Your home is one of the biggest investments you will ever make. It is also your safe haven and the place where you spend the majority of your time. Protecting your home in the event of a loss is a concern to all homeowners. You can sleep better knowing your assets are protected with us!

We insure your home based on the replacement value of the dwelling. Your personal contents, other structures, loss of use and liability protection are also part of the standard homeowner policy. Liability protection is inexpensive and wise to carry in higher limits! The minimum we suggest anyone carry is $300,000. Most companies offer $500,000 in coverage for an additional average premium of only $12.00 a year! Liability protects you in the event that someone gets hurt on your property or if your dog bites someone off the property. Liability insurance protects the homeowner from lawsuits.

It is strongly advised that you take photographs or a video outside and inside your home to document what you own. If you have a total loss it will be impossible to remember everything you had in the home! Documentation will not only allow you to remember what you lost but will speed up the claim process. Keep the documentation in a safe place outside the home in the event you need it.

If you own a "collection", you can purchase insurance that covers "listed items."
These items may include jewelry, art, expensive rugs, furs, guns, china, etc.
Insurance policies have limits on many of these items. It can be as low as $500-$1,000! If you require additional coverage, the items must be listed on your policy.
This coverage is in-expensive and offers you protection in the event something may be broken, stolen, lost or even misplaced. A detailed list of the items you need to schedule is required to have these items individually listed on your policy. Items valued over $10,000 each will require a current appraisal to be submitted to the insurance company.

We insure stick-built homes, log homes, modular homes, mobile homes (both single & doublewide), and travel trailers. We also insure Primary residences and Secondary residences in North Carolina. If you have a secondary residence in North Carolina but live in another state, we can insure you here if your primary company is a company that we represent through our agency. In some situations, we can write a stand alone secondary residence in NC even if you do not have insurance with one of our companies. Contact us if you fall into this situation so we can advise you.

Renter's Insurance is offered to clients that rent apartments, townhomes, condo's, trailer's and homes. This policy is one of the most affordable you can purchase! Everyone renting should have a renter's policy to cover their personal property. Most people DO NOT have this coverage and in the event of a total loss such as fire, they loose everything they own! $20,000 minimum coverage costs around $125.00 year or a little more than $10.00 a month to have. The renter's policy covers your clothing, furniture, electronic equipment and all personal property. Replacing your clothing alone costs more than most people would imagine! This policy aslo provides liability protection in case someone gets hurt within the walls of the dwelling you are renting.

If you believe that you have a homeowner loss contact The Williams Company.
When you call the company we have you insured with to inquire about a potential loss, they may open a claim without your knowledge. Our agents will review on a case by case basis if your claim is a covered loss. If it is, we will file the claim for you! If not, we will explain the reason? For example if the loss is less than your deductible, this would not be something to file a claim on. Claims can count against you and make your insurance premiums go up for a period of 3-5 years. If you call us first we can quickly let you know if a lost is covered as a claim.