Remember Floyd and Irene?
Who doesn’t? Rocky Mount, and surrounding areas, are certainly no strangers to catastrophic weather. Hurricane Floyd in ‘99 and more recently, Irene in 2011, were disastrous for many of our residents.
And while bad weather can instantly highlight the need for solid homeowner’s coverage, there are many other problems you’re just as likely to encounter; someone is injured on your property, your home catches fire, smoke damage, theft, vandalism.
It’s called Homeowner’s Insurance, not Home Insurance, for a good reason.
Insuring your home and personal belongings is just the beginning. It also covers any detached structures, such as garages, decks, fences, even in-ground swimming pools. But there’s more: Homeowner’s policies also cover damage or theft of personal property, not just at home, but anywhere in the world.
Another critical part of your policy, one you might not have even considered, includes coverage for personal liability (non-motor vehicle) for injuries and property damage at home or anywhere else, as well as medical payments to guests injured on your property.
And, if your residence is destroyed or severely damaged, you’ll need extra living expenses until you’re back at home, such as hotel rooms and dining out. Your coverage should include these additional expenses.
Limits and Exclusions
It’s important for homeowners to understand that all policies have limits and most have at least a few exclusions, things that aren’t covered. And, while this sounds negative, it’s the limits and exclusions that actually make your policy affordable.
With unlimited payouts and no exclusions, a homeowner’s policy would be exorbitantly expensive. As with most things, it’s the compromise that works best - an affordable policy that covers your most likely risks in amounts that make sense.
Yes, most homeowners need lots of help in selecting a policy.
That’s why dealing with a knowledgeable, trustworthy insurance agent is so important. The agents at MSH Insurance make certain they know you, your family, your home, and your tolerance for risk when they design your homeowner’s policy. Then they make sure they find you the most cost-effective coverage.
Need Help? Contact Our Staff
Customer Service Agent
Jackie E. Corbett
Customer Service Agent
CISR (Certified Insurance Service Representative)
Get A Quote
Requesting real-time, computer-generated quotes from insurance companies is fast and easy.
BUT… It can often lead to inadequate coverage, higher pricing, and the feeling you’re all alone. Not a great feeling to have when you’ve just been in an auto accident or your home has suffered fire and smoke damage..
When you request a free quote from MSH Insurance, our professional agents will use the information you provide to find the policies best suited for you and your family, at the best prices, from our country’s most trusted, top insurance carriers. As local, independent agents, we’re free to do what’s right for you!
We promise quick, personalized quotes; bundling discounts; and the best service possible. And most important, we’ll be there for you when you need us.
Why not get started today? The quote process takes only about 15 minutes to complete. Before starting your quote, please collect the following information to ensure an accurate quote:
- ALL Drivers’ Social Security Numbers
- Copy of current Auto and Homeowners Policy
- Year, Make and Model of your Auto(s)
- Vehicle Identification Numbers
- Size and Construction Type of your Home