Home Insurance
Home insurance for NC and SC families
Protect the place where everything happens
Your home is likely your largest asset — and your homeowners policy is what stands between a bad event and a financial crisis. Brian King and his team review your existing coverage or help you build the right policy from scratch, paying attention to dwelling replacement cost, personal property limits, and what your policy actually excludes.
We serve homeowners across Matthews, Charlotte, and throughout NC and SC.
What a home policy typically covers
Standard homeowners policies cover your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. What they don't cover is often as important as what they do.
- Dwelling (Structure) Coverage
- Personal Property
- Liability Protection
- Additional Living Expenses
- Medical Payments to Others
- Other Structures
FAQ
Frequently Asked Questions
Does homeowners insurance cover flood damage?
No. Standard homeowners policies explicitly exclude flood damage from rising water. Flood coverage must be purchased separately through the NFIP or a private flood insurer.
How much home insurance do I actually need?
You need enough to rebuild your home at today's construction costs — not what you paid for it. Construction costs across North Carolina and South Carolina have risen significantly. If your dwelling coverage is based on an old estimate, you may be underinsured.
What's the difference between replacement cost and actual cash value?
Replacement cost pays what it costs to rebuild or replace an item new. Actual cash value deducts depreciation. Most homeowners are better served by replacement cost coverage.
Are home-based businesses covered by homeowners insurance?
Generally, no. Homeowners policies exclude business property above a small sublimit and won't cover liability claims from clients visiting your home.
Get a Free Home Quote
Tell us about you — we'll take it from there.
Protecting NC and SC families since 2020