Home insurance in Charlotte NC policies are made to protect you, your home and its contents. A general home insurance policy comes with:
- Dwelling Coverage: This helps pay for damages done to the actual house and its attached structures — such as a garage — as a result of covered incidents. Covered incidents generally include fire, hail, windstorms, lightning, vandalism and theft.
- General Liability: This helps pay medical expenses or damages if you cause bodily injury or property damage to someone else.
- Personal Belongings Coverage: Also known as personal property coverage, personal belongings coverage offers either replacement value or cash value for items lost or damaged due to a covered incident. It covers furniture, clothes and more. But it won’t necessarily cover expensive jewelry or art. This coverage also applies to items off the property.
- Additional Living Expenses: If a disaster sweeps in, additional living expenses helps if you must temporarily live somewhere else.
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How Are North Carolina Home Insurance Premiums Determined?
Several factors are considered when insurance providers decide on the cost of a home insurance policy. When assigning premiums, insurance companies look at things like building costs in the area, the size of the home, and the year it was built, as well as crime rates and other statistics for the area. Even your credit score will be evaluated.
A higher likelihood of floods, tornadoes, earthquakes, and other natural disasters can also contribute to the cost of insurance premiums. Locations that are more prone to natural disasters are likely to see more expensive insurance premiums, since premiums represent the risk a provider takes on by insuring your property.
Additional property characteristics, like swimming pools and guest homes, will also affect insurance premiums. Fortunately, installing home and property protection devices like motion-sensor lights, security systems, and surveillance cameras can lower your homeowners insurance rates in many cases.
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