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Consumer’s Guide To Homeowners Insurance

Table of Contents

  1. Introduction
  2. Commonly Asked Questions
    How Much Home Insurance Do I Need?
    What Affects Home Insurance Prices?
    What Deductible Should I Choose?
  3. Basic Coverages Available
    Property Damage
    Additional Living Expenses
    Personal Liability
    Medical Payments
  4. Insurance Forms
    Home Insurance
    Renters Insurance (HO-4)
    Condominium Insurance (HO-6)
    Manufactured Housing Insurance
    Option Coverages to Consider
  5. In Case of Loss
    Repair of Your Home
    To Report a Loss
  6. Burglary Prevention
  7. Glossary of Homeowner Related Insurance Terms

The coverages offered to homeowners are typically contained in a package of liability and property coverages. This Guide principally addresses the package of coverages found in a “homeowners” policy. It does not address other state programs established to ensure the availability of coverage. Contact Us for more details on these other plans.

Why Buy Home Insurance?
Owners: to protect both your house and personal property. Tenants: to protect your furniture and other personal property. Everyone: protection against liability for accidents that injure other people or damage their property


921 S. McPherson Church Road
Fayetteville, NC 28303-5368

Independent Insurance Group

Office: (910) 867-9500
Fax: (910) 867-9292 


HOURS: 8:00am - 5:00pm Monday -Friday