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Pethel Insurance Group

2622 Dale Earnhardt Blvd
Kannapolis, NC 28083

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Questions you should ask an insurance agent when shopping for home insurance

Are you a lucky homeowner residing in Kannapolis, NC or any other town in the state of North Carolina? Searching for home insurance to protect your valuable investment but do not know where to begin? Here is a list of the most important questions you should ask an insurance agent when shopping for this type of insurance:

Do I Have To Purchase Home Insurance?

In North Carolina, home insurance is not mandatory. However, a mortgage lender may require homebuyers to get it first. You can decide for yourself whether you want to spend money on home insurance or not. Just keep in mind that it is very risky to own a home without insurance because you never know what might happen. 

What Is Typically Covered By Standard Home Insurance?

Usually, standard insurance will compensate homeowners if lightning, storm, vandalism, hail, or any other unpredictable and unfortunate situation causes damage to their home. A home insurance policy also usually covers the loss of personal belongings. 

Do I Need To Have Separate Coverage For Earthquakes And Floods?

Unfortunately, standard home insurance policies do not cover flooding and earthquakes. So, the answer is yes – you will have to get separate coverage for these situations. Analyze the area you live and decide whether earthquake and flood insurance is really necessary. 

Schedule A Consultation Today

Home insurance is not a luxury and is not a waste of money – it is the most efficient way to protect your home and personal belongings. If you are a lucky homeowner residing in the greater Kannapolis, NC region and you are looking for home insurance, Pethel Insurance Group is here to offer you help. At Pethel Insurance Group, we are ready to find a policy for that will satisfy your needs. All you need to do is to give us a call today to have protection tomorrow!