Home Insurance

Asheville’s Finest Insurance Agency

Specializing in Homeowners Insurance Policies



It’s your home and you want to protect it with the right homeowners insurance policy. To do that, it’s important to understand what a standard homeowners insurance policy includes. Call Riders Insurance Services LLC for your personal coverage review and receive a free insurance quote today. As an independent insurance agency, we search through a network of some of the nation’s top providers in order to find the policy that’s right for you.


New From Progressive Insurance, Homeowners and Renters Insurance is now availabe in North Carolina and South Carolina. Riders Insurance Services LLC is one of a select few agencies offering Progressive Home Advantage.  Bundle your Auto and Home or Renters Insurance with Riders Insurance Services and Progressive and receive some of the best rates and highest discounts available in North Carolina.

Call or stop by now for a free quote

We also offer Home Insurance from Nationwide, Safeco, Travelers, Kemper, Metlife, Foremost, Allstate, Progressive, Heritage P&C, Universal, United P&C, and Bankers Insurance Group.

Our Rates are very hard to beat….In Both North and South Carolina.

4 Components of Homeowners Insurance:

 • Coverage for the Structure
of Your Home
• Living Expenses
 • Coverage for Your Personal
• Liability Protection

Your House
This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disaster listed in your policy. It generally does not pay for damage caused by a flood, earthquake, or wear and tear. When purchasing coverage for the structure of your home, make sure to buy enough to rebuild your home. Also, review this coverage on an annual basis to make sure you have sufficient coverage.

Your Personal Belongings
Your furniture, clothes, and other personal belongings are usually covered if they are stolen or destroyed by fire, hurricane, or other insured disasters. Most companies provide coverage between 50% to 70% of the amount of insurance you have on the structure of your home. The best way to determine if this is sufficient is to conduct a home inventory. Expensive items such as jewelry, furs, and silverware are covered but there are usually dollar limits if they are stolen. To insure these special items to their full value, consider purchasing a special personal property endorsement.

Liability Protection
Liability protects you against lawsuits for bodily injury or property damage that you or family members cause to someone else. It also pays for damage caused by your pets. In addition, the liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit of your policy.

Your policy also provides no-fault medical coverage. If a friend or neighbor breaks an ankle playing basketball in your backyard, he or she can simply submit medical bills to your insurance company. Expenses are paid without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage.

Additional Living Expenses
If you your home is damaged because of a fire, storm, or other insured disaster and you can’t live in it, this coverage pays the costs of living someplace else while your home is repaired or you find another place to live. While your home is being rebuilt, hotel bills, restaurant meals, and other living expenses are covered. Coverage for additional living expenses differs from company to company.

Contact our insurance agency in Asheville, North Carolina, FOR a FREE Homeowners Insurance Review. You can also click on the Get Quotes button on the right, to start this process Now.

Learn more about our types Home Insurance:

Homeowners Insurance

Condo Insurance

Renters Insurance