Homeowners

Everett Insurance Brokers

Homeowners

Homeowners Quote

Homeowners

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Finding the right homeowners insurance is an important decision. We will describe our policies on this page.

Here we will list and describe available policies, for example:

HO-2: Basic policy
A Homeowner Broad Form policy provides protection against all 16 disasters. There is a version of HO-2 designed for mobile homes.

HO-3: The most popular policy
A Homeowner Special Form policy protects your home on an open perils basis except those specifically excluded.

HO-4: The Renter policy
A Homeowner Contents Broad Form policy provide coverage for your personal property located in rental property that you occupy.

HO-6: The Condominium policy
A Homeowner Unit-Owner Form policy provide limited coverage for property damage to wall, floor and ceiling. The majority of coverage in contents.

HO-8: Older home
A Homeowner Modified Coverage Form policy designed for older homes, this policy usually reimburses you for damage on an actual cash value basis which means replacement cost less depreciation. Full replacement cost policies may not be available for some older homes.

* For Discount - Combine Homeowners and Auto Insurance Coverage Under One Carrier

Your Neighborhood Insurance Agency

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Our homeowners policies cover losses to your home, minus your deductible. Your personal belongings are also protected by many of our homeowners policies. These policies provide coverage for damage caused by the most common types of losses, such as fire and storms.

For more information or a free quote please call: (919) 234-2596 or (919) 439-4567

Everett Insurance Brokers, Inc. *Two Convenient Locations in Cary North Carolina*