Ray's And Associates 5501 Executive Center Dr
Suite 205
Charlotte, NC 28212
P: 704-568-4567
C: 704-771-9222
E: insurance@raysandassociates.com

Homeowners Insurance

Homeowners Insurance Your house is one of your largest investments. We can help you protect this large financial asset and the place you and your family call home. Home insurance is an insurance policy that protects your home structure and personal property. Your home insurance policy covers damage done to your home, the contents inside and the loss of the homes use (personal living expenses while out of your home due to damage). Your home insurance policy will also protect you against liability from an accident that might occur at your home.

At Ray’s and Associates we can also help you secure your valuable possessions under your homeowner policy. You will want to make sure that your homeowner’s insurance is placed with enough coverage to replace the house and also replace the contents inside. Our agency can help you determine how much additional coverage above the home’s value should be added onto your policy.

Damages caused by earthquakes, floods, “Acts of God” or war are excluded from a standard homeowner’s insurance policy. Special insurance policies are available to protect you from these possibilities, such as a flood insurance policy.

Most individuals borrow money to finance the purchase of their home. The lenders will require a borrower to have home insurance as part of the agreement to qualify for a home loan. This protects the lender’s investment in the event that the house is destroyed. Your home insurance payment and mortgage payment can be rolled intoone bill so the lender can ensure the borrower is paying the insurance premium.

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