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Homeowner's Insurance

Homeowner's insurance protects you and your house against losses from fire, theft, liability, vandalism, water damage, wind damage, tornadoes, and loss of use. You can buy earthquake and flood insurance separately.

A standard policy requires coverage for at least 80% of the value of your home, excluding land and the foundation. It will usually insure your personal property at actual cash value.

A broad-form policy covers additional things like broken glass and smoke damage.

An all-risk policy covers even more. For example: ice-damaged roofs.

You can also purchase optional guaranteed replacement cost coverage. This will pay to rebuild your home and replace its contents with no depreciation.

Reducing Premiums - If cost is an issue, you can lower your premiums:

With discounts for smoke alarms, fire extinguishers, deadbolt locks, and whole-house alarm systems

With a higher deductible

By combining your auto and homeowner's policies

Be sure to discuss your options with your insurance agent. Chris Edwards has experience with insurance agents and can make a referral, just click here and ask Chris the name.

Chris Edwards Group RE/MAX United Raleigh-Cary 51 Kilmayne Dr., Ste. 100 Cary, NC 27511 Office: (919) 469-6540 Cell: (919) 244-0702 FAX: (919) 469-8444 Email: chris@chrisedwardsgroup.com