QUESTIONS? CALL: (919) 872-8828 HOURS: M-F 9-5, SAT CLOSED, SUN CLOSED

Homeowners Insurance For Your North Carolina Home

We know that finding the right insurance coverage at the best price can be difficult.

Don’t waste hours online or on the phone – let us do the work for you!

Looking for the right homeowners’ insurance policy for North Carolina? With Insurance Doctor, it’s only a couple of clicks away! Our insurance experts compare rates from the nation’s leading carriers to find the best coverage for you and your family.

Your North Carolina home is one of the biggest investments you’ll ever make. It’s of the utmost importance to keep it protected, but finding the homeowners’ insurance policy that best fits your needs can feel like a real chore. That’s where Insurance Doctor comes in! We do the heavy lifting so that you can find the right coverage at the best possible price.

Not All Insurance Policies Are Made For Your Area

As convenient as getting a quick quote can be, it often isn’t worth the time you save. When you shop for insurance online, you’ll find that many carriers offer one-size-fits-all policies. The truth is that your policy needs to be tailored to your needs, particularly where you live.

Here in North Carolina, we’re no stranger to harsh weather. If you live in an area that’s prone to hurricanes, tornadoes, or floods, it’s a good idea to make sure your policy covers those things. At Insurance Doctor of Raleigh, we’ll help you determine what kind of coverage you need and find you a policy that keeps you safe.

Frequently Asked Questions

That depends on a number of factors, including your home’s value, the cost of your personal belongings, and how much it would cost to rebuild your home. A good rule of thumb is to have enough dwelling coverage – also known as the replacement cost – to rebuild your home if it’s destroyed. 

In order to determine the replacement cost of your home, you’ll need to know the current cost per square foot to build a home in your area. Your Insurance Doctor team can help you figure that out. We’ll also provide you with a personalized quote for personal property and liability coverage.

That depends on what you need. We know that all homeowners have different needs and requirements, so we offer coverage that fits your individual circumstances.

  • Our comprehensive homeowners’ insurance provides coverage for a range of accidents and emergencies, including fire, lightning, windstorms, hail, explosions, smoke, vandalism, and theft. We can also help cover temporary housing expenses if a covered loss makes your home uninhabitable.
  • Beyond property damage coverage, we also provide personal property coverage for your belongings. This includes items such as furniture, electronics, jewelry, artwork, collectibles, tools, and firearms.
  • If someone is accidentally injured on your property and you are legally liable, our liability coverage can help pay for their medical expenses and legal fees.

Contact a Insurance Doctor agent today to explore all of your coverage options.

Your mortgage lender will likely require you to get it before you can close since it protects both you and your lender in the event of a loss. As soon as you start the homebuying process, reach out to us. We can help you understand the different types of homeowners’ insurance coverage and find the best policy for your North Carolina home. 

To learn more about the factors that go into determining the right homeowners’ insurance policy for you, give us a call! We’ll be happy to walk you through it.

Put simply, a deductible is the amount of money you’ll have to pay out of pocket before your insurance company starts covering expenses. A lower deductible means you’ll pay less in the event of a claim, but your insurance premiums will be higher. On the other hand, a higher deductible will lower your premium, but you’ll have to pay more out of pocket when filing a claim. It’s important to choose a deductible that is affordable for you while also providing you with the coverage you need. 

GET YOUR ONLINE QUOTE TODAY!

Or call us at (919) 872-8828

TOP