The Best Homeowners Insurance Greensboro NC

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How To Choose The Best Homeowners Insurance Agency

Located in the rolling hills of Piedmont, Greensboro, North Carolina offers big city life near the Blue Ridge and Great Smoky Mountains. Regardless if you own a historic home in Aycock or a mansion in Old Irving Park, your home needs to be protected with high-quality home insurance. 

From home invasions to hail storms, ALLCHOICE helps homeowners like you safeguard against life’s uncertainties. We are a home insurance company that understands local risks associated with Greensboro, NC, and will best serve you when it comes to choosing the right coverage. 

When searching for the best available homeowners insurance, you’ll need to consider the following:

  • What Does Homeowners Insurance Cover?
  • How Much Does Homeowners Insurance Cost In Greensboro, North Carolina?
  • Do I Need Homeowners Insurance In North Carolina?

As a local home insurance agency in Greensboro, NC, ALLCHOICE is here to answer any questions you have. Contact us today to chat or request 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 coverage will protect the building structures, including your home and garage, as well as your personal belongings on the property. 

Personal liability coverage protects you in the event that someone is injured on your property such as a visitor, mailman, or gardener. 

Personal liability may also cover you if another resident of your home is at fault for injuring another person or damaging the property. One such example would be your dog killing a neighbor’s chickens. 

Being bordered by the Blue Ridge and Great Smoky Mountains, Greensboro residents need to know they are covered from damage caused by severe storms and other risks. The most common home insurance claims in Greensboro, NC, are for:

  • Severe Weather
  • Water Damage
  • Fire / Lightning Damage
  • Non-Theft Property Damage
  • Burglary and Property Damage
  • Dog Bites

A Local Greensboro Insurance agency can help determine which coverage is best for you by understanding your individual needs.

How Much Does Homeowners Insurance Cost In Greensboro, NC?

North Carolina’s average cost of homeowner’s insurance is just slightly above the national average. 

However, living in a city with a relatively low crime rate, Greensboro residents can expect to pay less than the national average of $1,034. Yet still, your individual premium will depend on several factors, including:

  • Your home’s size, finishes, market value, etc.
  • Installed Security systems
  • Storm protection and weather hazards
  • Crime rates in the neighborhood
  • and more

Other things that are considered when determining your premium is your claims history, desired deductible, and credit score.

Do I Need Homeowners Insurance In North Carolina?

If your home is financed, then yes, your lender will commonly require you to carry homeowner’s insurance. 

However, regardless if you are required to or not, home insurance is a great thing to have. 

Since buying a home will be one of the largest investments you make in your life, it only makes sense to protect it any way you can. 

This is especially true when you consider how affordable home insurance is when you compare it to the cost of replacement or major repairs. 

For example, let’s say you have a premium of $1,000 per year. Your cost is roughly $80 per month to protect your largest investment. 

Do I Need Home Insurance If I Rent My House Out?

The answer to this question is definitely – YES! 

If you rent your home in Greensboro, you need to carry a landlord’s home insurance policy. 

This policy will cover the property, structure, and personal property held on the premises, like appliances for example. 

The good news is that this type of insurance is generally more affordable than standard home insurance because it won’t cover your tenant’s personal belongings. 

Hence, it’s a great idea to require your tenants to carry renter’s insurance to protect their belongings

High Risks For Your Home In Greensboro, North Carolina

The crime rate in Greensboro, North Carolina, is lower than nearly 25% of U.S. cities. 

Though the crime rate is lower than some, the city has other risks to consider. Greensboro, NC, is located near the Blue Ridge and Great Smoky Mountains, which exposes it to severe storms, as well as flooding. 

Your local home insurance agency in Greensboro, NC will know what coverage you need to combat local risks. After all, who better to advise you than another resident of your community?

Contact ALLCHOICE, the best home insurance agency in Greensboro, NC. We are more than happy to provide you with a free quote personalized to your needs.

Driving Directions to ALLCHOICE Greensboro

  1. From Old Irving Park Head NW on Carlisle Rd toward St. Andrews Rd
  2. Turn left onto W Cornwallis Dr
  3. Turn right at the 1st cross street onto Cleburne St
  4. Turn right onto W Cone Blvd
  5. Turn left onto N Elm St
  6. Turn right onto Corporate Center Ct
  7. Destination will on the right at: 7 Corporate Center Ct Ste B Greensboro, NC 27408