Home Insurance in Hickory, NC
At Davis Insurance Group, we believe that insuring your home is a must. Whether you’re a first-time buyer or looking to assess your current coverage, our team is dedicated to helping you find suitable coverage at a competitive price.
Understanding Home Insurance Coverage
Typical home insurance policies offer the following:
- Additional living expenses coverage can help pay for your meals and temporary accommodations if a covered event damages your home, rendering it temporarily uninhabitable.
- Dwelling coverage can help pay for the repair or reconstruction of your home if it’s damaged by covered events such as fire, windstorms, or vandalism.
- Liability coverage can cover expenses related to third-party claims of property damage or bodily injuries.
- Other structures coverage can help pay for the repair of detached structures such as garages, fences and sheds.
- Personal property coverage can shoulder the cost to repair or replace your belongings if stolen or damaged by a covered peril, up to policy limits.
How to Determine the Right Amount of Coverage
To ensure you’re fully covered, start by considering the cost of rebuilding your home if it is damaged by a covered event. Factors such as local construction costs, fixtures and any special materials or finishes should all be considered. Take inventory of your belongings by estimating the value of your furniture, electronics, clothing and other possessions. When considering your liability coverage, review your lifestyle and potential risks to determine the amount that is appropriate for your situation.
Why Choose Davis Insurance Group?
At Davis Insurance Group, our team can help you assess your risks and recommend a policy that aligns with your circumstances. Contact us today for a personalized, no-obligation quote.