What Does Homeowners Insurance Cover?

Dwelling Coverage

Protects your home’s structure, including walls, roof, and foundation. It guards against damage from events like fire, storms, and vandalism.

Personal Property Coverage

Covers your belongings, from furniture to electronics, if they’re damaged, lost, or stolen. This policy helps replace what matters most.

Liability Protection

Covers legal and medical costs if someone is injured on your property. It also protects you if you accidentally damage someone else's property.

Additional Living Expenses (ALE)

Helps pay for temporary housing, food, and other costs if your home is unlivable due to a covered loss. It keeps you on your feet while repairs are made.

Dwelling Coverage

Protects your home’s structure, including walls, roof, and foundation. It guards against damage from events like fire, storms, and vandalism.

Personal Property Coverage

Covers your belongings, from furniture to electronics, if they’re damaged, lost, or stolen. This policy helps replace what matters most.

Liability Protection

Covers legal and medical costs if someone is injured on your property. It also protects you if you accidentally damage someone else's property.

Additional Living Expenses (ALE)

Helps pay for temporary housing, food, and other costs if your home is unlivable due to a covered loss. It keeps you on your feet while repairs are made.

Home Insurance in North Carolina & South Carolina

What You Should Know

North Carolina's weather is unpredictable, from hurricanes along the coast to severe storms further inland. Whether you're in Wilmington, Raleigh, or the mountains, your home faces different risks depending on where you live. South Carolina homeowners face similar challenges, from coastal flooding in Charleston to hail and wind damage in Greenville. Whether you're in the Lowcountry, Midlands, or Upstate, the right coverage matters. At Sizemore Insurance, we work with 100+ carriers to find the right policy for your property, your location, and your budget.

Frequently Asked Questions

Do I need separate flood insurance in NC & SC?

Yes, most standard home insurance policies don’t cover flood damage. If you’re in a flood-prone area, we can help you find a policy that protects against flooding.

How much home insurance coverage do I need?

Your coverage should be enough to fully rebuild your home if necessary. We will help you learn your home’s value. We will also suggest coverage levels to keep you protected in any situation.

What should I know about hurricane deductibles?

In the Carolinas, policies often have separate deductibles for hurricanes or windstorms. We’ll explain what these mean for you and how they affect your out-of-pocket costs if a major storm occurs.

Does home insurance cover personal belongings outside the home?

Yes, many policies include some coverage for personal belongings wherever they are. Whether you keep your items at home or take them with you on the go, you still enjoy coverage.