Home Owner’s Insurance

Your independent agent for home owner’s insurance in Fuquay-Varina, NC, helping you find the right protection for your residence, including coverage for property damage, liability, and personal belongings in the event of unexpected incidents or accidents.

Types of Home Insurance

Securing your home with insurance is a significant responsibility, and navigating the array of available homeowner insurance policies can be intricate. Home insurance comes in several types, each catering to specific needs: HO-1 offers basic coverage, HO-2 extends protection to additional perils, HO-3 is comprehensive coverage for the home’s structure and belongings, while HO-4 covers renters’ belongings and liability, and HO-5 provides extended coverage for both the home and possessions. Learn more about each type of coverage below.

HO-3 Special Form Policy

This homeowner’s insurance policy is one of the most all-inclusive of all single-family home policies. The HO-3 policy, which is most often purchased, includes protection from any peril aside from a few excluded ones. Exclusions can differ depending on the policy and should be researched accordingly.

HE-7/21 Enhance Form Policy

This homeowner’s insurance policy is the broadest homeowner policy form available in NC. The policy includes protection from any peril aside from the excluded ones for both your dwelling and contents plus provides increased limits for things such as money, theft or jewelry and watches and water backup. Primary mortgage expense is included when there is a covered loss and you are unable to reside in your home.

HO-4 Renter’s Insurance Policy

The HO-4 policy covers tenant property within their building, but not the building itself. the HO-4 insurance policy will typically cover the same perils as the HO-2 policy. Like with any policy though, it is important to consider all the coverages included in your homeowner’s insurance policy.

Under-Insured Driver Coverage

If you find yourself in a situation where the other driver’s fault leaves you with losses beyond their insurance limits, under-insured driver coverage steps in. This coverage assists in covering medical costs and, in certain cases, lost income and property damage. Although not mandated by most states, adding under-insured driver coverage to your policy is a prudent step to enhance your protection.

HO-6 Condominium Insurance Policy

Like the HO-4 Renter’s insurance policy, the HO-6 will cover an individual’s property within their condominium unit. Insurance for the actual building should be taken care of by the condominium association policy.

Home Owner’s Insurance

Types of Home Insurance

HO-3 Special Form Policy

HE-7/21 Enhance Form Policy

HO-4 Renter’s Insurance Policy

Under-Insured Driver Coverage

HO-6 Condominium Insurance Policy

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