May 17, 2018

Homeowners Insurance

Check Out our Homeowners Discounts

Mature Homeowner

If you are 55 years old or older and work less than 20 hours per week you may qualify for savings up to 5%

Bundling

Bundle your homeowners, auto and or any property or casualty insurance policy, and receive a rate reduction up to 5%

Prior Dwelling Insurance

Take advantage of having prior homeowners or renters insurance when you switch. For Instance, save as much as 1%-3%.

New Purchase

We have special savings for you because you are a first time home buyer?

Flood Insurance

Flood insurance qualifies you for discounts; for example multiple policies.

Smart Home

Enhance your savings by taking advantage of the smart home discounts -- discounts varies.

HOMEOWNERS INSURANCE DOES NOT COVER DAMAGES IF YOUR HOME IS FLOOD?

INSURE YOUR HOME IMMEDIATELY!!

HERE IS WHY YOU NEED HOMEOWNERS INSURANCE?

It is a requirement from the banks and mortgage companies that all homes that are financed maintain homeowners insurance to cover the home, in light of an event of catastrophic loss due to a fire, a natural disaster, hurricane, tornado, earthquake, or any named peril. However, homeowners insurance is designed to repair or replace your home. Beware! When purchasing insurance for your home make sure you are covered for replacement cost and not ACV which stands for actual cash value. See explanation below for the  the differences between replacement cost and ACV-actual cash value.

  1. Replacement cost is when the insurance company pays you to replace or repair your damaged or destroyed property at today's cost regardless of its current value.
  2. ACV-actual cash value pays out on the current value and condition of your damaged or destroyed property.

 

 

EXAMPLES OF THINGS HOMEOWNERS INSURANCE COVERS?

  1. Replacing and or repairing damage to your home and other structures, for example fences, sheds, driveways, bushes and shrubs.
  2. Loss of use coverage pays for you to stay some place else while your home is under repair; in addition, this coverage is also available to those who have renter's insurance
  3. Personal property, such as furniture, clothing, sporting goods, and electronics, and much more.
  4. Medical payments for those who get hurt while visiting you
  5. Liability insurance to cover things like dog bites, slander and libel
  6. Stolen property while away on vacation or while students are away in school
  7. just to name a few

Deductibles can run as low as $250 per occurrence to as high as $2,500.00

 

 

 

 

 

 

 

Capital Insurance Agency of Raleigh, LLC

4104 Atlantic Avenue, Suite # 142

Raleigh, NC  27604

(P) 919-685-2530 / (F) 919-685-2530

bgarrett@ciarinfo.com

www.CIARinfo.com

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