only makes sense to insure your investment against the unknown.
It especially makes sense when you consider how affordable home insurance is compared to the cost of repairs or replacement. Let’s assume your annual premium is $1,000. That is only about $80 a month to protect your biggest investment.
Do I Need Home Insurance If I Rent My House Out?
Yes! If you rent your house in Hendersonville, you need a landlord’s home insurance policy that covers the structure, property, and personal property on the premises, such as appliances.
This type of insurance is usually more affordable than standard homeowner’s insurance because it does not cover your tenant’s personal belongings.
It is highly recommended you require your tenants to carry renter’s insurance for their own protection.
High Risks For Your Home In Hendersonville, North Carolina
The crime rate in Hendersonville, North Carolina, is lower than nearly 25% of U.S. cities.
Though the crime rate is low, the city has other risks to consider. Hendersonville, NC, is located in a valley of the Blue Ridge Mountains, which exposes it to severe storms, as well as flooding.
Your local Hendersonville home insurance agency will know what coverage you need to combat local risks. After all, who better to advise you than another resident of your town?
Contact ALLCHOICE, the best home insurance agency in Hendersonville, NC. We would be happy to provide you with a free quote personalized to your needs.
Driving Directions to ALLCHOICE Hendersonville
- From Cold Spring Park Historic District
- Head south on N Main Street
- Take N Church St to 4th Ave W
- Turn left onto 4th Ave W
- Turn right at the 2nd cross street onto N Main St
- Destination will on the right at: 323 N Main St Ofc 3 Hendersonville, NC 28792