Homeowners Insurance in Asheville, NC
Insuring your home is one of the most important steps you can take as a homeowner or prospective buyer. While policy inclusions may vary depending on the insurer, a standard policy typically offers coverage for the following:
- Damage to your home and attached structures caused by certain weather events, fire, theft or vandalism
- Damage to detached structures such as garages and sheds
- Costs related to third-party claims of bodily injuries or property damage
- Your living expenses, such as food and lodging, if a covered risk renders your home uninhabitable and forces you to temporarily relocate
- The cost of repairing or replacing your personal belongings, such as appliances, clothes, furniture and electronics
Who Needs Homeowners Insurance in North Carolina?
While North Carolina law doesn’t require homeowners insurance, some lenders may ask for proof of a policy if your home is under a mortgage. Even if it’s not mandatory, having a policy can help you financially recover from unexpected losses.
How Much Does a Policy Cost?
Several factors can influence your homeowners insurance rate, including the age and condition of your home, its location, your deductible, claims history and the coverage limits you choose. Our agents will guide you through these considerations to ensure you have enough financial protection in place, at a competitive price.
Why Choose General Insurance Services?
As a local insurance agency, we understand the risks homeowners face in our region. We work closely with our clients to assess their coverage needs, compare options and find the policy that aligns with their circumstances. Contact General Insurance Services today for a quote.