Home Insurance: Let Your Home Be a Place for Peace of Mind
Your home represents your hard work and exists as a place of peace for you and your family. Keep it and all your belongings within it protected with a home insurance policy. At Superior Insurance – Travis McCray Agency, we work closely with our clients to understand their needs. With many years serving clients in Charlotte, Greenville, Concord, and surrounding North Carolina, we can anticipate coverage needs that you may not expect. We have home insurance coverage for homeowners, condo owners and renters alike. Let us help you explore competitive rate policies with top national carriers. Contact an agent today with any questions or to begin a free quote.
When it comes to home insurance, there are several divisions to consider. Homeowners insurance, condo insurance and renter’s insurance each provide unique coverage specifics and varied rates.
Whether you own your home outright or have mortgage, you need a homeowners policy. In the simplest of terms, homeowners insurance covers the structure and built-in components of your home, the contents within your home, and you and your family if someone is injured on your property or because of your actions.
- Dwelling coverage, or dwelling insurance, is the part of your policy that covers the physical structure of your home. This protects you against certain natural disasters like hail or wind damage and against other events such as fire or vandalism. In addition to structures like your wall, ceilings and foundation, dwelling coverage covers some installed appliances and systems such as plumbing.
- Contents coverage protects damage to your personal belongings, usually in the same vents covered by dwelling insurance. This means damage or loss to your clothing, jewelry, electronics, appliances, and other specified items damaged from fire, vandalism, etc. Contents coverage requires careful record of all that you want protected; a process our agents can guide you through.
- Personal liability coverage protects you when someone is injured on your property (or because of you or a family member’s actions off your property). It also reimburses the cost of damage to their property and can provide coverage for legal representation if you are sued. If someone falls on your property and is injured, for example, personal liability kicks in to cover the cost of medical expenses, up to your limits.
It is important to note that homeowners policy is not one size fits all, nor does it provide coverage for all types of incidents. It typically does not cover certain long-term medical costs, for example, from your personal liability, and it does not include flood insurance, which is a separate policy.
Condo insurance is a smart investment if you live in a condo within a complex. While your condo association likely carries coverage for common areas within your building and may provide coverage for the structure of your condo itself, you may not be fully protecting. We can create a contents coverage and personal liability policy to cover the loss of any of your belongings in an unexpected event and to protect you if you are personally liable for property damage or injury to another.
Much like condo insurance, renters insurance is designed to protect you and the belongings held within your rented home or apartment. Renters insurance is very affordable with great coverage limits. While you may not be responsible for the home you rent, you can protect all your valuable property within it.
An Agent and a Friend
When it comes to home insurance, working with a qualified agent can make a world of difference. When it comes to protecting your home, your belongings and your family, nothing is more important. Let a home insurance professional at Superior Insurance – Travis McCray Agency detail different policy choices for your unique needs. We serve clients in Charlotte, Greenville, Concord, and surrounding SC neighborhoods, so don’t wait to get protected any longer! Contact us to get started.