Union County Insurance, LLC
14 Main St, Clayton, NM 88415
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14 Main St, Clayton, NM 88415
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Clayton residents.
Complete insurance guide for Clayton, NC. Learn about new 2025 auto requirements, home insurance costs, weather risks, and coverage options for this fast-growing Triangle suburb.
North Carolina law doesn't require homeowners insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without coverage means risking your entire investment if disaster strikes.
No, standard homeowners policies exclude flood damage. You'll need a separate flood insurance policy, typically through the National Flood Insurance Program. Given Clayton's severe storm activity and occasional heavy rainfall, this coverage is worth considering even if you're not in a designated flood zone.
Your dwelling coverage should reflect the cost to completely rebuild your home at today's prices, not what you paid for it. With construction costs averaging $135 per square foot in Clayton, a 2,000-square-foot home needs at least $270,000 in dwelling coverage, plus additional coverage for upgrades and personal property.
Yes, North Carolina approved 7.5% base rate increases effective June 2025 and June 2026, totaling roughly 15% by mid-2026. This adds an average of $500 annually to homeowners insurance premiums across the state, making it more important than ever to shop around for competitive rates.
Most North Carolina homeowners policies include wind and hail coverage as standard, protecting you from hurricanes, tornadoes, and hailstorms. However, some insurers may exclude this coverage or require a separate policy depending on location and underwriting guidelines, so verify this with your agent when getting quotes.
Common discounts include bundling home and auto insurance, installing security or fire alarm systems, choosing higher deductibles, being claim-free for several years, and having a newer home with updated systems. If your home has impact-resistant roofing or other protective features, ask your insurer about additional savings.
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