Homeowner's Insurance

Protecting your home in the event of natural disasters, fire, flooding, and other risks is foundational. But that doesn't mean all homeowner's insurance is created equal. Most homeowner's policies have specific limits built in for your possessions that hold the most personal value to you – jewelry, art and many other collectable items.

Are you SURE they're covered on your current policy?

Don't find out the hard way whether your policy excludes those belongings that mean the most to you! Our agents have many years of experience in property and casualty insurance, and we're happy to review your current policy to point out any exclusions to you. The most common mistake is assuming that every policy covers every item.

Enjoy the peace of mind by having your home and its most precious contents protected with insurance designed with your needs in mind from the professionals at Charlotte Ray Insurance. Contact us now!

Coverage Options include:

  • Homes
  • Rental property
  • Townhomes
  • Apartments
  • Condos
  • Mobile Homes
  • Vacant Homes
  • Homes under construction
  • Fire Policies
  • Flood
  • Umbrella
  • Fine Arts Endorsement
    (jewelry, artwork & collectibles)
  • Multi Policy Discounts
    and other discount programs are available.