Unlike car insurance, homeowners insurance typically isn't required by law — but it's likely required by your lender if you've got a mortgage out on your home. Good thing an Esurance homeowners policy financially protects you, your dwelling, and so much more with a wide range of coverages tailored around your needs and budget.
North Carolina is no stranger to high winds, thunderstorms, or even tornadoes. In fact, NC averages 20 tornadoes a year, not to mention all the other precipitation and stormy weather that your locale receives on the regular.
All the more reason to look further into your policy's dwelling coverage, which financially protects you if your home needs to be repaired or rebuilt after a covered incident (like a windstorm or tornado). When looking at limits for this coverage, make sure you're selecting enough to fully cover the cost of completely rebuilding your house should the worst happen.
Personal property insurance
Almost 80,000 homes in North Carolina experienced a burglary in 2014. And although that number has been (thankfully!) decreasing over the last decade, that's still a huge number of incidents affecting thousands of individuals.
Luckily, personal property coverage from Esurance has your back, since it can pay to replace your personal belongings (such as clothes, furniture, electronics, and more) after a covered event like theft.
With that in mind, it's always a wise idea to keep a thorough home inventory of your belongings to help speed along the claim process should you need to make one.
More standard coverages
Thought the coverage stopped there? Think again — here's a sampling of other standard coverages on an Esurance homeowners insurance policy.