Home Insurance

Your home is likely the biggest investment you’ll ever make. We help homeowners across Garner, Raleigh, and all of North Carolina protect it with homeowners insurance that’s built around the way you actually live — at a rate that makes sense.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What a Homeowners Policy Covers

• Dwelling — rebuilds or repairs your home’s structure after fire, storms, and other covered events.
• Other structures — garages, sheds, and fences.
• Personal property — furniture, electronics, and belongings, often even when they’re away from home.
• Liability — protects you if someone is injured on your property or your dog bites someone at the park.
• Additional living expenses — hotel stays and meals if a covered loss makes your home unlivable.

How Much Coverage Do You Need?

Insure your home for its replacement cost — what it would take to rebuild with today’s labor and material prices — not its market value. Personal property is typically set at 50–70% of your dwelling coverage, and most households should carry at least $300,000 in liability. We’ll run the numbers with you so nothing is guessed.

What’s Not Covered

Standard home policies exclude flood and earthquake damage. If rising water is a risk where you live — and in North Carolina it often is — you’ll want a separate flood insurance policy. Own a rental property? That needs a landlord policy instead of a homeowners form.

Frequently Asked Questions

Does homeowners insurance cover flooding?

No. Standard home policies exclude flood damage. A separate flood policy through the NFIP or a private carrier fills that gap — see our flood insurance page.

Will a newer roof lower my premium?

Usually, yes. Roof age is one of the biggest pricing factors in North Carolina. Tell us when your roof was replaced and we’ll make sure every carrier quote reflects it.

Should I insure my home for what I paid for it?

No — insure for the cost to rebuild. Market value includes land and location; rebuild cost reflects construction prices, which is what a claim actually pays for.

Protect Your Biggest Investment

Get a home quote from local agents who know North Carolina construction, weather, and carriers. Insure with You!