Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners Across North Carolina
Your home should be the safest place possible for your family. It should be somewhere you can go at the end of a long day and feel at peace. The last thing your home should do is give you more stress—but unfortunately, this happens more often than not. Many homeowners live in fear that a single bad storm could lose them thousands of dollars in irreparable damage.
James Epps Insurance provides fantastic customer service and dedicated work to find you a home insurance policy
that gives you and your family a peace of mind.
What Does 80% Mean for Home Insurance?
When you look to purchase a home insurance policy, you will likely come across the 80% rule in home insurance. This rule references how much coverage you should carry for your home based on the home’s total replacement cost value. When you purchase home insurance, it is recommended that you purchase at least 80% of your home’s total replacement cost value in order to make sure you have coverage when it comes time to file a claim. Carrying less than this amount can leave gaps in your coverage that could mean you pay more out of pocket than expected.
Your home’s total replacement cost value is not the same as its market value. Instead, the total replacement cost value of your home is how much it would cost to completely rebuild the home after a disaster, including material and labor costs.
What Home Insurance Coverage Do I Need?
A basic home insurance policy should include:
Dwelling Coverage: Dwelling coverage under home insurance covers the house and its attached structures in case of loss or damage due to fire, wind, hail, lightning, smoke, explosions, falling objects, theft, vandalism and more.
Personal Belongings Coverage: Personal belongings coverage covers your items in case of loss or damage due to fire, wind, lightning, smoke, theft, vandalism and more.
Personal Liability: Personal liability insurance covers expenses related to bodily injury and property damage someone else may suffer on your property. If someone falls down your stairs, for example, liability insurance will help pay for their medical expenses as well as protect you against a lawsuit.
There are additional coverages available depending on your insurance needs. You can buy policy floaters for expensive items like jewelry, furs and art for additional coverages. If you’re not sure how much insurance you need, speak with a James Epps Insurance agent today!
Insure with James Epps Insurance
Protect your home with a reliable home insurance policy at an affordable price. Call James Epps Insurance today at (919) 554-0475
or fill out an online quote form
now to get started!
Common Home Insurance Questions
How Far in Advance Can I Buy Home Insurance?
You can purchase home insurance before you step foot inside your new home. In fact, you should have a home insurance policy
in place by the time you sign the paperwork to make sure you’re covered from the very beginning.
How Many Home Insurance Claims Can You Make?
There is no set number of claims you can make. However, three or more claims in a three-year period often sends up a red flag to insurers, and too many claims in a short amount of time can lead to a cancelled policy.
How Much Home Insurance Coverage Do I Need?
It is recommended that you carry at least 80% of your home’s total replacement cost value in home insurance.
Have questions about your home’s value or your coverage needs? Call James Epps Insurance today at (919) 554-0475.
Why is Home Insurance Necessary?
Home insurance is critical to protect you and your home. One bad storm or disaster could cost you thousands of dollars out of pocket without a home insurance policy
in place. A home insurance policy allows you to pay for expensive damages without missing a beat.
How Often Does Homeowners Insurance Go Up?
may go up each year, but certain circumstances can raise or lower your rates. Upgrades to your home, filing a claim, and changes in your area can all affect the cost of your home insurance.