Kinston Homeowners Insurance

Your Complete Guide to Kinston, NC Homeowners Insurance

When you need a local professional

Kinston North Carolina Homeowners Insurance

This water town sits along the shore of the Neuse River, making Kinston, NC, a sight to see. It has been part of three major wars and is the oldest city in the state. With over 20,509 residents, home coverage is necessary.

If you own a property in this historic place, you'll need the right protection. Fortunately, an independent insurance agent can help with policy and rates. Connect with a local expert in minutes to begin your search for the right policy. 

Natural Disasters in Kinston, NC

A natural disaster or catastrophe could occur at any time. You'll need to be proactive with proper insurance to have coverage. Take a peek at the top exposures in Kinston, 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:

Did you know that your homeowners policy does not have coverage for flood damage? In fact, you'll need separate flood insurance altogether if you want this covered. Get FEMA-approved quotes while you still can.

Does Your Kinston, NC Home Insurance Cover Burglaries?

Burglaries occur in every city and state. The only way to be prepared for a break-in is with adequate home coverage. In the meantime, look at the burglaries per 100,000 households below:

  • National average: 376.00
  • North Carolina average: 599.90
  • Kinston average: 1,539.00

If you're a victim of theft, you'll want proper insurance to protect your belongings. For more expensive items, you can get a personal articles floater. This coverage will pay for specific scheduled items such as jewelry, furs, art, and more. A deductible will not apply, and replacement is usually at an agreed value. 

How to Lower Your Kinston, NC Home Premium

There are numerous ways you can cut costs when it comes to insurance. Some items you'll have control over, while others you will not. Let's look at the average homeowner's premium:

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

Risk factors you can improve:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

Another way to save is by bundling your home and auto insurance. When you put all your policies with the same carrier, you save big. Insurance companies will typically give a discount of 30% or more across all your lines of business.

Types of Liability Insurance in Kinston, NC

There are two different types of liability insurance you can obtain for your home. One is included on your homeowners policy, while the other is additional coverage you can purchase. Homeowners liability insurance will defend household members against lawsuits due to the following:

  • Bodily injury to others
  • Property damage to others

The extra insurance you can get for added protection is an umbrella policy. Umbrella insurance limits start at $1,000,000 and go up from there. When you have a more substantial claim, and your underlying limits have been exhausted, umbrella coverage applies. 

You Need This If You Own a Rental Property in Kinston NC 

Rental property coverage can be tricky if you're not a licensed professional. Whether you're running a long-term rental or an Airbnb, you'll need different coverage. A primary home policy won't cut it. 

Landlord insurance will provide the protection your rental property needs. From revolving tenants to your interests as the owner, this policy has it all. If you're looking for insurance that will cover your investment, get quotes today. 

Connect with an Independent Agent in Kinston, NC

When you want the best home policy for an affordable price, get an independent insurance agent. In North Carolina, $1,379,438,000 was paid out for property damage claims in 2016. If a loss happens, you'll want the right coverage in place.

An independent agent can give you a free review of all your policies, so you have the proper protection. Since they do the shopping at no cost, you'll save time and money. Connect with a local expert on TrustedChoice to get started. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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