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Homeowners Insurance Information
Protecting Residences Across Hendersonville, NC and Beyond
As a homeowner, you have a lot of worries when it comes to protecting your home and everything in it. One bad storm or disaster could see you facing thousands of dollars in repairs, which is why Keep your peace of mind with a homeowners’ insurance policy from the experienced agents at Barnette and Coates Insurance, who provide coverage to individuals and families in Hendersonville, Asheville, Fletcher, Saluda and surrounding communities.
Why Do You Need Good Home Insurance?
An unfortunate truth of life is that things can go wrong that are completely out of your control. In the case of home ownership, you can be affected by such calamities as break-ins, destructive weather and accidents (such as someone getting injured on your property).
Here are some issues a secure home insurance policy can protect you and your family against:
Accidental water damage
Burglary, theft, vandalism and break-in damage
Fire and smoke
Frozen pipes or plumbing
Snow or ice damage
Water damage from water heaters or cooling systems/appliances
Windstorms and hailstorms
What Kind of Home Insurance Coverage Do You Need?
Home insurance can encompass many facets, including property insurance, homeowners liability insurance, ordinance or law coverage, home sharing coverage and scheduled personal property insurance.
A basic home insurance policy should include:
Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures.
Personal Belongings Coverage: Personal belongings coverage provides compensation for damages to your personal items such as furniture, decorations, clothes, electronics, etc.
Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your property.
Additional Living Expenses: Additional living expenses (ALE) help with costs related to temporarily moving if the home is rendered uninhabitable by a disaster.
Everyone’s home insurance needs are different, so it is important to understand every aspect of your home and your belongings as well as the dangers your specific state poses. In order to determine what kind of home insurance works best for your circumstances, consult an agent at Barnette and Coates Insurance today.
Protect Your Home with the Right Policy
By getting proper home insurance coverage, you are setting a key financial asset of yours up for success. Don't risk letting unpredictable forces or a costly mistake hurt the life you have built.
We offer several forms of coverage to suit various situations. Barnette and Coates Insurance will build a policy shaped around your home’s coverage needs. Request a quote or contact us to get started and learn what a tailored home insurance policy can do for you.
Our Home Insurance coverage options include:
Common Homeowners Insurance Questions:
What is home insurance?
Your home represents one of the most important and expensive investments that you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.
You never know when a hazardous event—a house fire, break in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. You will want to make the necessary repairs to your property without a huge financial strain, however. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg.
What does home insurance cover?
Homeowners insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include:
Plus, because your home is unique, you can further tailor your benefits with more unique options like:
We will always customize your plan to your advantage by helping you tailor your deductibles and overall coverage limits.
Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
How much home insurance do I have to buy?
Most mortgage lenders require homebuyers to purchase homeowners insurance before they will approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.
Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package.
What does home insurance cost?
Multiple factors could influence the cost of your home insurance, including:
Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford.
The value of the home
The home’s location
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