Highlands NC Homes and Homeowners Insurance

Highlands NC Homes and Homeowners Insurance

Meadows Mountain Realty, your guide to Highlands NC real estate

Highlands NC homes and homeowners insurance go hand in hand.  Insurance is necessary to protect a home when the unforeseen occurs.  As such it is essential to make sure you have the coverage you need. However it is also a good idea to understand that claims make your coverage more expensive as well.  Understanding common claims and how they may be avoided can help keep the insurance rate for your Highlands NC home low.

What are common claims?

Weather related issues are a top related claim for homes around the nation.  Of course you have no control over the weather but you do have control over the upkeep of your home.  Make sure your Highlands NC home is in good condition, prepared to stand up to tough weather.

Electrical issues can fall under the weather category with power outages caused by lightening and storms a common problem.  This is especially frustrating to second homeowners who may not know the ramifications of a power outage until their next visit.  Unplugging electronics is a good idea as is having surge protectors.  It is also helpful to have a property manager who can check in on your home.

Another common claim fall under the “personal liabilities” category. This includes slips and falls outside or inside your home.  Make sure your walkway, front steps, porch and other walking surfaces inside and outside your home are stable.  One claim can alter your future payments and add up to quite an expense over time.

Take the time to understand your home and common issues that arise due to its location.  Keeping your home maintained is one way to ward off unforeseen incidents.  Of course the unforeseen is more often that not unavoidable but the better prepared you are the more likely your home is to ride out unfortunate incidents.

Learn about real estate in Highlands NC

Contact our team at Berkshire Hathaway HomeServices Meadows Mountain Realty today to learn about Highlands NC real estate.  We welcome the opportunity to get you up to speed on the market while answering all of your buying and selling questions. Let our knowledge and experience serve as your guide helping you understand the relationship between Highlands NC homes and homeowners insurance.

Click here to read “The 7 Most Common Home Insurance Claims That Make Premiums Spike—and How to Avoid Them” from realtor.com.