Home Insurance in North Carolina

Home insurance helps pay for damages related to your property and possessions. It’s a particularly important type of insurance for homeowners to have, and there are many different policies that different owners may need. Here are a few important points about home insurance in North Carolina that everyone should know before they make a policy decision!

Home Insurance Covers Common Perils

Home insurance is designed to cover specific “perils” or events that damage your property. That includes fires, theft, damage from windstorms, and so on. However, there are some catastrophic events that home insurance won’t cover: That includes earthquakes, landslides, and flooding. Homeowners insurance also won’t cover damage that occurs because of wear and tear, negligence, or similar problems.

There are Two Important Parts to Home Insurance

Home Insurance in North Carolina is divided into two sections. The first section covers your property and possessions. The second part, however, deals with liability. This part of the policy covers your liability if someone is injured on your property or because of negligence, etc.

Without these two parts are several subsections to deal with more specific coverage. For example, home insurance may be applied to your primary dwelling only, or to other structures on your property (for example, if a shed burns down). Likewise, liability is divided into personal liability and medical payments to other people.

Home Insurance May be Required

Home insurance is not necessarily required in the state, but you may still need it. Many lenders will require at least basic home insurance when providing a mortgage to purchase a house. If you are planning on getting a mortgage, you will probably need to get home insurance as well.

Do you have any further questions about home insurance? Brevard Insurance Agency Inc. would be happy to help you find the answers and pick the right insurance policy for your needs. We serve the Brevard, NC area: Contact us today for more information!


While our office is located in Brevard, NC, we serve clients in multiple cities around the area, such as Pisgah Forest, Connestee Falls, Lake Toxaway, Cedar Mountain, Mills River, Etowah, Rosman, Asheville, Arden, Hendersonville, and Fletcher. Please give us a call if you are in the surrounding area.