Homeowners Insurance and Property Coverage for Western NC
Every homeowner deserves the security provided by quality homeowners insurance. It doesn’t matter if you are buying your first home, a vacation home or a property that you plan to rent; these properties need the coverage provided by a customized homeowners policy. It’s there to protect you, your property and your family against numerous hazards that might be exceptionally challenging and costly.
General Insurance Services of Asheville is the high country’s trusted home insurance provider. Our commitment to our community is what helps us deliver on the promise to deliver the high-quality, personalized home insurance benefits that every local homeowner needs. We’re committed to making it easy for you to find the perfect policy solutions for both your coverage needs and your budget.
Common Home Insurance Questions
How does home insurance work?
When you buy a home, you have an investment in that property. But if something comes along to damage the home or challenge your financial security, then you might worry about your ability to keep both the property and your finances safe and secure. Homeowners insurance will act as the solution to your concerns.
By helping you pay the costs of unexpected, unavoidable hazards on your property, home insurance lowers your personal burden for these issues. With it, you will still have the reassurance that you have help if a problem ever occurs on your property, and that’s a great feeling of security.
What does home insurance cover?
Your home might face damage from fires or severe weather. An uninvited guest might break in and still your belongings or vandalize the home. Someone might sue you over the fact that they got hurt on your property, or because you damaged your belongings. A properly designed homeowners insurance policy can help you cover the results of challenges like these by providing benefits like:
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 both 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.
Plus, you can customize your policy further with other benefits like:
Most mortgage lenders require their loan applicants to buy a policy before they can finalize the deal. However, even if you have no requirement to buy coverage, you still can benefit from this essential piece of financial protection.
How much home insurance do I need?
Every homeowner is different, which is why everyone needs different types and amounts of homeowners insurance. You will want enough coverage to help you fully rebuild your home, repair or replace damaged property, or settle the costs of liability suits without having to spend incalculable amounts of personal money.
Whether you own a high-value home, condominium, mobile home, rental property or vacation home, our expert agents know how to guide you through the process of choosing the perfect homeowners coverage. From start to finish, we will make sure your policy contains the coverage limits, deductibles and special endorsements that will provide optimized benefits at all times.
How much will homeowners insurance cost?
We know that cost is important to you when it comes to choosing home insurance. That’s why we’ll search our network of trusted carriers to help you locate the one that offers you the coverage you need at a value that’s right for your budget. Additionally, we’ll make sure to apply all qualifying discounts to your chosen coverage so that you can maximize your savings potential.