Call Us! 336.667.9238
Stroud-Miller Insurance Service, Inc
insuring your future Home
  • About
    Get A QuoteWho We Are
    About Stroud-Miller Insurance Service
    Meet Our Staff
    Read Our Blog
    Testimonials
    Privacy Policy
    Employment Opportunities
  • Service
    Get A Quote24/7 Support
    Customer Service Forms
    Make a Payment
    File a Claim
    Policy Review Request
Blog
  • Resources
    Get A QuoteLearn More
    Secure File Area
    Event Calendar
    Important Links
    Calculators
    Important Files
    Free Reports
    Insurance Glossary
    Frequently Asked Questions
    News Center
  • Contact
    Get A QuoteGet in Touch
    Contact Us
    Our Locations
    Refer a Friend
    Join Our Newsletter
  • Quote
    Get A QuoteInsurance Quotes
    Auto Insurance
    Home Insurance
    Life Insurance
    Business Insurance
    Health Insurance
    Flood Insurance
    Recreational Vehicle Insurance
    Tax Services
    Boat & Watercraft Insurance
    Earthquake Insurance
    Windstorm Insurance
    Other Insurance
Friendly, Professional Service
Auto Insurance
Home Insurance
Life & Health Insurance
Business Insurance
Home > Homeowners Insurance Home

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
Save on Home Insurance
Auto Quote Home Quote Life Quote Business QuoteAuto, Home, Life, Business

Automobile Insurance Homeowners Insurance Life Insurance Business Insurance
  • Accident Fund-logo
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Firb 001logo
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Spacer image
  • Wellcare
Footbtn1 Footbtn2 Footbtn3 Footbtn4

Spacer imageSpacer image

Home About Service Center Blog Resources ContactGet A Quote
Stroud-Miller Insurance Services, Inc. | 103 South Bridge St | Wilkesboro, NC 28697 | Ph: 336.667.9238 | Fx: 336.667.1736 Powered by Insurance Website Builder
Picture from Homeowners Insurance at www.stroud-miller.com
Click here to navtigate to www.facebook.com Blog RSS Feed Click here to navtigate to www.linkedin.com Click here to navtigate to plus.google.com Click here to navtigate to www.youtube.com Click here to navtigate to www.yelp.com