Southeastern Insurance can write most lines of personal and commercial insurance in North Carolina. We have families and businesses save money and get the most coverage possible. If you are in search of homeowners insurance in Raleigh, NC you are definitely in the right place. Home insurance is vital and you need enough to cover the rebuilding of your home if something ever did happen to it. The cost of rebuilding could be significantly more or sometimes less than the original purchase price.
Four things are crucial and absolutely need to be covered under you homeowners insurance:
- The structure of your home
- Any personal possessions you have
- Liability to others
- Cost of living expenses that are additional
If you are getting a mortgage, most banks will make homeowners insurance a mandatory purchase. If the limit of y our home insurance policy is based on simply your mortgage, you might want to ensure that it least covers your rebuilding cost. Consider these factors into the cost of rebuilding a home: local construction prices, the size of your home in square feet, type of roof and materials used, the numbers of rooms you have and if anything was custom built.
Standard homeowners insurance policies provide coverage for disasters. Most of those disasters include fire, lightning, hail and explosions. Policies also cover theft. However, keep in mind that floods and earthquakes are not covered. You would need additional coverage for things you may want covered that are not on standard policies.
If you want to learn more about how you can protect your family and the things that you value in your home, including your home, give us a call today at 800.601.7829. If you live in Raleigh, NC and are search for better rates or simply have an inquiry, now is the time to call Southeastern Insurance. Our representatives will be more than happy to help you and provide you what you need.