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High Point is more than just the "Furniture Capital of the World." It's a city of established neighborhoods with character, a growing downtown, and a community that takes pride in homeownership. From the historic homes of Emerywood and Johnson Street to the newer developments off Eastchester Drive and Skeet Club Road, High Point's housing stock is as diverse as its residents. And as your local agency — right here on NC Highway 68 — we've seen firsthand how the right insurance coverage can make the difference between a minor inconvenience and a financial catastrophe.
The Unique Risks High Point Homeowners Face
Every city has its own insurance personality, shaped by geography, weather patterns, housing stock, and local conditions. High Point is no exception. Here are the risks that make our city unique:
Severe Storms and Hail
The Piedmont Triad is one of the most hail-prone regions in the eastern United States. High Point's location — between the Blue Ridge Mountains and the Atlantic coast — creates atmospheric conditions that are perfect for severe thunderstorms from March through June. We see significant hailstorms almost every year, and the damage to roofs, siding, and vehicles can be substantial. In 2023 alone, Guilford County had over $15 million in hail-related insurance claims.
What many High Point homeowners don't realize is that their wind/hail deductible is separate from — and usually much higher than — their standard deductible. If your home is insured for $250,000 and you have a 2% wind/hail deductible, you're on the hook for $5,000 before your insurance pays anything. We always recommend that homeowners know this number and have a plan to cover it.
Older Homes and Aging Infrastructure
High Point has a wonderful inventory of older homes, particularly in neighborhoods like Emerywood, Washington Terrace, and the areas surrounding High Point University. These homes have charm and character, but they also come with insurance considerations that newer homes don't. Older electrical systems (especially knob-and-tube wiring), aging plumbing (galvanized or polybutylene pipes), and original roofing materials can all affect your coverage and your premiums.
If you own an older home in High Point, it's worth having a conversation with us about whether your current coverage adequately addresses these risks. We can often find ways to improve your coverage while keeping your premiums manageable — for example, by adjusting your deductible structure or adding specific endorsements for water backup or equipment breakdown.
Water Damage — The Silent Threat
Water damage is the most common homeowners insurance claim in High Point, and it's not always from storms. Burst pipes during winter cold snaps, water heater failures, washing machine hose ruptures, and sump pump failures account for thousands of dollars in claims every year. High Point's clay-heavy soil can also contribute to foundation issues that allow water intrusion during heavy rains.
Your standard homeowners policy covers sudden and accidental water damage (like a burst pipe), but it does not cover gradual damage (like a slow leak behind a wall) or sewer/drain backup. We strongly recommend adding a water backup endorsement to your policy — it typically costs only $30-$50 per year and covers damage from sewer lines, drains, and sump pump failures. For a city like High Point, where many homes have basements or crawl spaces, this is essential coverage.
Getting Your Dwelling Coverage Right
One of the most important — and most misunderstood — aspects of homeowners insurance is dwelling coverage. This is the amount your policy will pay to rebuild your home if it's destroyed, and it should reflect the current cost of construction, not your home's market value or what you paid for it.
High Point's construction costs have risen significantly in recent years. Labor shortages, material cost increases, and supply chain disruptions have pushed the cost per square foot higher than many homeowners realize. A home that would have cost $150 per square foot to rebuild five years ago might cost $200 or more today. If your dwelling coverage hasn't been updated, you could be significantly underinsured.
We use Our replacement cost estimator to help High Point homeowners determine the right amount of dwelling coverage. This tool accounts for your home's size, construction type, features, and local building costs. We recommend reviewing this number every year, especially if you've made improvements like a new kitchen, bathroom renovation, or roof replacement.
The Bundle Advantage for High Point Families
High Point families who bundle their auto and home insurance with us can save up to 25% on their combined premiums. But the real value of bundling goes beyond the discount. When we manage all of your policies, we can ensure that your coverage is coordinated — that there are no gaps between your auto liability, homeowners liability, and umbrella coverage. We can also streamline your billing, simplify your claims process, and make sure you're taking advantage of every available discount.
Common discounts for High Point homeowners include: new home discount (homes built in the last 10 years), protective device discount (security systems, smoke detectors, water leak sensors), claim-free discount, and loyalty discount. Many of our clients are surprised to learn how much they can save when all of these are applied together.
Why a Local Agency Matters
There's a reason we chose to build our agency right here in High Point. We live here. We raise our families here. We know the neighborhoods, the weather patterns, the local risks, and the community. When a hailstorm rolls through and you need to file a claim, you're not calling a 1-800 number — you're calling Cheryl, Justin, Ryan, or Brian. We'll walk you through the process, help you find a contractor, and make sure your claim is handled fairly.
Our office is at 2762 NC Highway 68 S, Ste 105 — in the Heron Village shopping plaza, near Duck Donuts. Stop by anytime for a free coverage review, or call us at (336) 203-0000. We're here Monday through Friday, 9am to 5pm, and Saturdays from 10am to 2pm. We also offer evening appointments by request, because we know that protecting your home shouldn't have to wait until your day off.