Home Insurance in Belmont, NC

Home insurance is a crucial part of owning a home. At Stowe Insurance, we help you find coverage that fits your property and needs.

What Does Home Insurance Cover?

Home insurance, also known as homeowners insurance, can help cover financial losses from a range of risks. A standard policy typically includes:

Liability coverage may assist if you’re at fault for third-party bodily injuries or if you accidentally cause damage to someone else’s property.
Personal property coverage may cover your belongings, including furniture, electronics, and clothing, if they are stolen or damaged.
Dwelling coverage can help pay to repair or rebuild your home if it’s damaged by covered events such as fire, windstorms, or vandalism.
Other structures coverage can extend financial protection to outlying buildings on your property, such as detached garages, sheds and gazebos.
Additional living expenses coverage may cover extra costs if you need to live elsewhere while your home is being repaired after a covered loss.

Who Should Get This Policy?

First-time buyers and long-time homeowners alike can benefit from having homeowners insurance. Although insurance is not typically required by law in North Carolina, carrying a policy can be a requirement set by most mortgage lenders.

What Factors Can Affect My Policy Rates?

Several factors can influence your rates, including:

The age and condition of your home
Its location
The value of your personal property
Your chosen coverage limits and deductibles

How Do I File a Claim?

If you find yourself needing to file a claim against your home insurance policy, you should generally be prepared to take the following steps:

Contact your insurance provider: Notify your insurer as soon as possible after a loss.
Document the damage: Take photos or videos of the affected areas and items.
Complete claim forms: Fill out any required paperwork provided by your insurer.
Meet with an adjuster: Cooperate with the insurance adjuster during their inspection.
Track repairs and expenses: Keep records of all repair work and related costs.

Get Home Insurance Near You

Contact Stowe Insurance today to get a free personalized quote.