Kernersville Homeowners Insurance

Kernersville, NC, is known for its history. From 22-room house museums to famous artists, this place is a sight to see. The 24,386 locals who live here mean that you'll have a charming town to call home. 

When you own a property in Kernersville, coverage is necessary to be protected. An independent insurance agent can help find a policy for a fair price. Connect with a trusted adviser to get started. 

Does Your Airbnb Have the Right Protection in Kernersville, NC?

Rental properties have risks that your primary home does not. From third-party tenants to vacancies, you need a policy that fits. Fortunately, there are options when it comes to coverage.

If you own a short-term rental property, you'll need an even more specific policy. Landlord insurance will provide the right kind of protection for your exposures. To have coverage for your Airbnb, make sure the carrier has a short-term rental property option.

How to Save on Your Kernersville, NC Home Insurance

Your homeowners insurance is rated using personal data and loss history. Outside factors are included as well. Let's look at the average homeowner's premium:

• National average: $1,211
• North Carolina average: $1,086

While you won't have control over local weather and crime, which impact your pricing, you can improve some things. To get better rates, go over your personal data with a professional. Below are a few things you can review to get started:

When you need instant savings, consider bundling. If you bundle your home and auto insurance with the same carrier, you'll get a large discount. Companies award 30% or more in most cases.

Your Home's Liability Insurance in Kernersville, NC

Liability coverage is one item that is essential to get right. As the most used coverage on your policy, the limits need to be sufficient. Homeowners liability insurance will defend household members against lawsuits due to the following:

• Bodily injury to others
• Property damage to others

Umbrella insurance is another option when you need additional liability coverage. An umbrella policy is an extra level of protection when a claim exceeds your underlying limits. Coverage usually starts at $1,000,000 and can be increased if needed.

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Will Your Kernersville, NC Home Policy Cover a Catastrophe?

Catastrophes and natural disasters can happen at a moment's notice. Your home policy needs to cover all that could go wrong. Take a peek at the top exposures in Kernersville, NC.

1. Hurricanes and tropical storms
2. Burglary and other property crimes
3. Flooding and water damage
4. Severe storms and lightning damage
5. Wildfires and residential fires

Why you need flood insurance

There are several things your home policy will protect against, but flood damage isn't one of them. To have coverage for a flood, you need a separate policy. If you're without this insurance currently, you should get quotes before it's too late. 

Burglaries and Your Kernersville, NC Home Policy

Your limits of protection need to be adequate to cover a claim. A break-in can shake things up, and your home policy may not have enough coverage. In the meantime, look at the burglaries per 100,000 households below:

• National average: 376.00
• North Carolina average: 599.90
• Kernersville average: 451.80

When you suffer a burglary, certain coverages will apply. Your personal property and medical payments are one area you'll want to review. If your limits are too low, you could have to pay out of pocket.

How to Connect with a Kernersville, NC Independent Agent

In North Carolina, paid out $1,379,438,000 was paid out for property damage claims in 2016. If you have low limits, you could be responsible for a loss on your own. To avoid financial devastation, consult with an independent insurance agent. 

They work on your behalf at no cost to you, saving time and money. An independent agent uses multiple carriers, allowing you to have options. Connect with a local expert on TrustedChoice for a complimentary policy review.