When disaster strikes, luck favors the prepared. If you’re reading this, you are probably aware of the benefits of insurance. Your home is your sanctuary, but is it protected? As a homeowner in North Carolina, it is important to know how home owners insurance could be your safety net. 

What is Home Owners Insurance?

Home owners insurance protects the value of your home and your things if they are damaged in a covered event. If you have a policy and something happens, you can file a claim. Your insurance company will process the claim and pay to repair your home or replace your covered belongings. 

What Events Can be Covered? 

A home insurance policy can cover a wide range of events. As a customer, you can choose what you want to cover. Most policies provide some coverage for burglary, theft, fire, and smoke. Other covered events can vary by where you are located. This is because some areas are more prone to certain events than others. 

In North Carolina, hurricanes are one of the most common events to cause insurance claims. Our state sees the third highest number of hurricanes in the country (1). High winds and heavy rain from these storms can cause serious property damage, so hurricane coverage is a must-have in areas near the coast. 

Another common claim in North Carolina is tornado damage. The western half of the state often experiences tornadoes and severe thunderstorms in the warmer months. In fact, an average of 31 tornadoes touch down in North Carolina every year (1). 

Flood Coverage

Flooding is a major risk in North Carolina. As previously mentioned, the state is prone to hurricanes and severe storms. Aside from wind and hail, hurricanes and severe storms can cause water damage. Wind or hail can damage roofs and let in water. Heavy rain can also cause flash flooding and hurricanes can bring storm surges.

It is important to note that flooding is not covered under a home insurance policy. This is true in North Carolina and in every other state (1). To take care of possible flooding risk, home owners should get a flood policy to go along with their home insurance policy.

Having a flood policy creates better all-around coverage for any major event. For example, a home insurance policy can cover wind damage from a hurricane while a flood policy takes care of water damage from the storm surge. 

Get Prepared

Unforeseen events and natural disasters happen every day. These events seem to happen at random, and they don’t wait for us to get ready. Getting as prepared as possible is the best thing you can do for yourself and your family.

Shopping for insurance can feel overwhelming, but we are here for you. At Dan Thompson Agency, we can help you build policies that fit your concerns. We will listen to your needs, talk about your options, and set you up with the best coverage at a fair price.

We are a family-owned and operated firm based in Raleigh. As locals, we understand the needs of customers in North Carolina. We love serving our community. Contact us today, and let us help you find peace of mind. 


1. ‘Homeowners Insurance In North Carolina.’ Source: https://www.policygenius.com/homeowners-insurance/homeowners-insurance-north-carolina/ 

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