Understanding Home Insurance Coverage in Hendersonville, NC

If you're buying a home or already own one in Hendersonville, NC, understanding home insurance is just as important as finding the right house. At Sutherland Insurance Company, we’ve helped local homeowners protect what matters most since 1938. We know insurance can feel confusing at first, but it doesn’t have to be. In this blog, we’re breaking down the basics of a home insurance policy, what it actually covers, and why it’s smart to review your policy regularly.

Why Home Insurance Matters More Than You Think

Your home is one of your biggest investments. If something unexpected happens, like a fire, break-in, or storm, your home insurance is what helps you get back on your feet. But here’s the thing: not all policies are the same. Understanding the different parts of your coverage can help you avoid surprises when you need help the most.

What’s Typically Included in a Home Insurance Policy?

Most standard home insurance policies include several key types of protection. Let’s walk through each one so you know exactly what you’re paying for.

Dwelling Coverage

This covers the structure of your home (walls, roof, floors, built-in appliances, and more) if it’s damaged by things like fire, wind, or hail. It’s important to have enough coverage to rebuild your home completely if needed.

Personal Property

This includes everything inside your home: furniture, electronics, clothes, and other belongings. If these items are stolen or damaged by a covered event, your policy can help you replace them.

Liability Protection

If someone is hurt on your property and you’re found legally responsible, this part of your policy can cover medical bills, legal fees, and more. It also applies if you accidentally damage someone else’s property.

Additional Living Expenses

If your home becomes unlivable after a covered loss, this coverage pays for things like hotel stays, meals, and other temporary living costs while your home is being repaired or rebuilt.

What’s Not Always Covered?

It’s just as important to understand what isn’t covered. For example:

• Flood damage typically requires a separate flood insurance policy.

• Earthquake damage isn’t usually covered unless you add it.

• Wear and tear or neglect isn’t covered by any policy.

That’s why it’s crucial to review your policy carefully and ask questions. At Sutherland Insurance Company, we’re always happy to walk through the details and help you understand what you’re really protected against.

When Should You Review Your Policy?

A lot can change in a year, and your home insurance should reflect that. You should consider reviewing your policy if:

• You’ve renovated or made major upgrades to your home.

• You’ve purchased valuable items like jewelry, art, or electronics.

• You’ve added a pet or new family member.

• It’s been more than a year since your last policy review.

Life moves fast, and so should your insurance coverage.

Get Peace of Mind With Home Insurance You Can Trust

Your home deserves more than a one-size-fits-all policy. At Sutherland Insurance Company in Hendersonville, NC, we take the time to get to know you so we can match you with the right coverage. Whether you’re buying your first home or just want to better understand your current policy, we’re here to help every step of the way.

Call us today at (828) 693-9084 to schedule a policy review. Let’s make sure your home insurance truly protects what matters most.