Homeowners Insurance Quote Forms
Compare & Save Big on Your Home Insurance
We are a premier home owners insurance agent, helping you buy the right plan for your needs. We shop – You save!
If you are looking for affordable homeowners insurance rates in Charlotte, NC, you have come to the right place. At The Jordan Insurance Agency, we help protect your biggest asset – your home. We have a broad network of top-rated insurance companies in North Carolina, bringing you wide-ranging options within one roof. With us, you can say goodbye to shopping around for the cheapest homeowners insurance rate in Charlotte. We can help you find the best coverage for your home at a price that does not burn your pocket.
What is Covered in Our Homeowners Insurance Policy?
Whether you are a proud owner of your beautiful home or a real estate investor Charlotte with multiple properties in your portfolio, we have you covered. We will compare a wide range of homeowners insurance plans and choose the right one that provides maximum coverage. Typically, a homeowners insurance will have the following covered in your plan:
Your homeowners insurance plan will cover the actual property, i.e. your home and all other components that it is built of. These include windows, roof, flooring, countertops, and siding. Since it encompasses your “home,” we ensure that the coverage amount is equivalent or little more than the total value of your home.
Through this coverage, you can cover your financial losses in the event of damages caused to personal belongings in your home. These include but are not limited to appliances, furniture, electronics, clothing, etc.
If you consider important, we can also help you get optimal coverage for other structures within your property. These may include your shed, fence, treehouse, etc. Typically, it covers up to 10% of the insurance plan’s dwelling limit.
If someone is injured on your property or someone else’s property is damaged due to yours, this part of your coverage will pay for third-party liability costs. These include third-party medical expenses, property damages, or cost of legal proceedings in case of a law suit.
Not sure how much coverage should you have for your homeowner’s insurance policy? Get in touch with our expert insurance agents today.
Should You Have a Homeowners Insurance?
Not Sure Why You Should Have a Homeowners Insurance? Here’s Why You Should Definitely Have One
Your home is perhaps one of the biggest investments you make in a lifetime. Having insurance can help cover for exponential financial losses you may incur in the following cases:
What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)