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Navigate Home Insurance Options, Add-Ons, and Questions to Ask Your Agent

Quick Guide to Home Insurance in 2022 by Peterson Insurance Group

Ultimately, your home should be your comfort zone. Vintage or modern, renovated or custom - your home is more than a place. It's a feeling. The best way to make sure you feel "at home" is by ensuring that you are fully protected. Choosing the right coverage for your new home can seem daunting. There are so many options and considerations, the search can feel overwhelming.

Did you know, home insurance policies vary widely not just from company to company, but also vary by state and region. That's why it's important to have a local agent to advise you on coverage options. At Peterson Insurance, our agents will meet with you, explain your options, and give insight into the best choices for homeowners in Western North Carolina. We can guide you through the process and take the stress out of choosing your home insurance.


Your local agent can help you decide which homeowners coverage options make the most sense for you and your family. Depending on which insurance you choose, our agents can help you customize your coverage with extra features that won't break the bank.

Every policy should come with a basic framework of protection - though add-ons and features can and should be customizable. A Peterson agent can help you protect what's most important to you.

Add-ons and Extra Coverage Options Include:

1. A worldwide personal property coverage with a choice of Replacement Cost Value or Actual Cash Value.

2. Broad theft coverage, including "mysterious disappearance"

3. Coverage for valuables, hard-to-replace items, cash and precious metals


If you're new to homeownership, it's impossible to anticipate every issue that may arise. That's why it's a good idea to have a list of questions ready for your insurance agent. Here are a few things to make sure you ask your agent about before choosing your home protection policy:

  • Replacement Cost v. Enhanced Replacement Cost protection on the dwelling

  • Actual Cash Value v. Replacement Cost Value on your home's contents.

  • Watercraft and Trailer coverage

  • Business property on and off the premises

  • Loss of Use which covers living expenses when a covered loss prevents you from staying in your home.

  • Land replacement and restabilization

  • Lock replacement


Believe it or not, it is possible to pack value into your home coverage. There are several additional protections that an experienced local agent can help you choose from that will keep you covered without breaking your budget. Be sure to ask your agent about all the optional extras:

  • Limited Water Backup and Sump Discharge or Overflow Coverage

  • Identity Recovery Coverage

  • Permitted Incidental Occupancies

  • Scheduled Personal Property

  • Earthquakes and Floods

PERSONAL: The Added Value

At the end of the day, the real value added is service. By choosing Peterson Insurance, you make sure that an experienced and friendly agent is on your side. You shouldn’t have to choose between good coverage, and good customer service. You deserve both.

Don't dig yourself a hole searching for the right home insurance. Instead, allow our experts to show you the way. Get the coverage you need at a price that fits your budget.

Contact our agents today at 828-645-8777.


Peterson Insurance Group is a family owned and operated independent insurance agency representing multiple insurance companies located in Weaverville, NC. Founded in 2001, the company is owned by Eirene Peterson-Burnette, the successor to the founder, Stom Peterson. Together, with her team, Peterson Insurance provides exceptional, personal service guiding customers through the maze of insurance options. Visit us at 1 South Main Street Extension, Weaverville, NC 28787 or call 828-645-8777.

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