North Carolina HO8 Insurance

North Carolina HO-8 Insurance policy is designed for older homes in North Carolina. The North Carolina HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in North Carolina are Mercury, State Farm Bureau and AAA and they operate in cities such as Charlotte, Greensboro, Winston Salem or Raleigh.


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What Will HO8 Insurance Cover in North Carolina?

A standard home insurance policy in North Carolina whether you live in Charlotte, Raleigh or Greensboro will cover most damages to your NC home and your personal belongings from perils such as fire, vandalism damage from falling objects, riots, theft, trucks or vehicles.

What is North Carolina HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in North Carolina. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in North Carolina?

The policy will cover any home in the state North Carolina such as:
  • Charlotte, NC
  • Raleigh, NC
  • Greensboro, NC
  • Winston-Salem, NC
  • Winston Salem, NC
  • Durham, NC
  • Fayetteville, NC
  • Asheville, NC
  • Wilmington, NC
  • Jacksonville, NC
  • High Point, NC
  • Goldsboro, NC
  • Shallotte, NC
  • Greenville, NC
  • Gastonia, NC
  • Cary, NC
  • Chapel Hill, NC
  • New Bern, NC
  • Apex, NC
  • Hendersonville, NC