Living as a Homeowner in Richlands
Richlands, NC is a growing community in Onslow County, known for its small-town feel, farmland, and family-friendly neighborhoods. Whether you live in a historic home near downtown, a newly built subdivision, or a property on the outskirts, having the right homeowners insurance is essential to protect your investment.
Why Homeowners Insurance Matters in Richlands
Homeownership in Richlands means preparing for both inland and coastal-related risks:
- Severe Weather Threats: While farther inland than coastal towns, Richlands still experiences tropical storm remnants, strong winds, and heavy rain.
- Flooding Risks: Local creeks and rivers can overflow during heavy storms, causing unexpected flood damage.
- Seasonal Storms & Hail: Spring and summer storms can bring hail and lightning damage.
- Rising Replacement Costs: As construction costs increase, it’s important to make sure your coverage keeps pace.
Core Homeowners Insurance Coverages
- Dwelling Coverage – Protects the physical structure of your home—roof, walls, and foundation—against covered damages like wind, hail, and fire.
- Personal Property Coverage – Covers your belongings such as furniture, electronics, and clothing whether they’re at home or away.
- Liability Protection – Helps pay costs if someone is injured on your property or if you accidentally damage someone else’s property.
- Additional Living Expenses (ALE) – Covers temporary housing and other costs if your home becomes unlivable after a covered loss.
- Optional Add-Ons – Flood insurance, equipment breakdown coverage, and other endorsements for expanded protection.
How Sizemore Insurance Helps Richlands Homeowners
As an independent insurance company, we work for you—not the carriers. That means we can:
- Compare quotes from multiple top-rated carriers in one place
- Recommend coverage based on your property type and location
- Offer discounts for bundling home and auto insurance
- Explain hurricane and windstorm deductibles clearly
- Provide ongoing policy reviews so your coverage stays up to date
Tips for Homeowners in Richlands
- Review Your Policy Annually – Make sure coverage matches your home’s replacement cost.
- Consider Flood Insurance – Even inland homes can experience flood damage during severe storms.
- Bundle Policies for Savings – Combine your home, auto, or other insurance for potential discounts.
- Keep Records – Maintain a home inventory for easier claims processing after a loss.
Protect Your Richlands Home Today
At Sizemore Insurance, we combine local knowledge with carrier options to help you get the right homeowners coverage—at the right price.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.