Home Insurance

Your home may be the biggest purchase you will make in your lifetime. To protect your investment, having the right home insurance is essential. At Greenville Insurance Advisors LLC in South Carolina and North Carolina, we are happy to offer home insurance policies that meet the needs of our clients.

What is Covered Under Home Insurance?

Your home insurance policy will cover damage to your home from many causes. A standard homeowner's policy typically covers fire, damage due to severe weather, theft, and vandalism. It provides coverage for your belongings, as well as the structure itself.

Some types of water damage are also covered. Your policy will cover damage from faulty plumbing or appliances. However, it does not cover flood damage. You'll need a separate policy for flood insurance.

Homeowner's policies also provide liability protection. For example, if someone is injured on your property, your policy will cover their medical expenses.

Most policies will also cover other structures on your property, including sheds, garages, and outdoor grills.

Some policies will also cover living expenses if your home is unlivable while undergoing repairs. This may include housing and food expenses until you can move back home.

Replacement vs. Actual Cash Value

Both replacement and actual cash value policies will cover damaged personal items. However, an actual cash value will cover the depreciated cost of your items. This may not be enough to cover the cost of a replacement.

For example, if your stereo system is damaged beyond repair, an actual cash value will cover the current value of the system. A replacement policy will cover the cost of replacing the stereo system with a new one comparable to the one you had.

Home Insurance at Greenville Insurance Advisors LLC

If you need home insurance in South Carolina and North Carolina, contact us at Greenville Insurance Advisors LLC. We are passionate about customer service and will help you find the policy that best suits your needs.