Hendren Insurance Agency Group Inc: North Carolina Homeowners Coverages

Your home may be the largest investment you ever make. We can help you protect it.

Homeowners insurance is designed to cover damage to your property (the home itself and the things you keep in it). It also protects you against liability for accidents that injure other people or damage their property.

Policy Options

With several homeowner products to choose from, there’s sure to be one that’s just right for you. Click here.

Understanding the Insurance Lingo

Here are a few terms to know as you review the coverage options:

Replacement cost and actual cash value – Replacement cost is the cost to rebuild or replace the house with comparable materials. Actual cash value is an estimate of what the property or goods are worth (depreciation is factored) at the time of the accident or destruction of property. The property must actually be repaired or replaced before replacement cost coverage is paid.

Perils – That's an event — such as a fire or theft — that causes damage to your property. Either risks will be specifically listed (named perils coverage), or the policy will state that you're covered against risks of direct physical loss, with the exception of those that are specifically excluded (comprehensive coverage). Insurance for flood, earthquake, water and sewer backup damage, for example, must be purchased separately.

Contact our agency to learn more about ERIE’s homeowner coverage, discounts, claims service and the price of these policies. We can help you decide which amount of protection makes the most sense for you.