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Renee K. Cooney, PLS, ABR®, SRES®
Owner / Broker / Realtor®      NC Real Estate Instructor  & Surveyor

 

Cell: (828) 371-4360

 Office: (828) 369-3000

Fax: (828) 369-3609

Legacy Properties by Renee

459 E. Palmer St.

Franklin, NC 28734

 

Email: Renee@PropertiesByRenee.com

reneekcooney@gmail.com 

www.PropertiesByRenee.com

 

LEGACY AGENTS:

Heather Ball, Broker Associate

Cell: (330) 205-9885

Heather@PropertiesbyRenee.com

Jack Lurie, Broker Associate

Cell: (239) 233-9006

jackmlurie@gmail.com

People take out homeowners insurance for the same reason they take out car and health insurance: If a home is damaged or someone else injured on the property, insurance helps owners cope with the financial consequences. Homeowners insurance is actually a combination of two different types of protection, hazard insurance and liability insurance

Hazard Insurance

Hazard insurance protects you against unintentional damage or destruction to your house or its contents, including fire, storm, theft, vandalism and similar threats. It can cover the cash value of the damages or the replacement value; replacement value pays enough to replace what you lost, but cash value only pays what a property is worth. The cash value for a five-year-old $1,000 television won't be $1,000, for instance, because it depreciates with age, making it worth less in the insurer's eyes.

Liability

Liability insurance covers personal liability for accidents on your property. If your neighbor trips on a hose in your yard and breaks his ankle, for example, liability insurance will pay for his medical expenses, up to the policy limit.

 

Flood Insurance

Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk.

 

Remember...Insurance and taxes can be held in escrow if lending is involved.

Farm Bureau

828-524-6147

1866 Highlands Road, Franklin NC 28734

http://www.ncfbins.com/macon-millsaps/maconcountyoffice.html

 

State Farm

828-524-6461

409 Georgia Road, Franklin NC 28734

https://www.statefarm.com/agent/US/NC/Franklin/Amy-Manshack-5JBL33T8000

 

Wayah Insurance

828-524-4442

295 East Palmer Street, Franklin NC 28734

http://www.wayah.com

 

Franklin Insurance

828-524-3213

372 West Main Street, Franklin NC 28734

http://www.franklinncinsurance.com