Homeowners Insurance in Beaufort, NC & Morehead City, NC, NC
In coastal areas such as Beaufort, NC & Morehead City, NC, NC, homeowners like you face a higher risk of property damage due to severe weather. Without adequate insurance, you could incur significant out-of-pocket costs for property repairs or rebuilding, which could cause financial hardship if your home is damaged or destroyed. At Willis Insurance, our experienced agents can help you navigate the complexities of homeowners insurance. Contact us to learn more about our comprehensive policies.
What Is Homeowners Insurance? 
Homeowners insurance, also known as home insurance, is a type of policy that may provide financial protection against loss or damage to your home and belongings due to covered events (e.g., fires, hail, lightning, theft and vandalism). It typically includes coverage for personal liability, property damage and additional living expenses.
Keep in mind that standard homeowners insurance does not cover flooding. If you live in a coastal area, it’s important to discuss additional coverage options for flood-related losses with your insurance broker.
What Does Homeowners Insurance Include?
Homeowners insurance policies can vary, but here are some common coverage offerings:
- Personal liability coverage can help reimburse legal fees and medical bills if you are sued for causing property damage or bodily injury to others.
- Personal property coverage can help pay for damage to your belongings due to covered events.
- Additional living expenses coverage may help compensate extra costs (e.g., food, lodging and transportation) if you must temporarily leave your home due to damage from a covered event.
- Dwelling coverage may help reimburse property repair or replacement costs if your home’s structure is damaged by a covered event.
- Other structures coverage may help pay for damage to additional structures on your property, such as detached garages and fences.
How Much Coverage Do You Need?
The amount of homeowners insurance you need often depends on several factors, including the value of your home and belongings, your location, and your risk tolerance. It’s essential to choose coverage limits that will fully cover the cost of rebuilding your home and replacing your possessions. Additionally, you should consider local costs for maintaining your current lifestyle if you were to have to vacate your home due to a covered event, as well as potential liability risks, such as children and pets.
How to Compare Homeowners Insurance Rates
To effectively compare homeowners insurance rates, start by identifying the types of coverage and limits you need and comparing available policies that meet those parameters. Carefully evaluate the coverage details, deductibles and premiums of each quote. Consult your insurance broker for further guidance.
Where Can I Buy Homeowners Insurance?
Willis Insurance offers personalized service to meet your insurance needs. We can help you explore your options and select the right policy. Contact us today or request a free quote.