Why Choose Harbor Insurance?

Selecting the right home insurance should be a straightforward and transparent process. At Harbor Insurance, we are committed to helping homeowners throughout North & South Carolina obtain affordable home insurance that provides the right protection tailored to their circumstances.

🏠 Local Experts – We possess in-depth knowledge of the homeowners insurance requirements specific to NC & SC, whether you reside on the coast or inland. Get home insurance near you from experienced professionals who understand the unique risks in your area.

💰 Competitive Prices – We facilitate your ability to compare home insurance rates from a diverse network of reputable insurance companies, ensuring you find the best home insurance value available.

📜 Complete Coverage – Our policies offer comprehensive protection for your dwelling, personal belongings, and potential liability concerns.

🛡️ Standard Homeowners Insurance – Our policies are designed to meet and exceed the requirements stipulated by your lender or mortgage company, providing peace of mind and financial security.

Home Insurance Coverage Options Explained

We understand that homeowners have diverse needs, which is why we offer a range of home insurance coverage options to fit your specific situation:

• Property Insurance: This coverage protects your house and other structures on your property, such as garages, sheds, and fences, against damage from covered perils.
• Homeowners Coverages: This encompasses a comprehensive suite of protections, including coverage for your home, your personal belongings, liability, and additional living expenses should you be temporarily displaced from your home.
• Standard Homeowners Insurance: This type of policy covers common problems such as fire, theft, vandalism, and storm damage, providing a foundational level of protection for homeowners.
• Customizable Policies: Recognizing that some homeowners have unique risks or valuable possessions, we offer customizable policies with optional add-ons for floods, wind, hail, valuable items, and other specific risks.

What’s Included in Standard Homeowners Insurance?

• Dwelling Coverage: This component pays for the expenses to repair or rebuild your home if it is damaged by a covered loss, such as a fire, hurricane, or other covered event.
• Personal Property Coverage: This protects your furniture, clothing, electronics, and other personal belongings if they are stolen, damaged, or destroyed by a covered peril.
• Liability Protection: This provides financial protection if someone is injured on your property and you are found legally responsible. It covers personal liability claims and associated legal costs.
• Medical Payments Coverage: This helps pay the medical bills for guests who are injured at your home, regardless of who is at fault for the injury.
• Additional Living Expenses (ALE): In the unfortunate event that you can’t live in your home due to a covered disaster, this coverage pays for a hotel, meals, and other necessary living expenses while your home is being repaired.

Other Coverage Options:

• Wind & Hail Insurance
• Flood Insurance
• Extended Replacement Cost Coverage
• Identity Theft Protection
• Home Business Insurance

How Much Will Home Insurance Cost?

The cost of homeowners insurance is influenced by a variety of factors, reflecting the unique characteristics of each property and the level of risk involved:

• Where you live and your property’s risk of flooding, wildfires, or other natural disasters.
• The age and overall condition of your home, including the roof, plumbing, and electrical systems.
• Your history of past insurance claims and your credit score, which can influence insurance rates.
• The amount of your chosen deductible and the coverage limits you select for your homeowners insurance policy.
• The presence of home security features, such as alarms, surveillance cameras, and smart home devices, which can qualify you for discounts.

How to Save Money on Home Insurance:

1. Compare home insurance quotes from multiple insurance providers to identify the most competitive rates and coverage options.
2. Bundle your home and auto insurance policies with the same company to take advantage of potential multi-policy discounts.
3. Invest in home security systems, install smoke detectors, and implement burglar alarms to reduce your risk of loss and qualify for insurance discounts.
4. Opt for a higher deductible, which means you’ll pay more out-of-pocket in the event of a claim, but you’ll typically benefit from lower monthly premiums.
5. Carefully select a standard homeowners insurance policy with the insurance coverages you need, avoiding unnecessary add-ons that could inflate your premium.
6. Maintain a clean claims history and take advantage of discounts offered by insurers for long-term customers or those with no recent claims.

Types of Home Insurance Policies We Offer

We understand that every homeowner has unique insurance needs, which is why we offer a range of homeowners insurance policy options tailored to your specific requirements:

• Homeowners Insurance
• Flood Insurance
• Wind & Hail Insurance
• Landlord Insurance
• Renters Insurance
• Vacation Home Insurance

Homeowners Insurance: Common Questions

Protect Your Home and Belongings – Get a Free Quote Today!

Whether you’re seeking standard homeowners insurance, specialized flood protection, or comprehensive homeowners insurance policy coverage options, Harbor Insurance is here to help. We will assist you in finding the best home insurance to protect your house, personal belongings, and personal liability, ensuring that you are adequately covered in the event of a covered loss.

📞 Contact us by phone or submit your request online to receive a free home insurance quote now!