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Insurance For Homeowners in
North & South Carolina

Homeowners spend a lot of hard-earned money on their biggest investment - their home. So if you're a homeowner, you must invest a little more to protect your place. The home insurance we provide at Williams Insurance Service protects your most valuable asset so you can feel confident. Your home is a place where you spend countless hours, and you need to prepare for any unexpected issues that arise. Whether you're stuck with flood or fire damage, you'll be glad you had us to protect your mortgage.

We understand that home insurance coverage can be hard to choose. That's why you need a company that can provide you with understanding and reliable coverage.

Towne Insurance realizes that the biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For:

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special Features You Can Choose for Additional Security:

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Forms

Home Insurance Services

Homeowners insurance provides coverage to repair or rebuild your home after events like fire, smoke, theft, vandalism, a falling tree, or damage caused by weather such as lightning, wind, or hail. Personal liability coverage and medical payments coverage are provided as well as protection over your property. This is important to review with your agent!
High-value home insurance is a type of homeowners insurance that is specifically designed for high-value homes, typically defined as property worth $500,000 or more. It's one of the most comprehensive insurance packages available, generally providing better quality coverage than a standard homeowners insurance policy.
High Value Home
Coastal Property
Coastal homeowners insurance reinstates that coverage to ensure that you are always fully protected from any storms, weather, or hazards you may encounter. Since your home is more prone to these risks, you need insurance coverage that can best address these hazards with appropriate coverage limits and fair premiums.
If your mobile home or its contents sustain physical damage from perils such as fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.
Mobile Home
Condo insurance is coverage that helps protect against losses and repair costs for a condominium unit. Condo insurance often provides protection for theft, vandalism, fire damage, water damage, and more. This policy usually covers from the walls in but can be modified to cover the exterior as well.
Rental property insurance, also called landlord insurance, covers the unique risks taken in renting out your home or condo for long periods of time. Its coverage includes property damage, liability costs and loss of rental income for landlords renting their property.
Rental Property
Short Term Rental
Short term rental coverage fills in the gaps between a homeowner's policy and a landlord policy. A good short term rental policy will cover the loss of your income if your property cannot be rented due to damages, and the resulting repairs needed to make it occupancy-ready.
Vacant structure insurance (also known as vacant home, vacant dwelling or vacant property insurance) is defined as coverage that protects an unoccupied structure during vacancy, should it sustain physical loss or damage from a covered loss.
Vacant Property
Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.
The personal articles policy ensures that your items are covered for theft, loss or misplacement, as well as mysterious disappearance. The rule of thumb is that it's covered for everything except for what's specifically excluded. These exclusions usually include wear and tear, or unlikely events.
Personal Articles
Flood insurance covers losses directly caused by flooding. ... Property outside of an insured building. For example, landscaping, wells, septic systems, decks and patios, fences, seawalls, hot tubs, and swimming pools. Financial losses caused by business interruption.

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