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Homeowners

Homeowners insurance is a package policy and provides financial protection against disasters. A basic (or standard) policy insures the home itself and the things you keep in it. This means that it covers both damage to your property and your liability (or legal responsibility) for any injuries or property damage you or members of your family cause to other people. This also includes damage caused by your pets.

Disasters are covered, but there are exceptions:
  • Floods
  • Earthquakes
  • Poor maintenance
You must buy separate policies for both flood and for earthquake coverage. Maintenance related issues are the homeowner's responsibility.


You may be wondering... "How much homeowners insurance do I need?"

That is a great question and one that is often overlooked. The simple answer is, you need enough insurance to cover the following:
  • The structure of your home - you need enough to cover the cost of rebuilding your home at current construction costs (don't include the cost of the land and don't estimate based on the price you paid for your home). For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot.
  • The contents of your home - (personal belongings)
  • The cost of additional living expenses - (if your home is damaged in such a way that you have to live somewhere else during repairs)
  • Your liability to others


With Permission Insurance Information Institute, Inc.  ALL RIGHTS RESERVED

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Todd M. Cary, NC

Just completed a 6 figure complex commercial renewal with Carter Glass. I've shopped other agencies, but didn't do so this year. Carter has a high level of knowledge about Commercial Insurance policies and spent many hours effectively laying out my options, costs and strategies. What I've found is a comfort level knowing I am properly insured at a fair cost. This can get so complicated that I need someone I can trust to handle it. I also moved our BCBS plan as Carter is an agent for them.

We have many certificates of insurance and items to handle on a monthly basis and the staff has handled them quickly and professionally. Same goes for Personal Insurance, but it's not quite as big a concern to me as my commercial accounts.

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Carter Glass Insurance Agency
5901 Falls of Neuse Rd.
Raleigh, NC 27609
Phone: (919) 230-8760
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