Homeowners Insurance in Clemmons, NC
Homeowners in Clemmons, NC face risks, including severe storms, that can cause significant financial losses. Home insurance may protect against these hazards and provide financial security and peace of mind. Hampton Insurance Services offers comprehensive coverage to safeguard your home financially.
What Is Home Insurance? 
Homeowners insurance is a type of property insurance that may provide financial protection against losses and damage to an individual’s residence, along with belongings in the home. It typically covers interior and exterior damage, loss or theft of personal belongings, and personal liability for harm to others.
What Does Homeowners Insurance Cover?
Standard policies generally include the following:
- Dwelling coverage—This may pay for repairs or rebuilding your home’s structure after covered perils such as fire, theft or weather events.
- Personal property coverage—This may cover your belongings if damaged or stolen.
- Liability coverage—If someone is injured on your property or you accidentally damage their property, liability coverage may help cover legal costs and medical bills.
- Medical payments—This may help cover the treatment of injuries for individuals involved in accidents on your property.
- Additional living expenses (ALE)—If your home becomes uninhabitable due to a covered disaster, ALE may pay for temporary living expenses.
Why Do You Need Home Insurance?
If you have a mortgage, lenders typically require homeowners insurance. Even after paying off your home loan, maintaining coverage is essential. Without it, you would bear the total cost of rebuilding your home and replacing belongings after disasters such as fires or tornadoes. Home insurance can offer peace of mind by protecting you financially against unexpected events.
What Is Not Covered by Homeowners Insurance?
What is or isn’t covered by your homeowners insurance depends on the policy language. Homeowners insurance policies typically exclude damage caused by the following:
- Sinkholes
- Earthquakes
- Floods
- Nuclear hazards
- Power failures
- Vermin and insect infestations
- Intentional damage
- Normal wear and tear
In some cases, financial protection from these excluded hazards can be obtained by purchasing standalone policies (e.g., flood insurance). Talk to an agent to learn more.
Contact Us Today
If you’re looking for a homeowners insurance policy or want to assess if your current coverage is sufficient, we’re here to help. Contact Hampton Insurance Services today to get started or to request a free quote.