Homeowners Insurance in Raleigh, NC

Home insurance is essential for homeowners because it can cover repairs and help you rebuild after unexpected events. Additionally, homeowners insurance can cover expenses for stolen belongings or injuries that occurred on your property.

What Does It Cover?

The following are common areas that homeowners insurance typically covers:

• The physical structure of your home

• Personal belongings

• Liability for bodily injuries or damage caused to others on your property

• Expenses for living arrangements if your home becomes uninhabitable due to a covered loss

Note that homeowners insurance is designed to cover unforeseen damage, not regular maintenance. Review coverage details with your agent to understand your policy’s inclusions and exclusions.

How Much Homeowners Insurance Should I Have?

It is recommended to have enough home insurance to cover the cost of rebuilding your home if it’s completely destroyed, replace your personal belongings and protect against liability if someone is injured on your property. You can determine this by estimating the rebuilding cost per square foot in your area, calculating the total value of your belongings and considering additional protection for high-risk items or circumstances. An insurance professional from Nobles Insurance Agency can help you get the right coverage based on your specific situation.

How Much Does It Cost?

Details vary between homeowners insurance companies, but common factors that impact homeowners insurance costs include the following:

• Location of your home

• Its age

• Construction materials used

• Your credit score

• Your claims history  

• Your deductibles

We’re Here to Help

The experts at Nobles Insurance Agency can help you find the best homeowners insurance for your needs. Contact us today for a custom homeowners insurance quote.