North Carolina Home Insurance
No one wants to think of the unthinkable
That's why having the right coverage in place is very important, and having an experienced agent in your corner is a necessity!
If you live on the coast in eastern North Carolina, it's even more important. We know all too well the havoc hurricanes, tornados and bad storms cause to our community, and we're here to serve you in your time of need.
Call us today!
Call us today for a free no obligation quote! We'll find you the most affordable coverage possible, with the best protection we have available.
What Does Homeowners Insurance Cover?
A Cold Mountain Insurance representative can help you determine the best coverage for your needs!
Your homeowners insurance protects your home and personal belongings during a catastrophe such as a fire or weather event. In addition, the policy can provide coverage for injuries that occur on your property and lawsuits against you. Most home policies include coverage for:
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss
- Your personal liability or legal fees
- Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your coverage and limits to meet your needs. Your homeowners insurance policy can include many coverage options to help ensure your home and assets are appropriately protected.
CUSTOMIZE YOUR PLAN - Pay for what you want!
Water and Sewer Backup
Water and Sewer Backup insurance is a type of insurance that covers damage caused by water backing up into a home from a sewer, drain or due to a sump pump failure.
Personal Injury Protection
Personal Injury Protection provides coverage for OTHER THAN bodily injury or property damage. This includes false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; slander; libel; and invasion of privacy.
This is more of a mental or psychological based coverage. An example would be your child makes a harsh remark to a classmate and they mentally hurt them. or you deny renting a property to some one because of their race.
Scheduled Property
Scheduled personal property coverage is an optional add-on to your homeowners insurance policy that provides coverage for a greater number of risks and may increase the coverage limits on specific, high-value items.
Here are some belongings you might want to consider for scheduled personal property coverage:
- Jewelry and furs
- Art and antiques
- Stamp or coin collections
- Firearms
- Musical instruments
- Expensive cameras
To get the items scheduled, you typically need to provide your insurance company with a recent receipt or a professional appraisal.
Service Line Coverage
Service line coverage, also known as buried utility lines coverage, is an endorsement that can be added to many home insurance policies to cover the cost of repairing or replacing a broken utility line running into your home. Your coverage limit for a damaged service line is often up to $10,000 and may include a deductible.
Home Systems Protection
Home Systems Protection covers a wide range of critical systems, appliances and electronics. Warranties and service contracts may offer limited coverage for a year or two, but Home Systems Protection provides additional insurance so that you are covered for unexpected mechanical or electrical breakdowns that may occur after the manufacturer's warranty expires.
Don't forget FLOOD INSURANCE!
Two Types of Coverage
When it comes to flood insurance, there are two options to choose from. NFIP flood governed by FEMA, and Private Flood Insurance.
PRIVATE FLOOD
Beyond Floods' private flood insurance policy offers excellent coverage for a variety of homes.
Beyond Floods is Simplified flood insurance, customizable to your needs. It offer flexible payment plans, are lender accepted and little or no waiting period to take effect!
Beyond Floods makes it easy to get flood insurance. Depending on where you live, you may be able to get coverage in less than a week.
NFIP FLOOD
The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede.
Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.
