Homeowners Insurance - Hendersonville NC

The Best Homeowners Insurance Hendersonville NC

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

  1. From Cold Spring Park Historic District 
  2. Head south on N Main Street
  3. Take N Church St to 4th Ave W
  4. Turn left onto 4th Ave W
  5. Turn right at the 2nd cross street onto N Main St
  6. Destination will on the right at: 323 N Main St Ofc 3 Hendersonville, NC 28792

Insurance Quotes For Hendersonville & Surrounding Areas

ALLCHOICE Insurance is one of the leading Multi-Line Independent Agencies offering Insurance in Hendersonville NC!

We understand the distinct challenges and nuances that surround the insurance climate of Coastal North Carolina!

From everyday Home Insurance, Auto Insurance, & Personal Umbrella Insurance…to more complex business issues that require Business Owners Coverage & Workers Compensation Insurance…ALLCHOICE offers affordable insurance solutions to the families and businesses of Wilmington, Bayshore, Carolina Beach, Kure Beach, Landfall, New Bern, Wrightsboro, Wrightsville Beach.

Hendersonville NC Independent Insurance Agency Focused On Customer Experience

Since we decided to open our Wilmington, NC office, ALLCHOICE has taken great pride in the Risk Management, Service, and Pricing we provide to our customers.

While we love saving people money on their insurance…we believe the true value lies in making sure you UNDERSTAND the policies and insurance coverages you purchase.

Our customers are the prime focus of ALLCHOICE Insurance. Every facet of our business is constantly examined for ways to bring greater ease, comfort, and convenience to our customers. It is that drive and determination that leads ALLCHOICE to constantly upgrade our technologies to ENHANCE your experience both as a Digital Insurance Agency and a Human-Centered Insurance Agency.

What Can ALLCHOICE Insurance Do For Hendersonville NC Insurance?

ALLCHOICEINSURANCE.COM was designed to enhance the services that ALLCHOICE currently provides to both customers and the general public. The design of allchoiceinsurance.com gives Wilmington NC Insurance Consumers one site to find multiple insurance quotes as well as service their current insurance policies.

More importantly, allchoiceinsurance.com provides a site built to give the Wilmington North Carolina Insurance Consumers a better understanding of Wilmington Insurance Coverages including, Wilmington Auto Insurance, Homeowner’s Insurance in Landfall NC, New Bern NC Commercial Insurance, and many more Insurance Coverages and Policies available to New Hanover County Residents.

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Additional Insurance Products & Services

The Insurance Consumer of Wilmington, NC and the surrounding areas of New Hanover County face different challenges than other consumers in the state of North Carolina.  ALLCHOICE Insurance offers the Insurance Products and Services shown on this page and many more.

(Click On The Icons Below For More Information On These Additional Insurance Products & Services)

ALLCHOICE Insurance

2018 Eastwood Rd

Wilmington, NC 28403

(910) 500-6116

From Wilmington International Airport (ILM), 1740 Airport Blvd, Wilmington, NC 28405, to ALLCHOICE Insurance.

Head northeast on Airport Blvd for 0.8 miles

Turn left onto N 23rd St and continue for 0.9 miles.

Turn left onto the ramp to Wrightsville Beach and continue for 0.5 miles.

Next, Merge onto Martin Luther King Jr Pkwy and continue for 3.1 miles.

Continue onto US-74 E/Eastwood Rd and your destination will be on the right after 3.2 miles. 

ALLCHOICE Insurance is located at 2018 Eastwood Rd, Wilmington, NC 28403

We Want Your Feedback On Your New Policy

We know you can choose any Insurance Agency around, but you picked us!

THANK YOU!!!!!!!!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.

We Want Your Feedback On Your Renewal

THANK YOU!!!!!!!!

Another year has come and gone, and you have once again placed your trust in us to protect what matters most to you!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.

We Want Your Feedback

We just wrapped up an endorsement request for you!

While there are things we can’t control like Rate Increases & Claims Decisions…there are certain things we CAN control, like:

  • How we communicate with you
  • The expectations we set
  • How we explain things

So…Did we do a good job in these areas?  Did we meet or exceed your expectations in other areas? We’d love to hear about it!

Would you mind clicking the Green Happy Face and giving us a 5 Star Review, and writing a short review for us?  If we didn’t do a good job for, please let us know that as well by clicking on the Red Frowny Face.