Southpoint Homeowners Insurance is designed to protect the space that is your most personal investment: your home.
Analyzing Homeowners Insurance Needs
From natural disasters, fire, or vandalism, Southpoint Homeowners Insurance team is here to help protect you and your home.
As an Independent Insurance Broker, we give you choices. We are proud to represent many quality companies that provide our clients with great service and competitive prices. We are not limited to a single company with a limited set of options. We are dedicated to finding the right coverage for you at the right price.
Homeowners Insurance is designed to provide financial protection in the event of a disaster. Standard homeowners policies are packaged policies. They provide coverage for your property, both your home and its contents, as well as providing personal liability coverage.
Your Southpoint Insurance representative will provide regular evaluations on your program’s effectiveness and make program and policy adjustments as your individual needs change.
- Personal Property
- Personal Liability
- Medical Liability
- Loss of Use
- Living expenses due to damage
Homeowners Insurance Coverage:
Additional Homeowners Insurance Needs
Most disasters are covered by your homeowners policy, but there are exceptions that will need to be purchased separately. Problems that may affect your home caused by lack of routine maintenance are generally excluded from your policy. Damage caused by earthquakes is not normally covered by a homeowners policy. Earthquake coverage must be added to a homeowners policy through an endorsement or must be carried as a separate policy.
Another coverage that is not included under the normal terms of your homeowners insurance policy is damage caused by floods. Flood insurance may also be purchased on a separate policy. There may be other exceptions and non-covered events in the terms of your policy.
Remember, you should always check with us if you have specific questions about your options.
Specialty Homeowners Insurance Coverage: