Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Raleigh and Cary, NC
Since 1949, Vic Fisher Insurance has been trusted by thousands of North Carolinians to find the insurance solutions that keep them secure in all aspects of their lives. It’s our personal touch that allows us to offer only the best coverage options, at the best value, for every client.
North Carolinians who are looking for quality homeowners insurance benefits can rely on our expert team to help them find the perfect coverage solutions. We keep both protection and value in mind when helping you customize your coverage to your advantage, and you can rest assured that your home will be protected against all the most concerning loss risks that threaten.
Common Homeowners Insurance Questions
Why do I Need Homeowners Insurance?
Think of how much value is wrapped up in your home; it’s probably quite a lot of money. But, though it might not seem obvious, there is the ever-present risk that something could go wrong in your home. When it does, it could cause significant financial hardship for all of those involved.
Homeowners insurance will ensure that you can receive financial support throughout your recovery. It’s there to bear many of these costs on your behalf, rather than forcing you to pay out of pocket.
What Does Homeowners Insurance Cover? (And Not Cover?)
Your homeowners insurance policy will cover numerous unexpected, unavoidable financial challenges and property damage arising in your home. These might stem from hazards like:
Severe weather and hail
Theft of possessions
Please Note: Flood insurance must be purchased separately from homeowners insurance.
What Are The Different Types of Homeowners Insurance?
There are eight types of homeowners insurance (HO-1 – HO-8) and each is designed to apply to different properties, including high-value homes, condominiums, rental homes and mobile homes. Each will offer different combinations of the following benefits to each customer:
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
You will also often need more specific policy endorsements and supplementary coverage to round out your benefits, such as:
Scheduled items riders
Replacement cost value possessions coverage
Umbrella liability insurance
Earthquake and windstorm endorsements
How Much Homeowners Insurance Does a Lender Require?
Most mortgage lenders will require all loan applicants to carry home insurance before they can receive approval for financing. Generally, mortgage holders will have to carry coverage that matches the replacement cost value of the dwelling, which equals the cost necessary to rebuild your home entirely from a total loss.
With the help of our agents, you can rest assured that you will get the appropriate benefits to meet all lender requirements.