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Home Insurance

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Home Insurance 101

Home Insurance Fayetteville NC – We work, raise a family, buy a home, and make memories. Protecting that lifestyle is important. Suggs Agency knows that. Therefore we take pride in knowing everything we need to about Home Insurance. Our team does the research.  We work with multiple carriers so that when the time comes to cover your most valuable investment, we are ready.

Homeowners Coverage may protect you in the event of:

  • Burglary and Theft
  • Water and Pipe Damage
  • Liability Suits
  • Destruction from natural disasters or fallen trees

Home Insurance is comprised of many coverage types.

Coverage A
The Dwelling –  This includes the actual structure of the home and attached structures.  Some examples are an attached garage.

Coverage B
Other Structures – This includes any structures not attached to the home.  One example is a storage building, gazebo, etc.

Coverage C
Personal Property or Contents –  This includes anything not permanently affixed to the home.  IE.  Clothing, furniture, electronic equipment, etc.

Coverage D
Loss of Use –  If you need a hotel room while repairs are being made to the home, this area covers that expense.

Coverage E
Personal Liability – If a non family member injures themselves on the property, this covers loss of wages and other personal liabilities.

Coverage F
Medical Payment – This covers any medical expenses to injured parties other than family members.

There are also limits that are required by the state.  Don’t get stuck having to foot the bill for repairs or personal injuries. Make sure you carry at least 80% coinsurance on your home insurance policy. Total Insurance Center has all the details. Check with your agent to find out more. You can also reference handy guides like the Consumer Guide to Home Insurance.


Home Insurance Fayetteville NC