Thomasville Homeowners Insurance

Thomasville, NC, is known for its manufacturing of furniture. With an oversized chair as its notable landmark, Thomasville is a charming town. It is historically the oldest depot in North Carolina. 

If you're one of the 26,615 residents who own a home here, you'll need coverage. An independent insurance agent can show you the best policy for a fair price. Get connected with a local expert in minutes. 

Liability Insurance Options in Thomasville, NC

When it comes to home liability insurance, there are a couple of options you should consider. Your homeowners policy comes with a limit of liability as your first line of protection, and umbrella insurance is always a good addition. Homeowners liability coverage will defend household members against the following:

• Bodily injury to others
• Property damage to others

An umbrella policy will add another layer of liability coverage. This insurance applies when a claim exhausts your underlying limits. It will provide an extra $1,000,000 or more in coverage. 

Ways to Cut Home Insurance Costs in Thomasville, NC

If you're looking to cut costs on your home insurance, you're not the only one. There are several ways you can reduce your pricing and still keep adequate coverage. First, let's take a look at the average homeowners premium:

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

It's always best to get started on the areas you can control. While there are items like weather and criminal activity that can't be changed, your personal data can be improved. Below are a few factors you can review to get started:

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

You can have instant savings by bundling. When you bundle your home and auto insurance with the same carrier, you'll get the best pricing in town. Companies usually give a 30% discount or more on all policies across the board.

When You Own an Airbnb in Thomasville, NC

If you own a short-term rental in Thomasville, NC, insurance looks a bit different. You can't get the correct coverage with a standard homeowners policy. Since there are other risk factors that you'll need to account for, it's best to speak with a professional. 

Landlord insurance is a policy that will help protect your investment. It supplies coverage for your interests as the owner as well as third party tenants. When you have revolving guests at your Airbnb, there are more exposures you'll want to protect.

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Are Natural Disasters Covered under Your Thomasville, NC, Home Policy?

A catastrophe or natural disaster can occur at any time. The best way to be prepared is by being proactive. Get a policy that will insure the most common exposures. Take a peek at the top risks in Thomasville, 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

Home insurance excludes flood damage. That means when your property is swimming in an inch of water, you'll be responsible for the loss. To remedy this, consider a separate flood insurance policy. 

Do You Have Coverage for a Burglary in Thomasville, NC?

When you suffer a home break-in, there are certain items you expect insurance to cover. If you want proper protection, reviewing your homeowners policy limits will help. In the meantime, look at the burglaries per 100,000 households below:

• National average: 376.0
• North Carolina average: 599.9
• Thomasville average: 947.7

Personal property and medical payments coverage are essential when you have a burglary. Where your limits are at could mean the difference in a claim being paid or not. Scheduling your more expensive items is another option that can be discussed. 

Why You Need a Thomasville, NC, Independent Agent

If you're looking for homeowners insurance at a low price, a trusted advisor can help. When you work with an independent insurance agent, you'll get the best of both worlds. They have options on coverage and premiums so that you can get the best deal in Thomasville.

An independent agent does the shopping at no cost to you, saving you time and money. If you're tired of researching yourself, consult with a professional. Connect with a local expert on TrustedChoice.com to get started right away.