Find Affordable Homeowners Insurance


High Point, NC Homeowners Insurance

Are you searching for High Point, NC home insurance coverage that you won’t have problems paying for but still give you adequate protection? We can help you find what you need by providing you with a list of the best insurance providers for your area. Just type in your Zip Code at the top of this page and you will get you a list of the best agencies and carriers for your Guilford county.

Aside from comparing multiple quotes and packages from different insurance providers, there are many other ways on how you trim your overall homeowners insurance costs. One of these is to know exactly what your policy will cover.

Understanding the ins and outs of your policy

Majority of standard homeowners insurance policies provide coverage for four components. These include the following:

  1. The home’s structure
  2. Personal belongings in the home
  3. Liability protection
  4. Additional living expenses (ALE) in case an included peril renders the insured home uninhabitable

Note that almost all insurance companies also base their policies on the same list of named perils as follows:

  1. Fire and lightning
  2. Windstorms and hail
  3. Explosion
  4. Riots and civil commotion
  5. Aircraft
  6. Vehicles
  7. Smoke
  8. Vandalism and malicious mischief
  9. Theft
  10. Glass that is part of the home
  11. Volcanic eruptions.
  12. Falling objects
  13. Weight of ice, snow or sleet
  14. Accidental discharge or overflow of water or stream from within plumbing or related systems; does not include discharge or overflow of water from a sump.
  15. Sudden and accidental rupture of a heating, air conditioning, fire protective sprinkler, or hot water heating system
  16. Freezing of plumbing or related systems
  17. Sudden and accidental damage from artificially generated electrical current

It’s vital you keep this in mind, as not all homeowners insurance in High Point, North Carolina provide coverage for all of them.


A standard home insurance policy will pay to cover the costs of repairing or rebuilding your home’s structural components in the event that any insured disaster damages or destroys it. Whether you’ll get coverage or not again depends on the type of home insurance you have. However, if you purchased the HO-2 policy, it will provide coverage for all the 17 above-mentioned perils.

Keep in mind that most policies don’t pay for flood- or earthquake-caused damages, as well as those that occur due to regular wearing and tearing. You’d have to purchase separate coverages for these.

The general rule of thumb to follow is to purchase coverage with an amount equal to the average cost of rebuilding your home.

Personal belongings

A standard High Point, NC home insurance policy will cover majority of your personal belongings if named perils, including hurricane and fire, destroys them, or if a criminal steals them. Typically, the coverage applies to personal items such as clothes, as well as furniture and sports equipment.

In most cases, the coverage amount for personal belongings is about 50 to 70 per cent of the insurance on the home’s structure. However, to make sure that you’ll receive sufficient coverage for your valuables, you should perform a thorough home inventory. This way, you won’t miss items of significant value and forget to consider their cost when calculating how much coverage to purchase.

Liability protection

This protects you in case someone files a lawsuit against you for bodily injury or property damage. It also provides coverage for damages caused by your pets.

Your High Point, NC homeowners insurance, specifically its liability portion, will cover not just the cost of defending you, but also court awards and penalties that may arise. There is a limit though, so make sure you review your policy to find out how much this is.

Additional living expenses (ALE)

Natural disasters and crimes can leave your home temporarily uninhabitable. Because of health and safety dangers, you would have to live someplace else. Without home insurance, this means potentially and unnecessary high out-of-pocket expenses.

With a High Point, NC home insurance policy, on the other hand, you have less to worry about when you need to live away from your home for a short period of time. As long as the cause of the damages were one of the included perils in your coverage, this portion of your policy will cover the additional costs of temporarily moving out of your place.

Underbuying or overbuying homeowners insurance can cost you a lot, so it pays to know exactly what you’ll receive coverage for, so you take the necessary actions (like buying flood or earthquake insurance).

Other Cities in North Carolina:

  • Webster, NC Homeowners Insurance
  • Buxton, NC Homeowners Insurance
  • Bennett, NC Homeowners Insurance
  • Saint Pauls, NC Homeowners Insurance
  • North Wilkesboro, NC Homeowners Insurance
  • Catawba, NC Homeowners Insurance
  • Oak Island, NC Homeowners Insurance
  • Beaufort, NC Homeowners Insurance
  • Maysville, NC Homeowners Insurance
  • Atlantic, NC Homeowners Insurance
  • Read more about High Point, North Carolina home insurance

    A great deal of house owners are preserving money on their insurance policies by attempting to personalize their deals instead of likely with a firm's default plan. If you want to preserve some income, verify out these tips on what you can do in get to capture a deal with out getting to lose quality.

    To reduce the yearly insurance policy premiums on your house, improve your deductible volume. Even though this means that minor claims such as leaky pipes, damaged home windows or the like will not be lined, these types of injury usually only price a pair hundred pounds to mend, which will be less than you save.

    Home owners who pay off their mortgages quicker will see much less high priced insurance sooner. Insurance policies companies think that if you very own your home outright or have a increased stake in it's equity, you will be more most likely to take very good treatment of it and hold it really is benefit higher. Attempt to boost the amount you spend every single thirty day period to pay it off quicker.

    Property owner's insurance policy can support to safeguard your property from a variety of concerns. If there is hurt that is completed to your property, it can be covered and paid out for using your insurance. This can contain damage and dropped home from theft or even some specified disasters. Every house operator must have a coverage.

    The best homeowner's insurance coverage in the globe might include provisions that demand you to keep your house in doing work purchase. You need to scrutinize it to see how much typical servicing you are needed to do on your house in buy to be positive that all contingencies are protected. Or else, you might conclude up possessing a coverage-related circumstance you weren't conscious of, since the coverage specified you essential to keep that specific portion of your home in great operating purchase in buy to file a assert.

    Remain away from swimming pools and trampolines. Although your kids may enjoy to leap on the trampoline or swim in the pool, these small extras are insurance nightmares. Insurance policies businesses will up to double the charges of a homeowner who installs either of these things. Continue to be absent from extras with the possible to harm!

    Installing a safety method in your residence is a fantastic way to reduce your house proprietors insurance policies premiums. A cost savings of 5% or a lot more is typical with the set up of a system that includes checking by nearby regulation enforcement or a central protection center. Make positive to submit proof of the checking contract to your insurance policies business to guarantee you receive your discount.

    When incorporating a feature such as a swimming pool or trampoline to your residence, issue in insurance policies charges and tips in the venture. Defined as appealing nuisances, these characteristics have enhanced dangers linked with them can boost premium, but pursuing suggestions like introducing a safe fence and gate can offset the cost somewhat.

    Locate out what variety of residence replacement protection is offered on your residence owners insurance plan. Some will promise substitution whilst other people will restrict the quantity of money you will get if your home is wrecked. Some insurance firms have a cap on the payments to a share of the encounter benefit of your plan.

    Conserving money on an insurance coverage package deal without having having to sacrifice crucial coverage alternatives is the excellent predicament for every single house owner out there. If you can use the ideas you just read to information you, you need to be in a position to find a spectacular coverage program that will not split the financial institution each and every month.

    Comments are closed.