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Best Homeowners Insurance Agencies in Raleigh

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2023
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ACF Insurance Services Inc logo

ACF Insurance Services Inc

4634 Capital Blvd, Raleigh, NC 27604
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

ACF Insurance Services Inc. is an insurance agency based in Raleigh, North Carolina. The company has more than 25 years of experience serving both homeowners and renters. Working with an array of insurance companies, ACF offers property insurance, liability coverage, and insurance for lost belongings. The agency also helps clients pay for temporary living situations if moving out is required during repairs. Additional protection options include flood coverage and pet liability coverage. Commercial and auto insurance services are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (256)
Facebook
4.9 / 5 (42)
Yelp
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Advantage Insurance Advisors logo

Advantage Insurance Advisors

3401 Wendell Blvd # 2A, Wendell, NC 27591
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Advantage Insurance Advisors is an insurance agency located in Wendell, North Carolina. Locally owned and operated, it provides clients in Raleigh and surrounding cities with competitive insurance premiums and customized plans. The company has access to multiple carriers. Its homeowners insurance policy covers the dwelling, other structures, contents, and loss of use. It also provides options to add coverage for personal items and liability in case someone is injured on the property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Barefoot Insurance Group logo

Barefoot Insurance Group

2014 S Main St Ste 606, Wake Forest, NC 27587
  • Renter's Insurance
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Barefoot Insurance Group is a home insurance agency based in Wake Forest, North Carolina. Doug Barefoot has over 31 years of insurance experience. The company provides homeowners and renters with well-written insurance policies that pay to replace personal property that is damaged or destroyed in a natural disaster or fire. Special features that can be added to insurance packages include home replacement guarantees and replacement costs on the home's contents. Named-perils and all-risk policies are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brewer Insurance Group logo

License Verified:

License: 1000008383

North Carolina Department of Insurance

Brewer Insurance Group

8226 Creedmoor Rd, Raleigh, NC 27613
  • Fire
  • Homeowners

Business Description

Brewer Insurance Group is an independent insurance firm that serves the Raleigh metro. It provides clients a wide selection of homeowners' insurance policies that enable them to select plans that meet their specific needs. It also offers other insurance types, such as life insurance, auto insurance, and flood insurance. The company understands that shopping for policies may appear complicated to clients, so it takes a consultative approach and process before implementing any final decisions.

License Verified:

License: 1000008383

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (76)
Google
4.8 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brightway Insurance logo

Brightway Insurance

5561 McNeely Dr Ste 203, Raleigh, NC 27612
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Brightway, The Ganim Agency, located in Raleigh, North Carolina, leverages a portfolio of leading home insurance carriers to help local homeowners in the Raleigh-Durham area with their policy purchasing decisions. Its agents provide personalized advice for each client's situation based on risks and needs, home replacement value, and other important factors. A comparative analysis of available options by seasoned insurance professionals allows agents to make appropriate recommendations on home insurance coverage types for each client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (260)
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CAPITAL INSURANCE AGENCY OF RALEIGH, LLC logo

CAPITAL INSURANCE AGENCY OF RALEIGH, LLC

4104 Atlantic Ave Ste 142, Raleigh, NC 27604
  • Renter's Insurance
  • Earthquake
  • Flood
  • Homeowners

Business Description

Capital Insurance Agency of Raleigh LLC provides homeowners insurance coverage to clients throughout the Raleigh metro area. It offers comprehensive coverage options that cover full structural repair and replacement costs, the loss of use of interior items such as furniture pieces or appliances, and equipment breakdowns. This company also sells a flood insurance policy add-on. Capital Insurance Agency of Raleigh LLC sells renter's insurance too, as well as auto and commercial insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (19)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carolina Insurance Group logo

Carolina Insurance Group

125 Timber Dr Ste 105, Garner, NC 27529
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Carolina Insurance Group, based in Garner, North Carolina, has been providing insurance protection for North Carolina homes since 2011. Homeowners insurance coverage can include property damage, bodily injury, and damage due to storms and other natural events. Carolina Insurance Group also offers separate policies to cover flood and earthquake damage, as well as auto, life, and business insurance. Its agents assess each client's home insurance needs and recommend a policy that's right for them.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Chad Richards logo

License Verified:

License: 3952550

North Carolina Department of Insurance

Chad Richards

5300 Six Forks Road, Suite 109, Raleigh, NC 27609
  • Multiple Carriers

Business Description

Chad Richards is an insurance agent serving families throughout Raleigh. He opened his agency under State Farm in 2003, assisting individuals in acquiring insurance coverage for personal properties such as homes and vehicles. The homeowners' insurance policies he offers include coverage for valuables like jewelry, electronics, furniture, and musical equipment. Within State Farm, Richards' team has been recognized with several awards, including SVP Club Qualifier, Chairman's Circle Qualifier, and Ambassador Travel Qualifier. Richards is also a member of the Clayton Chamber of Commerce.

License Verified:

License: 3952550

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (257)
Yelp
2.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Clark Insurance logo

Clark Insurance

4004 Barrett Dr Suite 206, Raleigh, NC 27609
  • Homeowners

Business Description

Since 2005, Clark Insurance has been providing financial services to clients in Raleigh. The company offers homeowners' insurance solutions and educates clients on further protection options, like liability and personal property coverage. It also provides flood insurance services. The company's other insurance solutions include life and auto insurance. Matthew Clark, the company's CEO, has over 15 years of experience in the insurance industry. He volunteers for non-profit organizations like the Charley Hoffman Foundation and Pro Kids, First Tee - San Diego.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (51)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dan Thompson Agency logo
Visit WebsiteWebsite

License Verified:

License: 1000072314

North Carolina Department of Insurance

Dan Thompson Agency

Visit WebsiteWebsite
3130 Fairhill Drive Suite 106, Raleigh, NC 27612
  • Homeowners

Business Description

Dan Thompson Agency is a financial services firm that serves clients in the Raleigh metro. The firm provides homeowners insurance services and educates clients on further protection through coverage options against theft, fire, and vandalism. It also deals with renters' and flood insurance. The firm's other insurance products include auto, life, and commercial insurance. Dan Thompson, the firm's president, has over 30 years of experience in the insurance industry. He volunteers for the non-profit organization SAFEchild.

License Verified:

License: 1000072314

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (128)
Facebook
4.8 / 5 (33)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Durfey Hoover Bowden Insurance logo
Visit WebsiteWebsite

Durfey Hoover Bowden Insurance

Visit WebsiteWebsite
3741 Benson Dr., Raleigh, NC 27609
  • Personal Property Insurance

Business Description

Durfey Hoover Bowden Insurance is a Raleigh-based financial services company that serves clients throughout the metro. It provides homeowners insurance solutions and educates clients on policy coverage of personal possessions and personal liability. Clients can also opt for umbrella liability policies, which offer more liability coverage. The company's other insurance products include business insurance. It has been operating since 1937. Paul Hoover IV, the company's principal, is certified in insurance counseling by the National Alliance for Insurance Education and Research.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (29)
Facebook
5.0 / 5 (13)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gregg Suggs Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 1642298

North Carolina Department of Insurance

Gregg Suggs Insurance Agency

Visit WebsiteWebsite
1025 Bullard Court, Raleigh, NC 27615
  • Life Insurance

Business Description

Gregg Suggs Insurance Agency has been serving the residents of Raleigh for more than 27 years. It offers several solutions for individual and commercial clients, such as home, auto, and life insurance. Business owners can also choose from a variety of policies covering cyber liability, workers' compensation, business interruption, and professional liability. Greg Suggs, the company's owner, has been in the industry for more than 29 years. His focus is helping businesses plan their policies and protecting families through life insurance.

License Verified:

License: 1642298

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (129)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joel T. Cheatham Insurance Agency logo
Visit WebsiteWebsite

Joel T. Cheatham Insurance Agency

Visit WebsiteWebsite
106 West Winder Street, Henderson, NC 27536
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Business Description

Joel T. Cheatham Insurance Agency has been serving the local area for over 100 years. For homeowners throughout the Raleigh area, it crafts custom homeowners insurance policies that cover their properties and valuable personal belongings. Insurance carriers this firm partners with include Kemper, Empower Insurance Group, and Philadelphia Insurance Companies. Joel T. Cheatham Insurance Agency offers online quotes for homeowners insurance as well as business, life, and auto insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mike Sollie Insurance Advisors logo
Visit WebsiteWebsite

License Verified:

License: 1000570556

North Carolina Department of Insurance

Mike Sollie Insurance Advisors

Visit WebsiteWebsite
6531 Creedmoor Road Suite 103, Raleigh, NC 27613
  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Mike Sollie Insurance Advisors is an independent insurance agency with more than five decades of experience. It provides multiple options for the home, auto, life, and business insurance needs of individuals and businesses in Raleigh and neighboring areas. One of its products is homeowners' insurance which protects the dwelling structure and the personal belongings inside. Its agents assist clients from reviewing coverages and selecting the best insurance option to serving as the first point of contact during a claim.

License Verified:

License: 1000570556

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (26)
Yelp
3.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oak City Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1000700133

North Carolina Department of Insurance

Oak City Insurance

Visit WebsiteWebsite
500 E Davie St Suite 140, Raleigh, NC 27601
  • Condos

Business Description

Oak City Insurance aims to help clients in Raleigh find and purchase adequate homeowners' insurance policies to cover them against financial loss in case of accidental damage, theft and vandalism, or destruction of their homes. It represents a vast network of insurance providers that offer policies that fit the needs of individuals, families, and business owners. Other insurance products include auto, life, and seniors' insurance. Commercial property and business insurance are also available for entrepreneurs.

License Verified:

License: 1000700133

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Raleigh Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 1000516285

North Carolina Department of Insurance

Raleigh Insurance Group

Visit WebsiteWebsite
302 Jefferson St. # 100, Raleigh, NC 27605
  • Renter's Insurance

Business Description

Raleigh Insurance Group is a locally owned and operated insurance agency offering services in Raleigh since 2017. It provides home insurance that pays for the properties destroyed by disasters and assistance for lawsuits if ever someone is injured while at home. It also offers other insurance policies, such as life insurance, business insurance, health insurance, and auto insurance. The company is an independent insurance agency that works with various insurance carriers to give its clients various options and coverages.

License Verified:

License: 1000516285

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
S J Adams Insurance, Inc. logo

S J Adams Insurance, Inc.

203 W Millbrook Rd Ste 105, Raleigh, NC 27609
  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Homeowners
  • Landlords

Business Description

S. J. Adams Inc. in Raleigh, North Carolina, is a local insurance agency that sells home insurance as well as other personal and commercial insurance products. Founded in 2006, the agency provides home insurance policies that protect homeowners against damage or destruction of any structures on premises and liability coverage, offering additional protection specifically against flood damage and for renters. S. J. Adams Insurance is a member of the Greater Raleigh Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (27)
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Snotherly Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 1000497370

North Carolina Department of Insurance

Snotherly Insurance Agency

Visit WebsiteWebsite
2308 Wake Forest Road, Raleigh, NC 27608
  • Multiple Carriers

Business Description

Snotherly Insurance Agency caters to clients in Raleigh and the surrounding areas. The company provides a range of insurance products, including homeowners' insurance. The policy protects families against financial losses in case of destruction by fire, theft, or vandalism. It can cover the structure, personal belongings, and liabilities on the property. The firm's insurance professionals also work with the clients' mortgage brokers or loan companies for all necessary paperwork. The agency has been serving clients throughout North Carolina since 1964.

License Verified:

License: 1000497370

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (72)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SureVest Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 1000004206

North Carolina Department of Insurance

SureVest Insurance Group

Visit WebsiteWebsite
1033 Oberlin Rd, Raleigh, NC 27605
  • Homeowners

Business Description

Founded in 2003, SureVest Insurance Group is an independent insurance agency serving individuals and businesses in Raleigh. Representing various insurance carriers, the agency helps clients find suitable policies for their home, auto, life, and business insurance needs. One of its products is homeowners' insurance, which covers fire, thefts, and acts of God that may damage homes. The company actively supports communities by funding and helping raise awareness for non-profit organizations such as Rise Against Hunger.

License Verified:

License: 1000004206

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (93)
Facebook
4.0 / 5 (10)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wayne Cottrell logo

License Verified:

License: 1000527196

North Carolina Department of Insurance

Wayne Cottrell

7530 Ramble Way, Raleigh, NC 27616
  • Homeowners

Business Description

Wayne Cottrell has been offering insurance policies and financial services to residents in Raleigh since 2009. He works with State Farm in providing home insurance, auto insurance, life and health insurance, business insurance, and pet insurance. He also offers financial investments such as mutual funds, banking services, and annuities. Cottrell draws from his cheerleading experience in college to bring the same passion and energy in taking care of his clients' insurance needs.

License Verified:

License: 1000527196

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (182)
Facebook
4.9 / 5 (47)
Yelp
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.