--- title: North Carolina Home Owners Insurance and Policies | Freedom Insurance in North Carolina description: Find the right home insurance policy for your family. Freedom Insurance Group, Inc offers many different options for home owners insurance that are sure to be perfect for you. Serving Morganton, and all of North Carolina. --- # Homeowner Insurance ## from Freedom Insurance * * * ## North Carolina Homeowner Insurance If you own a home, it's no doubt your greatest asset. What would you do if something happened to your home and you couldn't live in it any longer? If you are a renter, your home contains your most valuable possessions. If those possessions were lost, damaged, or stolen how would that affect your life? Homeowner insurance is designed to help you in the event that either your home or your belongings are lost or damaged, whether through fire, theft, or other situations. You may not know that homeowner insurance can also cover renters and not just property owners. So, if you are not in a financial position to afford the loss of your home or your valuables, it's a wise choice to take out a homeowner insurance policy. There are many other advantages to having homeowner insurance. For example, homeowner insurance protects you: - If a visitor takes a fall or has some type of accident while visiting your home or on your property and takes you to court winning a legal judgment - If your home is vandalized - If your home incurs smoke damage - If hail damages your home or if your property is damaged by falling objects Homeowner insurance may also cover an alternative residence for you if you have to vacate your home or rental property because you cannot live in it, like when there is fire damage or water damage from a plumbing emergency. This extra coverage can sometimes pay for another home for you for up to two years until your regular place of residence is habitable again. Did you know that if you are a landlord and you rent out your home or you have tenants living within part of your home, you may also be eligible for this type of homeowner insurance? Talk to our agents today at 828-432-0001 to talk about a homeowner policy that gives you the protection that's right for you. The agents at Freedom Insurance Group, Inc will ask relevant questions about your property and other factors, like pet ownership, that might require an umbrella policy or special items that need additional insurance coverage, such as jewelry, antiques, artwork, and collectibles. Given your location in North Carolina, we may also discuss flood insurance and how you can protect yourself in the event of flooding that results from the coastal storms and hurricanes that are so common today. If you're not sure how much coverage you need when you meet with your agent, you can always make a list of your belongings, or even better, take photos or a video to record your belongings. That way you'll make sure everything is covered in the event of an emergency when you need to file a claim. Your North Carolina homeowner insurance policy will depend on many of the factors mentioned above as well as your deductible. The deductible is the amount that you pay prior to your policy taking effect in the event of a claim. You may not be aware that a higher deductible may let you pay a lower premium for your homeowner insurance, so it's worth talking about when you put together your policy. Contact us today to find out how we serve homeowners in North Carolina. You don't want to wait until you have an emergency to discover that a straightforward homeowner insurance policy might have protected you from significant loss. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/homeowner-insurance/quote) ## Insurance Partners [Aegis Insurance — Allstate — American Integrity Insurance Co — American Modern — AmTrust Financial — BiBerk Insurance company — Canal Insurance — Chubb — Dairyland Insurance — Discovery Insurance — Farmers — Foremost Insurance — Frank Winston Crum Insurance — Hagerty — Heritage Insurance — Hiscox — Hiscox Insurance — Homeowners of America Insurance company — Liberty Mutual — National General Insurance — Nationwide — NC Grange Mutual Insurance — Orion 180 — Philadelphia Insurance — Progressive — The General Insurance — The Hartford — Travelers — Universal Property & Casualty Insurance — Utica National Insurance — Zurich](/insurance-companies) ## From Our Blog [Custom Parts And Equipment Coverage: What It Is And Why It Matters](/blog/2026/custom-parts-and-equipment-coverage-what-it-is-and-why-it-matters) [Boat Insurance Coverage Gaps Every Boater Should Understand](/blog/2026/boat-insurance-coverage-gaps-every-boater-should-understand) [How Lease Agreements Impact Your Insurance Responsibilities](/blog/2026/how-lease-agreements-impact-your-insurance-responsibilities) ## Frequently Asked Questions About North Carolina Home Insurance What is the difference between market value and rebuild cost? **Market value** reflects what a home may sell for, including land and location. **Rebuild cost** focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor. What is personal property coverage in homeowners insurance? **Personal property coverage** refers to belongings inside the home, such as furniture, clothing, and electronics. Items are valued based on defined methods and limits. What is liability protection in homeowners insurance? **Liability protection** relates to situations where a homeowner may be responsible for injury or property damage involving others. It is typically included as part of a standard homeowners policy. What is loss of use in homeowners insurance? **Loss of use** refers to situations where a home becomes temporarily uninhabitable. It is associated with additional living arrangements and related expenses. What is dwelling coverage in homeowners insurance? **Dwelling coverage** refers to the portion of a policy that relates to the structure of the home itself. It is based on the estimated cost to repair or rebuild the home using similar materials. ## Start Your Homeowner Insurance Quote Freedom Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent insurance agents in North Carolina, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money on your homeowner insurance. * * * ### Want to talk to an agent first? **Call us - we love talking about insurance!** [Contact Our Office](/contact) (A form appears here on the HTML version of this page.) ## From Our Blog [View More Articles](/blog) [**Custom Parts And Equipment Coverage: What It Is And Why It Matters** — Custom parts and equipment coverage helps protect aftermarket upgrades, modifications, and added accessories that may not be fully covered under a standard auto, motorcycle, or specialty vehicle policy. It matters because many vehicle owners invest far more into custom wheels, stereo systems, lifts… — Apr 27](/blog/2026/custom-parts-and-equipment-coverage-what-it-is-and-why-it-matters) [**Boat Insurance Coverage Gaps Every Boater Should Understand** — Boat insurance can provide important protection for physical damage, liability, and certain on-water risks, but many policies still have exclusions, limits, and gaps that boat owners do not notice until a claim happens. The most common problems usually involve navigation limits, uninsured boaters,… — Apr 27](/blog/2026/boat-insurance-coverage-gaps-every-boater-should-understand) [**How Lease Agreements Impact Your Insurance Responsibilities** — Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both tenants and property owners are expected to meet. 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