1-888-LWPAYNE | 888-597-2963 | 987 N Main St Waynesville, NC 28786 Get Quote
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987 N Main St Waynesville, NC 28786
138 Village View Dr Suite 105-A Mooresville, NC 28117
200 Providence Rd. Suite 100 Charlotte, NC 28207


Home InsuranceIf you are like many people, you may think of home insurance as a necessary evil. However, home insurance is extremely important, since it is designed to protect one of your biggest assets – your house. To make sure you are able to get the most out of your policy and use it successfully if you ever need to file a claim, we recommend the following:

  • Understand your home’s worth—Whether you are shopping for home insurance for the first time or re-evaluating your current policy, one of the things you need to understand from the very beginning is how much insurance you actually need. The main way to determine this is to know the exact value of your home. This is because if your home is damaged or destroyed, your policy should cover the cost of repairs or replacement.
  • Realize your policy is dependent on certain risks—The cost of your monthly premiums are based around the amount of risk present that something could happen to your home. This can be determined by a number of different factors including the crime rate in your neighborhood, how close you are to busy areas and highways, and your personal living habits.
  • Take advantage of available discounts—Although there are many factors that can drive up your premium costs, there are also many factors that can qualify you for discounts on your home insurance policy. For instance, you may be eligible for a discount if you equip your home with a security system or if you update the electrical system in your home.