Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
The real estate market in coastal North Carolina is an extremely competitive industry, and properties can range from the standard family home to multi-million-dollar vacation homes. No matter what the size or cost of the home, it’s imperative that you protect it with customized homeowners insurance.
If you are looking for an insurance agency that knows what it is talking about when it comes to homeowners insurance for eastern North Carolinians, then Weatherly Insurance is your answer. We know all the ins, outs and specialty protection that quality home insurance can provide any policyholder. We’ll help you design your benefits so that they can protect you in all ways, at all times.
If you are ready to get a quote, then there are numerous easy ways to get in touch with us:
Common Home Insurance Questions
What Does Home Insurance Cover?
The reason you need home insurance is simple: Your policy will help you pay for the ramifications of costly, unexpected accidents within the home. Common threats that you might face include:
- Damage to your dwelling from fires, vandalism or severe weather.
- Loss of or damage to your possessions from theft or other hazards.
- Lawsuits from someone who got hurt in your home.
All of these incidents could be costly and extremely frustrating. You need to have the reassurance that you will be able to financially recover from these perils and make the repairs necessary to get the property back to normal. That’s the job of your home insurance. By filing a claim on your plan, you will be able to recover from these hazards without having to dig deep into your own pocket.
How Much Home Insurance Do I Need?
Homeowners insurance policies can vary considerably. Every property owner is unique, after all.
Our policies cater to homeowners of all shapes and sizes, including high-value homeowners, landlords, condo owners, mobile homeowners and renters. You have our promise that we will be able to provide you with optimized protection in all circumstances.
Some of the critical coverage you must carry include:
- Dwelling Insurance
- Other Structures Coverage
- Possessions Insurance
- Liability Insurance
- Accidental Medical Payments
- Loss of Use Insurance
There are numerous ways that you might be able to adapt and augment your policy to your advantage. Expanded perks to ask your agent about include:
- Replacement Cost Contents Insurance
- Scheduled Items Riders
- Equipment Breakdown Coverage
- Sewer Backup Coverage Endorsements
A Special Note on Windstorm and Flood Insurance
Because of the hurricane threat in our region, you might have to buy a separate windstorm insurance policy to receive coverage against named storm damage. The North Carolina Insurance Underwriting Association underwrites many of these benefits.
Additionally, flood insurance is not available in most homeowners policies, and instead must be purchased separately through a policy underwritten by the National Flood Insurance Program (NFIP).
Your Weatherly Insurance agent is happy to work with you to determine the ways to add these critical benefits into your homeowners insurance portfolio.
When Should I Buy Home Insurance?
You generally must buy homeowners insurance before you can close on a home purchase. Most mortgage lenders require buyers to carry a policy for the duration of their loans, and your loan application might be denied if you do not obtain a policy. In the end, buying coverage early will ensure that you have protection from the moment you move into your home.
What Should My Home Insurance Cost?
The cost of all homeowners policies vary based on numerous risk factors. However, we understand that you want to be cost-conscious when choosing your coverage.
With our help, you’ll be able to compare numerous policies offered by top-rated carriers from across the nation. You’ll be able to pinpoint the plan that is both most effective and most affordable for you. You can rely on our team members to help you understand the full scope of your benefits so that you can always feel assured that you have the right policy in place.