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Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Information

Homes, Condos, Rentals

The biggest investment most people will ever make is their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Our agents will work with you to secure basic protections to cover your dwelling, other structures on your property and your belongings. 

Then we will discuss coverages like living expenses, personal liability in the case of accidents, and replacement cost on the contents—to help you purchase the level of protection you desire at a cost that’s within your budget. We can also talk with you about the possibility that an umbrella policy might be right for you and your family at a very reasonable cost. What is an umbrella policy?

Have you received a “Consent to Rate” letter?

For North Carolina homeowners, insurers must mail “Consent to Rate” letters to their customers asking them permission to charge premiums that are higher than allowed by the Rate Bureau. It is advised that homeowners who receive a Consent to Rate letter speak with an independent insurance agent (like HPB Insurance Group) to determine what alternatives there may be—instead of simply providing your current carrier with permission to raise your rates.

Special situations

  • Insurance industry standards are such that flood and earthquake damage are not covered under a standard homeowners policy.  But we can help you determine whether this additional coverage is beneficial to you. Remember, if torrential rains hit your area, flooding can occur whether you live in a flood plain or not.
  • Additionally, if you run a business from your home, it’s standard for business losses not to be covered by a homeowners policy. This is precisely the type of situation where an independent agent can provide value by learning about your business and recommending an insurance solution for you.

To get started, call an agent at 336.881.3500 or complete an online quote form.
Click here for Frequently Asked Questions.

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Insurance:
Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Guaranteed by Any Government Agency Not a Bank Deposit
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