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

It offers financial security if an individual injures themselves on your premises. Additionally, it covers accidental damage you may cause to another person's property.

Additional Living Expenses (ALE)

It helps pay for temporary housing and other costs if your home is unlivable because of a covered loss. This coverage helps maintain a seamless flow in life.

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

It offers financial security if an individual injures themselves on your premises. Additionally, it covers accidental damage you may cause to another person's property.

Additional Living Expenses (ALE)

It helps pay for temporary housing and other costs if your home is unlivable because of a covered loss. This coverage helps maintain a seamless flow in life.

Home Insurance in North Carolina

What You Should Know

North Carolina’s diverse weather, from coastal storms to seasonal shifts, makes home insurance essential. With the right coverage, you are safe from surprises. This includes hurricanes near the coast or storms further inland. At Sizemore Insurance, we help you find coverage for your home and property. Our goal is to provide clear and reliable protection.

Frequently Asked Questions

Do I need separate flood insurance in North Carolina?

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 North Carolina, 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.