Living as a Homeowner in Charlotte
Charlotte is one of the fastest-growing cities in the Southeast—blending historic neighborhoods, new luxury developments, and sprawling suburban communities. Whether you own a craftsman home in Dilworth, a modern condo in Uptown, or a family home in Ballantyne, the right homeowners insurance helps protect your investment from unexpected risks.
Why Homeowners Insurance Matters in Charlotte
Owning property in Charlotte means preparing for a variety of challenges:
- Severe Weather: From summer storms and hail to occasional hurricane impacts from the coast.
- Rising Property Values: Charlotte’s housing market is competitive, making accurate replacement cost coverage essential.
- Urban & Suburban Risks: Theft, vandalism, and liability claims can happen anywhere.
- HOA Considerations: Many Charlotte neighborhoods have homeowners associations that may require certain coverages.
Core Homeowners Insurance Coverages
- Dwelling Coverage – Protects your home’s structure, including roof, walls, and foundation, from covered losses like fire, wind, or hail.
- Personal Property Coverage – Covers your belongings—furniture, electronics, appliances—inside and outside your home.
- Liability Protection – Helps cover legal costs if someone is injured on your property.
- Additional Living Expenses (ALE) – Covers temporary housing if your home becomes unlivable after a covered loss.
- Optional Add-Ons – Such as water backup, equipment breakdown, or extended replacement cost coverage.
How Sizemore Insurance Helps Charlotte Homeowners
We’re an independent insurance company, meaning we shop multiple top-rated carriers to find the right coverage at the right price. Here’s how we work for you:
- Compare policies from trusted national and regional providers
- Tailor coverage to your property type—whether a condo, single-family home, or townhome
- Search for discounts like bundling home and auto insurance
- Walk you through deductible options, including hurricane and windstorm
- Provide ongoing policy reviews to keep your coverage current
Tips for Homeowners in Charlotte
- Reassess Your Coverage Annually – With Charlotte’s property values rising, update your policy to match your home’s replacement cost.
- Bundle for Savings – Combining home and auto policies can mean significant discounts.
- Consider Flood Insurance – While not common in all neighborhoods, heavy rains can cause unexpected flooding.
- Prepare for Storm Season – Trim trees, secure outdoor furniture, and keep an emergency kit ready.
Protect Your Charlotte Home Today
At Sizemore Insurance, we know Charlotte’s neighborhoods, weather patterns, and market trends. We’ll help you find coverage that’s clear, dependable, and built for your needs.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.