Is Home Insurance Required in North Carolina?

Homeownership in Nashville, NC is a great personal accomplishment; North Carolina is one of the best places you can buy a home, settle down, start a career, raise a family, and enjoy all the things the state has to offer. The team at Hedgepeth-Hutson Insurance Services Inc. understands the process of purchasing home insurance and we’re here to help you through every step. 

While home insurance in North Carolina is not required by law, it’s the best way to maintain peace of mind about the biggest financial investment in your life. You pinched pennies, you made sacrifices, you traveled less and cooked at home more, all so you could afford the home of your dreams. Don’t risk financial hardship by not investing in proper quality insurance to protect your home and the personal property inside! 

If you worked with a lender to secure your home loan, they most likely require you to hold a home insurance policy in the event of any damage to the home that requires repairs or replacing. Insurance covers the majority of these costs, so you don’t have to dip into savings to fix the damage. 

At Hedgepeth-Hutson Insurance Services Inc., we have some of the best insurance agents in the business, and they’re happy to help you select the best insurance policy for your home, personal belongings inside the home, and structures on your property. It’s difficult to predict what could happen, but with the unpredictable weather patterns in North Carolina, we can safely say that you’re better off with a home insurance policy you can count on. 

Nashville, NC is a wonderful place to live. Invest in a home insurance policy that suits your lifestyle, and enjoy the peace of mind that comes with it! 

Who needs to get home insurance?

The St. Bunn and Nashville, NC area continues to be one of the fastest-growing areas in the state of North Carolina. Due to this, it is also a great place for anyone to purchase a home. If you decide to buy a property here, you will want to make sure that you always get proper insurance protection. There are several situations when someone here will need to get proper home insurance for their property. 

Those with a Mortgage

One situation when people need to get home insurance is when they have taken out a mortgage. Any mortgage lender will have mortgage requirements that need to be met. To ensure no lapse in coverage, it is also common for a lender to escrow your payments each month. This helps to ensure that your home, and its collateral, stay covered and protected.

Those Wanting to Protect Home

You will also want to get home insurance so you can protect your property. A home is going to be the largest asset that most people will ever own. When you get home insurance, it will ensure that you have coverage to repair or replace it. If there is ever a storm or fire, it will prove to be a great investment. 

The Nashville, NC area will continue to be a great place for anyone to buy a home. As you are looking for a new home insurance policy, you will want to ensure that you receive appropriate guidance. A great resource to rely on is the team at Hedgepeth-Hutson Insurance Services Inc. When you call Hedgepeth-Hutson Insurance Services Inc., you can learn more about how this insurance can protect you. The team can then help you build a policy that will offer the right type and level of coverage. 

Tips to Prepare Your North Carolina Home Against Winter Weather

As the winter months approach, homes in North Carolina should prepare for the weather that comes with the season. While it is mild compared to other states, there are still weather dangers that could cause damage to your home. Below are some tips to help protect your home from winter weather such as ice, heavy snow, and frigid temperatures brought to you by Hedgepeth-Hutson Insurance Services, Inc. 

Cover your pipes

Before the weather becomes too cold, you should wrap your water pipes to protect them from the freezing temperatures. In this weather, they can freeze due to the weather and burst, causing significant damage throughout your home. Also, you will want to drain any outdoor hoses and pipes, also. Although they are not used as much in the winter, if they are not drained properly, they can also burst and amplify damages both internally and externally. 

Clean your gutters

Before the snow and ice make their way to Nashville, NC, you should take an afternoon to remove any fall foliage and debris from your gutters. Pinecones, straw, leaves, and excess water from the last rainfall can add some weight to your gutters. If snow or ice fall into your gutters, and they are already full of this debris, they will become too heavy and fall, causing exterior damage to your home. 

Time for window insulation

You will want to keep the heat inside your home in the winter, so add window insulation to keep your home warm and minimizing the use of your heat during the winter. This protects your utility bill through the winter months and overall home protection because the heating unit is not being overworked.

At Hedgepeth-Hutson Insurance Services, Inc., we want our customers in or around Nashville, NC to have the best options in home insurance. Contact us today for more information.