Homeowners Insurance And Renters Insurance In The Carolinas

For the past 90 years, countless Carolina families have relied on Correll Insurance Group for dependable home and renter’s insurance protection. As an independent agency, we are affiliated with a variety of the nation’s leading home insurance carriers. This often means we can get you broader coverage at a price that fits your budget. 

With over 40 offices across the Southeast we are here to help you find friendly, personal service along with insurance knowledge. Many of our associates have been protecting families with homeowners’ insurance for 20 years or more!

What is homeowners' insurance?

If you’re like many homeowners, your house represents one of your greatest investments. In addition, your home provides shelter for your family and is the place where many of life’s happiest moments occur. Homeowners insurance in South Carolina and North Carolina helps you get back the value of your home and the things in it should theft, natural disaster, fire, or other issues affect your home. Make sure to give your home and your belongings the protection they deserve with affordable, quality homeowners’ insurance from Correll Insurance Group.

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What is renters' insurance?

If you rent a home, apartment, or condo, renters' insurance is a must. This coverage reimburses you if your belongings are stolen or damaged by a covered cause of loss such as fire. When you live in a multi-family structure like a condo or an apartment, you can be inadvertently impacted by your neighbors’ practices.

For example, if the person next door forgets to extinguish a candle or accidentally drops a cigarette, your belongings can be harmed. For this reason, renters' insurance is critical. Correll Insurance Group can help you find affordable, reliable renters' insurance in South Carolina or North Carolina.

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What kind of protection is included in Homeowners' Insurance?

Homeowners' insurance in South Carolina and North Carolina includes coverage for a variety of different but important circumstances.

Most homeowners’ insurance policies include:

Dwelling insurance pays to replace your home’s structure if it’s ever destroyed by fire, storm, or other causes of loss. When you purchase homeowners’ insurance coverage, make sure your policy’s limit is based on the replacement value of your home, which is often quite different than the market value. Also, inform your agent of any outbuildings. Your agent can tell you if the outbuildings are included with your policy or if you need additional protection. Also, alert your agent to any recent updates or remodeling, as these can increase your home’s replacement value.

Correll Insurance Agents are happy to meet with you at your local office to discuss these details and help find an insurance solution to address your insurance coverage requirements. 

Contents/personal property coverage pays to replace the belongings in your home such as furniture, clothing, jewelry, and electronics. It’s a good idea to take an inventory of your belongings to ensure that your contents limit is high enough. Inform your local insurance agent of any unique or unusual valuables such as firearms, fine art, collections, expensive jewelry, or antiques. These items may require an added level of protection. In some cases, small boats (such as a drift boat) or equipment such as a riding lawnmower or tractor may be covered by your homeowners’ insurance policy. Alert your Correll agent of every asset so he or she can assist in helping you find coverage to meet your requirements and assets.

Liability insurance pays for damages if your negligence causes harm to someone else. Liability insurance is helpful to have in many unexpected situations, like when a visitor breaks an ankle tripping on your front step or if your dog bites a neighbor. If you operate a home-based business or entertain extensively at your home, let your local Correll agent know so he or she can address potential coverage gaps.

Two things that are not covered by your standard homeowners’ policy are the risks of flood and earthquake. If you think you may need earthquake or flood insurance ask your agent to prepare a quote for these risks. Flood insurance usually has a 30-day waiting period, so don’t wait until a storm is forecasted to request protection.

Whatever your home insurance needs, Correll Insurance Group can help. We also offer coverage for condominiums, second homes, and vacation homes. Ask us for a free homeowners insurance or vacation home insurance quote today!

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