When finding homes for sale in Blowing Rock or the High Country area, your mind is on a million different things from inspections and loans to picking out furniture. One thing that many home buyers overlook in this critical time is homeowners insurance. Here are a few tips for making sure you are covered and how to get some discounts for your new NC mountain home as well.

 

  • Home updates are important. Any updates to plumbing, roof, electrical and heating/air within 10 years can give you a discount when insuring your mountain property.

  • Home insurance companies want the updates above within the last 30 years.

  • Age of construction can give discounts.

  • When you are away from your mountain home, anything can happen from frozen pipes to tree limbs breaking a window. Your piece of mind is your insurer's as well. Discounts can be provided for monitored alarms.

  • If you are searching for real estate as a second home in the mountains, a mountain investment property, or for retirement, then the insurance needed to cover your home can vary greatly. Types of insurance needs can be determined by the use of the home (primary, secondary, rental)

  • If you are in the market for High value  real estate ($750,000+) or log homes, they are underwritten more cautiously. Again, monitored alarms for the home are helpful in these situations.

  • Pets such as certain dog breeds and exotic pets can be a concern when insuring your home as well.

 

Insure NC Mountain Real Estate

 

If you haven't already, be sure to create an account so that you get up to the minute details on the real estate market, and to search for and save your favorite properties.  Contact us at any time to discuss your real estate wants and needs and we will be glad to help you find your dream home!