By Team Member | December 3, 2021

Why Get Homeowners Insurance? – Hickory NC

Hey, this is Jeff with Jeff Kincaid Insurance Group. Your home was probably one of your biggest assets. At Jeff Kincaid Insurance Group, we want to make sure your home is insured properly. Do you have enough coverage on your dwelling, other structures, personal property and liability? If your home were to burn down tonight, would you have enough coverage to build it back at today’s building costs? With guaranteed replacement cost coverage, we will replace your home, in some cases, up to 50% more than the coverage amount. Another important coverage is other structures. If you have other structures on your property that are not attached to your home, then we give you at least 10% of the dwelling coverage for those, and in some cases, it could be up to 20%, and that is in addition to your dwelling coverage.
With personal property replacement cost coverage, your belongings are covered anywhere in the world and they will be replaced without depreciation. Another important coverage is personal liability. It provides coverage for incidents occurring anywhere in the world and protects against lawsuits for which you may become liable. Do you have valuables that needs special coverage, such as jewelry, watches, or fine arts? Then we suggest you cover those on a separate floater. There are many other optional coverages, such as water backup in sewers or drains, identity theft, earthquake, equipment breakdown, and service line coverage that we offer to you when we’re reviewing your homeowners policy. Please schedule a reviewer quote with us to make sure you have the best coverage available. You can visit us at one of our five locations in Hickory, Morganton, Forest City, Shelby or Marion, or visit us online at

Call Jeff Kincaid Insurance Group in Hickory NC at (828) 328-2667

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