Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Back
Scroll to top

How to Get a Custom Homeowners Insurance Quote Without a Calculator

Homeowners insurance may not be the most exciting part of buying a home, but it’s one of the most important. Buying a home is probably your biggest investment, so use every tool to make sure that you’re covered. Homeowners insurance calculators are powerful tools toward that end, but they aren’t always tailored to you. Contact First Bank Insurance Services for a free quote, and one of our experts will contact you within 48 hours to discuss what best fulfills your homeowners insurance needs.

Customized Homeowners Insurance From Your Community Bank

As a homeowner, it’s important to know you’re protected from unexpected disasters and your policy is reliable and cost-effective. That’s why First Bank Insurance Services provides insurance programs that utilize a custom design to fit your specific needs. As a representative of several leading insurance carriers, we’re able to provide you with quality products, competitive rates, and consistently excellent service. Our experts work with you to find the best home insurance solution for you at an affordable, competitive rate.

What You Need to Know About Homeowners Insurance

Basic homeowners insurance only covers damage caused by “fire, theft and certain natural disasters,” meaning you may have to purchase additional coverage depending on where you live and what materials were used to construct your house. For example, you may want to consider a home warranty to cover repairs and replacements that home insurance won’t cover.

According to Forbes, there are 4 Costly Homeowner’s Insurance Mistakes to Avoid:

  • Under-insuring your house. Without enough insurance to cover the cost of rebuilding your house if destroyed, you may be left in a financial crisis following a disaster. You should calculate the cost of rebuilding your house and make sure your protection matches that cost. Additionally, you might consider coverage for your valuables.
  • Assuming you have flood insurance. Depending on where you live, flood coverage could be essential. Many homeowners are unaware that basic coverage does not include flood insurance, but for those living in coastal or other flood-prone areas, that extra coverage is critical.
  • Thinking you have one, flat deductible. It’s common to assume that your policy has a set deductible (usually between $500-$1,000), but that’s not necessarily true. Depending on the cause of damage — hurricane, windstorm, earthquake, and so on — your deductible could increase dramatically if your insurance has different deductibles. You might be able to switch to a policy with a flat-rate deductible, depending on your insurance provider; if not, you’ll need to maintain an emergency savings fund just in case.
  • Believing you’re covered for mold or sewage backup. This is another kind of coverage that many basic policies don’t provide. Additional insurance for mold can run at a high price, so it’s important for you to evaluate the humidity levels where you live and find out if your home was built without mold-resistant materials (a common problem in older houses).

At First Bank Insurance Services, you’re not just another number. You’re our neighbor, and we want to provide you with the best possible service to cover your home or business when disaster strikes. Contact us today to learn more, and get a free homeowners insurance quote.


*Investment and Insurance Products are NOT Bank Deposits, NOT FDIC-Insured, HAVE NO Bank Guarantee, NOT Insured by any Federal Government Agency, May Go Down in Value.

———

Sources:

Homeguides: http://homeguides.sfgate.com/average-cost-homeowners-insurance-3020.html

III.org: https://www.iii.org/article/can-i-own-home-without-homeowners-insurance

Work with a local mortgage specialist

Trending Topics

Small Business Line of Credit

Obtaining a line of credit for your small business can help your entrepreneurial spirit take the company to the next level. This line of credit can be a more affordable option than a business loan because you only pay...

Local Bank in High Point, NC – First Bank

First Bank began as a local bank with a single branch located less than 50 miles from High Point, NC in 1935. Despite branching out to nearly 100 locations since, our local zeal remains firmly planted in our roots. For a...

Looking for Banks With Mobile Deposit in Salisbury, NC?

No need to worry about making it to the bank before the doors close to deposit a check. If you have a bank with easy mobile deposit services such as First Bank in Salisbury, North Carolina, you can make the deposit...

Need Help Financing a Wedding in North Carolina?

If you need help financing a wedding in North Carolina, just seek out one of 100+ First Bank locations scattered from Asheville to Kill Devil Hills. We offer a variety of loans that can help you finance the wedding of...

Get a Convenient Student Checking Account Today

Wondering where to get a student checking account? At First Bank, we know that the last thing students need to worry about as they continue their education is managing their money alone. With our Campus Checking...

High-Interest Savings Accounts in South Carolina

Why should I settle for a regular savings account when I can take advantage of a high-interest savings account? If I’m going to store my money away, I may as well get the highest interest on it that I can. While the...

Mastercard Business Card with Rewards

Business owners use credit cards to pay for most business expenses. It’s important to have a business credit card that enables you to get the most out of your money. Discover your credit card options at First...

Long-Term Installment Loans

First Bank offers long-term installment loans and other types of lending that help small businesses cover expenses. The government-backed Small Business Association (SBA) helps business owners acquire...

List of Banks Headquartered in North Carolina

The fact that North Carolina is home to a large number of banks might surprise you. Over the years, the Tar Heel state has become a hub for banks of all sizes. Many community banks, like First Bank,* are headquartered in...

Best Bank to Open a Checking Account

Are you looking to open a checking account but are having trouble finding the right bank? You shouldn’t have to settle for a bank that doesn’t meet all of your needs. First Bank focuses on the needs of all...