If you are like most people, when they purchased a home it was the largest investment that they had made in Cary, Chapel Hill, Durham, Morrisville, Raleigh, Wake Forest, or the surrounding area. With this large investment, both you and the lending institution want to protect that investment with home insurance. At Insurance Center of Durham, we have helped thousands of homeowners get the right home insurance so that they can rest easy that should something happen with their home, it will be made right without breaking the bank. Contact us today to have us review your current home insurance policy and shop the market for you as an independent agency.
What Does Home Insurance Protect?
Home insurance usually covers four areas of incidents: interior damage, exterior damage, loss or damage of personal assets/belongings, as well as injury that occurs while on the property. There are many different incidents that could fall under one or several of these areas, including a fire, a tree that falls on your home, burglary, a baseball through the window, and countless other events. Most people don’t have the amounts of money required to repair large damages to their homes, and that’s why home insurance is there, to help cover these large costs.
This can extend to other people that injure themselves on your property as well. Someone might trip and fall, injuring their arms or legs and requiring some medical attention. Your home insurance can help cover these medical treatments. And just as important to understand is what home insurance does not cover, which includes floods and earthquakes. Fortunately, there are separate insurances to cover these events if you desire.
Beyond Homeowners Insurance
For those that don’t have a home but instead rent in Cary, Chapel Hill, Durham, Morrisville, Raleigh, Wake Forest, and the surrounding areas, we also offer renters insurance. Just because you rent doesn’t mean that you shouldn’t protect your belongings. The landlord of the building will have insurance on the building itself, but not the contents. That’s where renters need to have their own policy to protect the things that they own, like their clothes, television, computer, and everything else.
The team at Insurance Center of Durham has been helping homeowners for more than 30 years to get the right homeowners insurance for their property. Sit down with us so that we can go over your needs, then let us shop the market to find you the right policy for your needs. Contact us today to get things started.