Home Insurance in North Carolina

Whether you are a newcomer to North Carolina or a lifelong resident, you’ve come to the right place to learn how to protect your newest investment. Hedgepeth-Hutson Insurance Services, Inc. suggests that every homeowner in Nashville, NC and throughout the state research home insurance. Though it’s mandatory through some lenders, it could be something that you feel very fortunate to have if an accident occurs in your home.

A basic homeowner's insurance policy is generally broken into two sections. Section 1 covers the property, while Section II provides coverage for liability aspects.

Section 1 of a Basic Homeowner's Insurance Policy Covers:

• dwelling
• other structures
• personal property
• loss of use

Section II Covers:

• personal liability
• medical payments to others

It’s important to note that in the state of North Carolina, a basic homeowner's insurance policy does not protect the homeowner against loss due to floods, earthquakes, mudslides, mudflows, or landslides. If your home is located in a flood plain, your lender may require flood insurance. The good news is that Hedgepeth-Hutson Insurance Services, Inc. provides flood insurance as well as a wealth of other insurance products. We can talk to you about this type of insurance when you come in.

Some additional optional coverages that you may want to consider are:

• scheduled personal property endorsement
• refrigerated property coverage
• guaranteed replacement cost coverage
• inflation guard endorsement
• personal property replacement cost
• watercraft endorsement
• water back up and sump overflow

We are confident that you are going to enjoy your time as a first-time home buyer, or if you are a seasoned veteran, you’ll probably have double the fun. Call us or stop by Hedgepeth-Hutson Insurance Services, Inc. if you are in Nashville, NC, and we'll walk you through the process of protecting your home with homeowner's insurance.