North Carolina is one of the most scenic states in the country. From the coastal shores of the Outer Banks to the foothills of the Appalachian Mountains, geographical diversity is a given. With over 300 miles of Atlantic Ocean coastline, this state also has a propensity for extreme weather events. Changing global atmospheric conditions are giving rise to an increase in this activity. Many residents are wondering about whether or not they have sufficient North Carolina hurricane insurance.
One of the best ways to evaluate the hurricane components of your current NC homeowners and automobile coverage is to locate an independent agent within the Trusted Choice® network. These knowledgeable professionals can access numerous insurance companies to provide competitive North Carolina hurricane insurance quotes for you to compare. They represent you, rather than a specific insurance company. Contact your local member agent today to confirm you have the right coverage at a fair price.
The number and intensity of storms in North Carolina has been steadily increasing over the past century. There were only 12 major storms during the 1920s, yet there were 39 between the years of 2000 and 2008.
Keep in mind that standard homeowners and automobile insurance policies do not cover damage from flooding, a common effect of hurricanes.
There are a few important considerations when reviewing your need for North Carolina hurricane insurance:
A Trusted Choice member agent is nearby to help you determine what coverage you need to protect your home and auto in the event of a hurricane.
Most homeowners insurance policies include the following protection from hurricane damage:
It is important to maintain an inventory of your belongings and to keep good records of any remodeling or other significant updates in the event you need to file a claim. You should periodically update and maintain photographs off premises or with your Trusted Choice member agency.
Unlike damage from floods, hurricane coverage is part of your homeowners policy, assuming you maintain one. It is also part of your comprehensive auto insurance protection, regardless of the location of the vehicle. Still, it is important to routinely make adjustments to your North Carolina hurricane insurance to confirm that everything is up to date and new purchases are protected. This may be the right time to also find out if you may have access to better coverage, possibly at a lower price.
When you work with a local Trusted Choice member agent, you are actually working with multiple insurance companies, all competing for your business. Find your member agent today to learn about your options.