Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Pilot Mountain, NC and Mount Airy, NC
PROTECT YOUR HOME AND EVERYTHING IN IT.
A home is not only an investment, but a place of relaxation and peace. After working so hard to purchase your home, you should be able to enjoy it without constantly worrying about a disaster causing you heavy financial loss.
The insurance professionals at Simmons Insurance Agency are dedicated to connecting you with a home insurance policy that is tailored for your insurance needs and your budget.
Home Insurance Coverages to Consider
A basic home insurance policy generally includes:
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Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and more. Unattached structures can also be included.
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Personal Belongings Coverage: Personal belongings coverage provides compensation if your personal items are lost, damaged or destroyed due to fire, lightning, smoke, theft, vandalism and more. You can also purchase additional policy floaters if you need extra coverage for expensive items such as jewelry, art and furs.
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Personal Liability: Personal general liability covers accidents that occur on your property that cause bodily injury or property damage to someone else. For example, if one of your guests falls down the stairs and hits their head, this insurance can help with their medical bills and protect you from a lawsuit. Liability insurance can also cover damages and injuries caused by your pets, such as if you have dogs with destructive tendencies.
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Additional Living Expenses: Additional living expense coverage provides monetary assistance if you have to temporarily move after the home is rendered uninhabitable by a disaster.
Other types of home insurance options we offer include:
Is Home Insurance Required?
While home insurance is not required by federal or state law, it is required by most lenders. Even without a requirement, home insurance is critical to keep your home and your family safe in case of an accident or disaster. A bad storm can cause extensive damage to your home. Home insurance will help you repair the damages without missing a beat, so you can focus on what matters most in your life.
Protect Your Home Today
With an individualized policy with proper limits and affordable premiums, you can relax knowing that your home is covered. Call Simmons Insurance Agency at (336) 368-5204 with any questions you may have or fill out an online quote form to get started.
Common Home Insurance Questions
What Does Home Insurance Not Cover?
Basic home insurance policies generally exclude coverage for damages caused by flooding and earthquakes. Some insurance providers also have limitations on certain dog breeds that can be covered under liability insurance. Be sure to speak with an insurance agent about your home insurance needs today.
How Much Home Insurance Do I Need?
In general, you should have at least 80% of your home’s total replacement cost value in home insurance. Having less than this amount can leave gaps in your coverage when it comes to filing an insurance claim. Your insurance needs may be different than your neighbor’s, so speak with an insurance agent about your unique home insurance needs.
How Much Should Homeowners Insurance Cost Per Month?
On average, homeowners insurance costs around $100.91 per month. This depends on several different factors, however, such as your location, the value of your home, credit score, claims history, coverage limits and more. Ask a Simmons Insurance Agency agent about how you can save on home insurance today.
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