People typically shop for home insurance for one of two reasons. For those that already have home insurance, it may be time to make sure the policy they have provides optimal benefits at an attractive price. For new homeowners, a home insurance policy will be needed in order to obtain a mortgage and to protect their new investment. The financial interest of any financial institution that lends money on a home will also require protection.
The Charlotte, North Carolina home insurance market is represented by various companies and agencies. With an average home value of $160,668 and an average home insurance premium of $605, there are plenty of policies to be had. However, it is important for homeowners to make sure that they are getting what they need and not paying any more than they need to pay in order to have the best possible coverage. For either current or prospective homeowners, Southeastern Insurance is the insurance agency to contact to secure home insurance in Charlotte, North Carolina.
Charlotte’s inland location may fool some people into thinking they probably will not need to make claims against their home insurance. While Charlotte does enjoy some protection from natural disasters, the Queen City is still subject to the wrath of Mother Nature. While not the recipient of direct hits from hurricanes, heavy rains from these storms can result in damage to homes. Tornadoes, hail, and lightning can also occur and can damage both a home and its contents. Winter storms bring the possibility of damage from snow and ice.
Aside from natural disasters, home insurance will also protect against other types of losses such as crime losses. Recent yearly data shows that there were 31,199 crimes involving property in Charlotte. There is a 1 in 24 chance that an individual will be the victim of a property crime. The rate per 1000 for theft is 26.58, so even though Charlotte boasts a good reputation, it is not crime-free.
Finally, there are certain types of losses that will occur no matter where insurance is needed. People will be careless and start fires. Appliances will malfunction, leak and cause water damage. Vehicles can run off the road and into a home. The truth of the matter is that there are many things that can result in loss to a home so no matter where a property is located, home insurance is needed.
Homeowners insurance in the Charlotte, NC area can be purchased through many different avenues. However, the reality is that residents of Charlotte should purchase their insurance from an agency. And, when dealing with an agency, why not deal with one that really knows the Charlotte home insurance market. For personal assistance, give us a call at 800.601.7829.