Homeowner’s Insurance

What Can a Homeowners Insurance Policy Cover?

  • Your Residence – Dwelling

  • Detached Structures (such as sheds and side buildings)

  • Your Personal Belongings (Including when you’re away from home.)

  • Loss of Use

  • Personal Liability

  • Medical Expense

These major areas of coverage are all supported through our various carriers, and Trey Siner Insurance Group can make sure you have the right policy to fit your needs.

Homeowners insurance can cover the dwelling so that your home can be repaired or rebuilt in the event of damages such as fire, hail, or lightning. It can also cover your personal belongings inside your property, such as furniture, clothing, and more, in the event that your items are stolen or destroyed in an insured disaster.

Loss of Use covers a place for you to stay and extra expenses if you are forced out of your home because of damages. You coverage will set up a place for you to live while the repairs are being made. Some carriers, for example Erie Insurance, cover the mortgage payment if a covered peril claims leaves you out of your home for more than 30 days while repairs are made.

Lastly, homeowners insurance can cover liability. Liability protection offers you coverage against a number of incidents that could cause harm to others, and also protects you from lawsuits based on those incidents. If someone is injured on your home property, personal liability and medical expense would protect you. Other covered incidents would include but are not limited to:


  1. a pet bites someone

  2. you have a cord stretched across a floor causing someone to fall and suffer injuries

  3. your negligence leads to bodily injury or damage to the property of others

In addition to these common areas of coverage, there are many add-on options, such as flood and earthquake, identity protection, coverage for valuables such as jewelry or art, back up of water and sewer, liability extension to other properties you own and much more. If you have specific questions about what can be covered, Trey Siner Insurance Group’s staff will be more than happy to answer any of your concerns.

We promise a lot and deliver even more.

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247 Church Street NE, Concord, NC 28025

(704) 795-6878

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