Home Insurance in North Carolina

Home insurance is not a one size fits all form of insurance. After all, the home you own is different from your neighbors or from the house across the street. And even if you live in a community in North Carolina that uses the same basic floor plan, your family dynamic is different, the position on your lot is different, and the friends your children have come over are different. This can result in broken windows from playing catch outside to additional flooding in the basement. All of this means you need to have home insurance that is made for you, your family, and your home. Choosing how to protect your home is important, and we are here to help.

Although North Carolina is known for hurricanes, it surprises many to learn that the majority of claims are for water damage for leaky air conditioners, roofs, water pipes, and water heaters rather than the dramatic effects of Mother Nature; in other words, the same things homeowners file for in any of the fifty states. For this reason, basic insurance policies in North Carolina consist of two parts:

• Property coverage which covers the dwelling itself and any other structures such as garages or sheds. It also covers personal or property such as furniture and belongings (with some exclusions).
• Personal Liability covers the owner should someone bring a lawsuit against them for bodily injuries or property damage suffered on the premises.

Our homeowner policies go beyond the standard coverage to provide you with uncommon protection tailored to close costly financial gaps. At Pethel Insurance Group in Kannapolis NC we are committed to helping you select the right protection based on your home, lifestyle, and financial needs. For example, you might benefit from additional coverage such as water backup protection, inland flooding, or equipment breakdown.

We have products designed to cover your home, mobile home, farm, apartment, and tenant dwelling from structural damage, damage to contents, and losses resulting from liability and medical payments. Talk with one of our professional agents to find out how you can reduce your insurance premiums by taking advantage of various discounts and bundling your home and auto insurance with our agency.

Whether you're investigating insurance for your first home purchase or seeking better rates than you're getting for your current policy, we invite you to come to Pethel Insurance Group for answers to all your questions. Give us a call today to schedule a time with one of our agents in Kannapolis, NC.