Real Life Home Insurance Claim

A DEER IS BEAUTIFUL TO LOOK AT, BUT THEY CAN CAUSE A MESS IF THEY GET INTO YOUR HOUSE.

Deer jumps through patio glass door. The deer is hurt and bleeds on the floors, carpets, furniture, rugs, bedding, clothes and much more. The deer also causes a lot of damage to walls, cabinets, and windows.

Is the homeowner covered? Will their insurance policy pay for the damage? It depends. It depends on what type of Homeowners Insurance policy they have purchased.

There are several types of Homeowners Insurance policies in North Carolina.

Stand Homeowners – Most Sold Policy (HO-3)
1. Will pay for the structure damage but not your contents damage
Enhanced Homeowners (HE-7)
1. Will pay for the structure damage AND the contents damage
Modified Homeowners (HO-8)
1. Will not pay for any of the damage

I don’t want to make you experts in insurance, but I do want you to know that not all insurance is created equally.

Coverage matters when you need it to matter. If you have any questions about your insurance program, now is the time to talk to your agent.

As always, feel free to reach out to me or my team at Tristar Insurance Services, LLC of Dunn to review your insurance policies. We are here is you need us.

Rodney Stewart, Agency Owners

Tristar Insurance Services of Dunn NC