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Alcock Insurance & Risk Management Services, LLC

3105 Evans St Unit E
Greenville, NC 27834

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Home Insurance in North Carolina and Virginia

A homeowner's insurance policy protects your home and personal property against loss or damage. This policy provides cover in case someone is hurt while on your property. Home insurance offers coverage on named perils in your policy document, including fire, lightning, smoke, vandalism, explosion, and civil commotion.

Purchasing home insurance in an authorized insurance company in North Carolina or Virginia will cover accidents that occur on your property, therefore cushioning you financially in paying expensive medical bills or lawsuits. This policy is not mandatory, but your lender may require you to insure the home to protect its investment if you have a mortgage.

It's imperative to know that a standard home insurance policy does not cover floods; a separate coverage will be required to cover this peril. Home insurance policies come in several types; therefore, it's worth establishing their difference because some provide more comprehensive coverages than others. Are you a homeowner in North Carolina or Virginia and you would like to purchase home insurance coverage that will protect you against financial loss due to theft, disasters, and accidents? Visit us at Alcock Insurance & Risk Management Services LLC and get more detailed information from our reputable agents about home insurance.

Types of insurance coverage.

Dwelling coverage: This coverage pays for the cost of rebuilding and repairing your home if it is destroyed by perils stated in your policy document. Dwelling policy extends coverage to your home floors, plumbing, roofing, foundation, cabinetry, and water heaters.

Other structure coverage: Other than providing protection, it pays to rebuild or repair structures separately detached from your home like a garage, shed, fence, or guest house.

Personal property coverage: This policy covers your personal belongings, whether inside or outside your dwelling. In case your personal belongings are stolen at your home or hotel room, this loss is covered.

Additional living expenses/loss of use: This policy provision covers temporarily other expenses like hotel bills when a disaster strikes, and your house becomes uninhabitable.

Personal liability coverage: This type of homeowner policy pays for medical bills, lost wages, and legal fees for causing injuries to people arising from your responsibility. This compensation can also cater to dog bites or a guest when he/she slips and falls, injuring himself on your property.

Medical payment coverage: This policy provides coverage for the cost associated with emergency medical bills if someone is injured on your property regardless of who is liable for the accident.

Factors that influence your home insurance premium rates.

  • Replacement cost.
  • Marital status.
  • Proximity to the fire station.
  • Credit history.
  • Claims history.
  • Insurance score
  • Deductible.

Feel free to contact us or visit our offices at Alcock Insurance & Risk Management Services LLC today, and start your insurance journey with us. You can also use our online rating tool to get an instant quote online!

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