Genung & Mayfield Companies
50 South Madison St., Mooresville, IN 46158
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50 South Madison St., Mooresville, IN 46158
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32 E High St, Mooresville, IN 46158
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Learn about insurance coverage options specific to Mooresville residents.
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Yes, absolutely. Standard homeowners policies exclude all flood damage, and lakefront properties face real flood risk when storms raise water levels quickly. Even if you're not in a FEMA high-risk flood zone, you should strongly consider flood insurance through the National Flood Insurance Program or a private insurer. The cost is often reasonable for moderate-risk areas, and it's the only way to protect against rising water damage.
Your homeowners policy provides very limited boat coverage—typically $1,000 to $1,500 and only for small boats with low-horsepower motors. For any significant watercraft, you need separate boat insurance. Docks are usually covered as detached structures, but often only up to 10% of your dwelling coverage, which may not be enough to rebuild. Ask about endorsements for waterfront structures to increase this limit.
Many North Carolina insurers use a separate percentage deductible for wind and hail damage—often 1% to 5% of your dwelling coverage—instead of your standard flat deductible. On a $400,000 home with a 2% wind/hail deductible, you'd pay the first $8,000 after storm damage. Since Mooresville faces frequent severe thunderstorms and hail, understanding this deductible is crucial to avoiding surprise out-of-pocket costs.
Review your coverage annually at minimum. Mooresville home values have appreciated 8-12% per year in many areas, and reconstruction costs have also risen significantly. If you haven't updated your dwelling coverage in several years, you're likely underinsured. Ask your agent about guaranteed or extended replacement cost coverage to ensure you can fully rebuild after a total loss.
Probably not under your standard homeowners policy. Most homeowners policies exclude or severely limit coverage for business property and business-related liability. If you run any business from your home—even part-time—you need either a separate business insurance policy or an in-home business endorsement added to your homeowners policy. Talk to your agent about your specific situation.
Your neighbor's homeowners insurance pays for the damage to their property. However, if the tree was dead, diseased, or visibly hazardous and you failed to address it, your neighbor's insurer might pursue you for negligence. Your liability coverage would respond in that case. It's smart to maintain trees properly and document any professional tree service you have done to protect yourself from liability claims.
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