Home Insurance in North Carolina
North Carolina is one of the fastest-growing states in the county. It has a lot to offer and people are flocking to the state. Four Oaks, NC is a small town with plenty of charm, and buying a home here is a great investment in your future. Home insurance helps to protect your home against all the unforeseen things that can happen. If you have a home mortgage, the lender will require you to have home insurance. If you are looking for a local agent who will treat you like family and get to know you, Lee Insurance Agency LLC offers residents the kind of personal service they expect. As independent agents, we work for our customers, not one specific carrier.
Many things happen that can damage your home and your finances. Home insurance offers several different types of protection, liability, building protection, content coverage, and loss of use protection.
Liability insurance protects you in the event someone is hurt while visiting your home or by a member of your family when away from home. Being sued is a reality of life and liability insurance offers a level of protection.
Building protection covers the actual structure of your home and structures both attached and detached. It covers the roof, HVAC, electrical, and plumbing against damage due to a covered hazard. Be sure to read policy exclusions.
Things not built into your structure are the contents. These can be covered as actual value or as replacement value. This includes things like furniture, electronics. clothing and decor.
Loss of use is an important part of home insurance. In the event your home is made uninhabitable by a covered hazard, this coverage will help to pay for a place to stay until you can occupy your home again.
You can customize your home policy with a variety of additional rider to make sure that you have all the coverage you need.
If you are a new homeowner or would like to update your current coverage, the team at Lee Insurance Agency LLC in Four Oaks, NC is ready to give you a no-obligation quote. Stop by our office or give us a call.