Skip to main content
NC DOI logo NC DOI

Topical Navigation

  • Home
  • Consumers
    Consumers
    • Assistance or File a Complaint
    • Auto and Vehicle Insurance
    • Homeowners Insurance
    • Health Insurance
    • Life Insurance
    • Medicare and Seniors' Health Insurance Information Program (SHIIP)
    • In a Disaster
    • Annuities
    • Business Insurance
    • Disability Income Insurance
    • Travel Insurance
    • Coronavirus Information and Updates
    • En Español
  • Assistance/Complaints
  • Insurance Industry
  • Licensees
  • Fraud Control
  • OSFM
  • ABOUT
  • NEWS
  • CONTACT
  • CAREERS
  • NC.GOV
NC DOI »  
Consumers
»  
Homeowners Insurance
»  
Do I need Homeowners Insurance?

Do I need Homeowners Insurance?

Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Homeowners policies apply to most owner-occupied single-family dwellings and is modified slightly for apartments and condominiums.

Homeowners insurance coverage can cover your Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments to Others.

Your Home Is Valuable to You!

Homeowners insurance protects you from the unexpected burden of paying to rebuild your home should you suffer a loss or a disaster strikes.  Should something happen to your home, are you financially capable of replacing it?  Insurance can help you during such unpredictable events.

Did you know that homeowner insurance can also protect you from:

  • Vandalism/Theft to your home
  • Lawsuits against you or your family members
  • Damage or injury your pets cause to others

Tips to Remember:

  • Most homeowners insurance policies do not cover flood, earthquakes, mudslides, mudflow or landslides! Talk with your agent about obtaining coverage for these losses.
  • Maintain an inventory of your home and keep receipts.  Take a picture of item and receipt and keep it in a folder in your email.  If you keep it on your computer/phone and either are lost or destroyed during disaster, then you have lost your information.  Your email can be accessed at a public/family member’s computer.
  • As renovations are made to your home, update your agent to ensure that it is noted on your policy. Renovations can include installation of fences or storage sheds.
  • Shop around for the best price. Prices may vary from company to company, due to differences between underwriting.
  • Check with NCDOI to make sure the company is licensed.

Homeowners Insurance

  • Actual Cash Value vs. Replacement Cost Value
  • Basic Homeowner Insurance
  • Consumer Tips
  • Do I need Homeowners Insurance?
  • Dwelling Policies
  • Earthquake Coverage
  • FAQs about Homeowners Insurance
  • Flood Insurance
  • Fortified Homes & Mitigation Credits
  • Loss Prevention and Aftermath
  • Manufactured Homes
  • Optional Coverage
  • Questions to Ask Your Agent
  • Renters
  • Title Insurance
  • Windstorm and Hail

Quick Links

  • Look up an Insurance Company
  • Look up an Insurance Agent
  • Insurance Company Contacts
  • Insurance Company List Search
  • How to file a Complaint
  • Consumer Information from NAIC
  • Download Our Mobile App

Share this page:

  • Facebook
  • Twitter

How can we make this page better for you?

Back to top

Contact Us

North Carolina Department of Insurance

Physical Address:
Albemarle Building
325 N. Salisbury Street
Raleigh NC 27603-5926

Mailing Address:
NC Department of Insurance
1201 Mail Service Center
Raleigh NC 27699-1201

Toll Free 855-408-1212

Agent Services: 919-807-6800

Careers at NCDOI

Recent Tweets

Tweets by @NCInsuranceDept

Follow Us

  • Facebook
  • Twitter
  • YouTube
  • LinkedIn
  • RSS Feed
  • Accessibility
  • TERMS OF USE
  • PRIVACY
  • OPEN BUDGET
NC DOI
https://www.ncdoi.gov/consumers/homeowners-insurance/do-i-need-homeowners-insurance