Homeowners Insurance

What your FL, GA, and NC Homeowners insurance policy can cover:

• Your dwelling
• Other structures on your property - shed, fence, detached garage, etc.
• Personal property - furniture, electronics, clothing, etc.
• Liability - legal expense if you are sued, guests medical bills, lost wages to an injured party, cost to repair accidental damage to someone else's property

Basic insurance will cover your dwelling from fires, lightening strikes, windstorms, and hail. Additional flood insurance can be taken out to cover damages from flooding.

Your insurance amount is due to several factors, including square footage; building cost in the area; your home's construction, materials, and features; local crime rates; and likelihood of certain types of disasters, namely hurricanes in the FL, GA, and NC.

Consider purchasing optional insurance!

Most insurance companies offer different ways to customize your insurance to cover other issues that may happen to your home. Depending on what your property circumstances are, where your property is located, and what a person considers highly valuable, certain optional policies may be appealing.

• Water Backup. This optional insurance will protect against water damage caused by drains backing up or a sump pump break.
• Yard and Garden. This expanded coverage will cover the landscaping, trees, and even some lawn equipment, like lawnmowers, on your propety.
• Scheduled Personal Property. Do you have antiques? Precious jewelry, such as an engagement or wedding ring? This extended coverage will cover these specific pieces of property if damaged or stolen.
• Business property. If you run your business out of your home and sell products that are stored or sold from your home, this protects all of those business related items.

Flood insurance in Florida, Georgia, and North Carolina

While residents are protected from windstorms and typical hurricane weather per the basic homeowners insurance, flood insurance is a separate matter. Flooding is the number one natural disaster in the United States. The NFIP (National Flood Insurance Program) issues flood insurance policies as an additional policy to your existing homeowners insurance policy.

Talk with a representative at Lowi Insurance today about contracting your flood insurance policy. This policy covers damage to your property and possessions, from a flood or flood related losses, due to high rising water in high risk areas.

Ask about insurance discounts!

Most insurance companies offer homeowners insurance discounts where appropriate. Every company offers different options, so make sure to ask your Lowi Insurance representative about any discounts that apply to your policy.

A "bundled" policy is when you purchase multiple policies from one provider, which saves up to 15% of your bill on average.

Make your home more resistant to natural disasters and cut costs that way! Installing hurricane glass and/or accordion shutters can save you on your insurance as well!

Other possible home discounts available with insurance companies can range from installing specific devices and safety measures to loyalty discounts. It is important to talk to your insurance provider on how you can save on your homeowners insurance!