Living as a Homeowner in Jacksonville
Jacksonville, NC is a unique community—home to Camp Lejeune, a growing local economy, and a mix of neighborhoods from coastal-inspired homes to newer suburban builds. Whether you own a house in Northwoods, a property near Piney Green, or a condo closer to downtown, your homeowners insurance needs to be tailored to your location and lifestyle.
Why Homeowners Insurance Matters in Jacksonville
Owning property here means preparing for specific risks:
- Coastal Weather: Jacksonville is close enough to the coast to feel the effects of hurricanes, tropical storms, and flooding.
- Military Housing Considerations: Military relocations can impact rental and property markets, making proper coverage important for investment homes.
- Severe Storms & Wind Damage: Summer storms, hail, and high winds can cause costly damage.
- Rising Construction Costs: Ensuring your coverage reflects current replacement values is key.
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 inside and outside your home—furniture, appliances, electronics, and more.
- Liability Protection – Helps cover legal costs if someone is injured on your property or you accidentally damage someone else’s property.
- Additional Living Expenses (ALE) – Covers temporary housing if your home becomes unlivable due to a covered loss.
- Optional Add-Ons – Flood insurance, wind/hail coverage, and equipment breakdown protection.
How Sizemore Insurance Helps Jacksonville Homeowners
We’re an independent insurance company, meaning we work for you—not the carriers. Here’s how we make getting covered simple:
- Compare quotes from multiple top-rated carriers in North Carolina
- Tailor coverage to your home type—whether a single-family home, condo, or rental property
- Look for discounts like bundling home and auto
- Help you understand hurricane and windstorm deductibles
- Provide ongoing reviews so your policy stays up-to-date
Tips for Homeowners in Jacksonville
- Consider Flood Insurance – Even outside designated flood zones, heavy rains and hurricanes can cause flooding.
- Update Your Coverage Regularly – Rising building costs can leave you underinsured if you don’t adjust your policy.
- Bundle for Savings – Combine your home and auto insurance for potential discounts.
- Be Storm Ready – Have a plan for hurricane season, including securing outdoor items and reviewing your emergency kit.
Protect Your Jacksonville Home Today
At Sizemore Insurance, we understand Jacksonville’s unique risks—from military relocations to coastal weather. We’ll help you find clear, dependable coverage that fits your needs and budget.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.