Estimated reading time: 7 minutes
- What Does Homeowners Insurance Cover?
- Does Homeowners Insurance Cover Water Damage?
- What Are The Different Types Of Home Insurance Policies?
- How Much Is Home Insurance?
- Bundling Home and Car Insurance: Is It Worth It?
- How To Save On Home Insurance: Tips And Tricks
- Condo Insurance vs. Homeowners Insurance
- Does Home Insurance Cover Earthquakes? A Comprehensive Guide
- Insurance For Special Stuff And Optional Homeowners Endorsements
- Am I Required To Purchase NC Home Insurance?
- Find Local Homeowners Insurance
- Learn About Other Personal Insurance
North Carolina is known for its natural beauty. The state offers residents and visitors the opportunity to experience the wonders of the Blue Ridge Mountains and the waves of the Atlantic Ocean.
What makes the state wonderful, also makes home insurance in North Carolina a challenge.
To navigate the North Carolina Home Insurance market, you need a trusted Advisor that can guide you through the coverage options and risks!
Do A Google Search for “homeowners insurance nc” and you will be bombarded with search results from LARGE insurance companies wanting to SELL YOU something.
We hope this Homeowners Insurance Resource will help guide you to making the best decision for you and your family.

What Does Homeowners Insurance Cover?
Homeowners Insurance is designed to protect one of a family’s largest assets…their home.
The standard Home Insurance policies provide coverage for a few major things
- Property Damage To Your Home (the actual building)
- Property Damage To Your STUFF
- Personal Liability associated with your home and property
Does Homeowners Insurance Cover Water Damage?
Water Damage is one of the leading causes of home insurance claims.
In general, home insurance companies will cover water-related claims if the damage is considered “Sudden And Accidental”.
Typical COVERED Water Damage Claims might include:
- Damage Caused By Rain And Snow
- Water Damage Caused By A Burst Pipe
- Hot Water Heater Malfunction


What Are The Different Types Of Home Insurance Policies?
In North Carolina, there are really only 2 Main Homeowners Insurance Policy Forms.
- Homeowners Policy Form 3 – Special HO3
- Homeowners Enhanced Form – HE7
Both of these policy forms are meant to cover Owner Occupied single-family homes.
While the policy forms are similar, there are distinct differences you should be aware of.
Should I choose the HO-3 of the HE-7? (PDF)
How Much Is Home Insurance?
Finding cheap homeowners insurance North Carolina can be tricky. Depending on where the home is, what kind of dwelling it is, and what local considerations must be made, it may be more or less expensive to insure.
We take a look at the rating factors that affect your home insurance premiums.
- Location
- Year Of Construction
- Type Of Building Construction
- Size Of Home
- Credit History
- Claims History
- Other Insurance With The Same Carrier
- Deductible
Most carriers will use the criteria listed above as a starting point for calculating an accurate Home Insurance Rate.


Bundling Home and Car Insurance: Is It Worth It?
In this article, we’ll explore the ins and outs of insurance bundling, including how it works, what factors affect your discounts, and potential risks to be aware of. Keep reading to learn how you can get the most out of bundle home and car insurance.
How To Save On Home Insurance: Tips And Tricks
Are you tired of feeling like you’re paying too much for home insurance? Well, fear not! In this article, we’ve got you covered with tips and tricks on how to save on home insurance.
As a homeowner, you understand the importance of homeowners insurance. It provides a sense of security and protection for your biggest investment.
But what you may not understand is how homeowners insurance is rated and how you can save money on it.


Condo Insurance vs. Homeowners Insurance
Condo insurance and homeowners insurance are two types of property insurance policies, but there are differences. When deciding which type of policy is right for you, it’s important to understand the differences between them.
In this article, we will examine similarities and differences between condo insurance and home insurance by exploring some of the primary coverages provided by Condo Insurance And Home Insurance.
Does Home Insurance Cover Earthquakes? A Comprehensive Guide
Picture this: You’re enjoying a peaceful evening at home when suddenly, your favorite coffee mug starts to dance on the table. The floor beneath you begins to sway, and you realize – it’s an earthquake! But wait, does home insurance cover earthquakes?
Let’s shake things up and find out about earthquake insurance!
- What is Earthquake Insurance?
- The Gap in Homeowners Insurance Coverage
- What Does Earthquake Insurance Cover?
- The Cost of Earthquake Insurance
- Is Earthquake Insurance Worth It?
- Earthquake Insurance Recommendations

Insurance For Special Stuff And Optional Homeowners Endorsements
Home Insurance Policies provide standard coverage(s) for most items in, on, and around your house.
However, the base policy forms can lack coverage or amounts of coverage you need!
Instead of having to purchase EXTRA insurance products to cover your needs, often you can simply endorse your current homeowners policy to add coverage.
Insuring Special Belongings
Whether you are an avid collector, or just an everyday person that has acquired some special belongings…you should pay close attention to how those items are treated on your Homeowners Insurance.
With many “special” items, the standard policy either excludes certain losses or can limit the amount of coverage you have for certain items.
Gun Insurance
Guns and Firearm related equipment (ammo, sights, scopes, etc) can be pricey.
Did you know that your homeowners insurance provides limited coverage for your firearms?
The type and amount of coverage you have depends on the type of policy you have.
- $2,500 Coverage On The HO3
- $10,000 Coverage On The HE7
Want More Information on Gun Insurance? We have a resource that dives deep into Gun Insurance
Learn More
We have a resource that answers the question “Gun Insurance – What Does Homeowners Insurance Cover?”
Optional Homeowners Endorsements
Guaranteed Replacement Cost Coverage
Guaranteed Replacement Cost Coverage provides for the Replacement Cost Settlement of your home in the event of loss. If your policy has been endorsed with this coverage, the insurance company will pay the difference between what your house is insured for and the actual amount it costs to rebuild the home (subject to certain limitations).
Replacement Cost Coverage (Add’l 25% or 50%)
Replacement Cost Coverage provides for the Replacement Cost Settlement of your home in the event of loss. If your policy has been endorsed with this coverage, the insurance company will pay the difference between what your house is insured for and the actual amount it costs to rebuild the home up to an additional 25% or 50% (depending on the endorsement) should the reconstruction exceed the Dwelling Limit stated on the declaration page.
Personal Property Replacement Cost
Personal Property Replacement Cost Coverage extends the replacement cost settlement to Coverage C of your policy. There are certain limitations, so be sure to ask your agent for further information.
Watercraft Endorsement
The Watercraft Endorsement extends the liability coverages provided under Coverage E & F if your policy.
Am I Required To Purchase NC Home Insurance?
No! There is no law in North Carolina that requires homeowners to purchase insurance on their home.
On the other hand, if you have a mortgage on your property, the lender will require that you purchase insurance.
Normally, the mortgage contract states that you must purchase insurance in an amount equal to, or greater than, your mortgage or for Replacement Cost.
Find Local Homeowners Insurance
Greensboro NC Homeowners Insurance | Clemmons NC Homeowners Insurance |
Wilmington NC Homeowners Insurance | Hendersonville NC Homeowners Insurance |
Learn About Other Personal Insurance
Homeowners Insurance | Auto Insurance | Umbrella Insurance |
Renters Insurance | Flood Insurance | Motorcycle Insurance |
Boat Insurance |