An HO-6 policy , also known as condo insurance, is property insurance for condo and co-op owners. An HO-6 contains coverage for your personal belongings, your liability, and special protection for improvements or alterations to the unit.
A dwelling policy (DP) is a kind of homeowner's insurance used to cover a house or building that the owner does not live in. Dwelling policies are usually for rental properties or more risky properties.
An HO4 policy, also called renters insurance, protects a renter's personal property and addresses their personal liability. In other words, it can help pay for: Replacing your property when it's stolen or damaged by a covered incident. ... Medical payments when you're responsible for a visitor's injury.
Flood Insurance
Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.

Are your insurance rates competitive?

As an independent broker, we represent dozens of insurance carriers. This gives us a tremendous advantage over most insurance companies, as we can meet or beat the cost of your current coverage the majority of the time.

Insuring your largest investment is a priority and we can customize a solution to fit your budget. Repairing or replacing your home is most important along with coverage for personal property. Your homeowner’s policy will also cover items that are not in your home or attached to your home.

Protecting Your Loved Ones

You see a disaster. We see a way forward.

Natural disasters are emotionally and physically difficult to face. There’s no way to know what will happen when a storm makes landfall or when a river overflows. The damage can be catastrophic even if you live inland from a coastline. And while you can’t prevent them, you can minimize the impact that hurricanes and floods can have with proper preparation.

Do you know your flood risk? https://flood.nc.gov/ncflood/

Flood Zone Classifications

Flood Zone Classifications

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