Homeowners Insurance Quote Forms
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Homeowners Insurance Information
A home is a safe haven, an investment and a hideaway all at once. Protecting your home is one of the most important things to consider before even picking up the keys. Without coverage, a single accident or disaster could take away your home, belongings and financial security.
Home insurance is designed to help you come back after an accident. With decades of experience, Costas Insurance Group agents are dedicated to helping clients protect their livelihood with affordable home insurance and comprehensive coverage.
Home Insurance Requirements
Home insurance isn’t legally required by federal or state laws, but it may be required by your mortgage lender. Mortgage lenders generally require homeowners to purchase enough insurance to cover the cost of mortgage in case of an accident or disaster. This includes general liability, personal property coverage and dwelling coverage.
You may also invest in additional coverages for extra liability and property coverage for expensive items such as jewelry, furs and art.
Keep in Mind the Eighty Percent
It’s important to keep the 80% rule in mind for home insurance. The 80% rule states that the homeowner should purchase at least 80% of their home’s total replacement cost value in home insurance to receive the maximum amount of coverage after a disaster. The total replacement cost value of your home is not the same as its market value, but can be calculated by adding the square footage, amenities, location value and more. If you have any questions about the replacement cost value of your home or the 80% rule in home insurance, reach out to a Costas Insurance Group agent today.
Protecting What Matters Most
It’s never too early to find an affordable policy to protect your home. Connect with an agent from Costas Insurance Group at
or fill out an today.
Frequently Asked Questions
How Much is House Insurance on Average?
The average cost of home insurance in the U.S. is $1,034 a year while the average cost of home insurance in North Carolina is around $927 a year.
How is Home Insurance Calculated?
Home insurance is primarily based on location, coverage amounts and the total replacement cost value of the home.
How Do You Make a Home Insurance Claim?
To file a claim, call your insurance agent to inform them of the incident and request to file a claim. An underwriter from the agency will then investigate the claim to calculate how much compensation you will receive.
What Does Home Insurance Cover?
Home insurance covers four main areas:
Dwelling: Dwelling coverage provides compensation if the home is damaged or lost due to fire, lightning, wind, hail, falling objects, theft, vandalism and more.
Personal Possessions: Personal possessions coverage provides compensation for personal possessions lost or damaged due to the same perils covered under dwelling coverage.
General Liability: General liability covers claims of third-party bodily injury and property damage that occurs on the insured property.
Why Should You File a Home Insurance Claim?
It’s recommended that you have the damage to your home or belongings appraised by an expert before filing a claim. If the damage costs a substantial amount more to fix out of pocket than the price of your home insurance deductible, you should file a home insurance claim to help pay for the damages.