Call for a free quote.

Helping families and businesses save money, we can write most lines of personal and commercial insurance in North Carolina. If you’re looking for homeowners insurance in Clemmons, NC then you’re in the right place. Home insurance is vital and you need enough to cover the cost of rebuilding your home at current construction costs. The cost of rebuilding could be more or less than the price you paid or could sell it for today.

View Larger Map

The following four things should be covered by your homeowners insurance:

  • The structure of your home.
  • Your personal possessions.
  • Your liability to others.
  • The cost of additional living expenses

With some banks, you’re required to buy homeowners insurance to cover the amount of your mortgage. If the limit of your home insurance policy is based on the mortgage, make sure it is enough to cover the rebuilding cost. A number of factors go into the cost of rebuilding your home, including: local construction costs, square footage of the structure, the type of roof and materials used, number of rooms, and whether the house or key parts of the house such as the kitchen were custom built. You can contact your local real estate agent or builders association to find out construction costs in your community. If your mortgage happens to be paid off, don’t cancel the insurance policy, it protects your investment in your home.

Standard homeowners policies provide coverage for disasters such as fire, lightning, hail, and explosions. It also covers theft. However, floods, earthquakes, or damage caused by lack of routine maintenance are not covered. A replacement cost policy pays for the repair or replacement of damaged property with materials of similar kind and quality.

Call 800.601.7829 to save money on your insurance today. We help businesses and families save on their home insurance plans in Clemmons, NC. Don’t hesitate to contact us, as our specialists look forward to helping your family protect what is most important.