(704) 857-9512 China Grove, NC

(704) 784-3300 Concord, NC
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Homeowners Insurance

Need a Homeowners Insurance comparison in the Concord, China Grove area?

If you’re like most homeowners in the Concord, and China Grove area, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

The Jason Bentley Agency can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Regardless of whether you live in China Grove or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

China Grove and Concord Homeowners Insurance

If you’re not using an agent in your hometown like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

How to get started with your homeowners quote:

Every home is unique, and therefore requires a carefully crafted policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

One of the best things about our experience with this agency is the immediate response we always receive. In addition, the kindness and 'family feel' of being a long time customer makes us feel safe and appreciated.
Bonnie McNay
Bonnie McNay
Great and easy to do business with. :)
Evelyn Nicole Phillips
Evelyn Nicole Phillips
I just had a phone encounter with Dana Campbell to assist one of our insured with getting a new vehicle purchase added to their auto policy. Dana was very helpful and demonstrated her knowledge in this process. She is a pleasure speak to.
Jessica Phillips
Jessica Phillips
Quick turn around and responses. Very professional
A Floyd
A Floyd
Darrell Yarborough has always taken care of me and my family, any time I have ever called for information he’s always quick to help me out, always friendly and quick.
Jon Efird
Jon Efird
I have been with Nationwide for many years. Jason Bentley and his staff are friendly, helpful, and knowledgeable. These people will take care of you and treat you like family.
Angie Bailey
Angie Bailey
Great customer service.
Cheryl McClellan
Cheryl McClellan
Jason is the best! I recommend everyone I know to him!
Jen Mugnano
Jen Mugnano
Dana is fantastic. Knowledgeable, helpful and quick to respond!
Nancy Nesbit
Nancy Nesbit
Save me some$$. Switched from State Farm Insurance. Been with State Farm Insurance for 28 years. Just kept going up on their prices and found it for basically the same coverage for less$. It really pays to compare Insurance coverage no matter how long you've been with a company.
M Honeycutt
M Honeycutt
Dana has absolutely assisted our family for years with insurance issues. This last week she went above and beyond and even after hours to assist again. She is absolutely gold. Give her a raise Mr. Bentley...
John Andrews
John Andrews
We have always had excellent service from this agency because of Dana! We love her and her excellent knowledge that comes from experience. Highly recommend!
Angel Teems
Angel Teems
I am not exaggerating when I say that I am so excited to have Nationwide as my insurance agency! I was a Nationwide customer years ago, and I am happy to be back with such an incredible agency. The agents respond to emails very quickly and always answer the phone when I call the office. I am super happy to partner with such an amazing group of individuals to protect my family, vehicles, and home!
Alex Ventura
Alex Ventura
Very helpful and responsive to my questions and needs. I would highly recommend this agency to you.
Marvin VonCanon
Marvin VonCanon
Very responsive ,Always ready to help, Great friendly service.
Michael Chisholm
Michael Chisholm
Jason provides a level of personalized service that is unbeatable. He is easy to work with, quick to respond to questions and is very knowledgeable about the insurance profession. I’ve worked with him on both business, homeowner and auto policies.
Ashley Goodnight
Ashley Goodnight
I’ve been with your company for 20 years. Carissa is the best. She is amazing at what she does. Very compassionate. Heart of gold and really is an amazing person. Couldn’t ask for a better person handling my policy 💗
Angel Mae
Angel Mae
i’ve been with state farm for awhile until nationwide quoted me HALF of what i was paying. dana has taken very good care of me and made everything as easy as possible.
Jordyn Kroger
Jordyn Kroger
CARISSA KISER IS AWESOME- BEST CUSTOMER SERVICE OUT THERE AND KNOWLEDGEABLE AS WELL!
Marcie Pack
Marcie Pack
I have had insurance with the Jason Bentley Agency for a few years. Everyone at the Agency has had exceptional customer service. I have had to make some special requests or have asked crazy questions; 99.9% Carissa gets my call. She is always extremely nice and patient. Carissa makes calling easy and I feel she goes over her duties to make sure I am taken care of. Thank you to the Jason Bentley Agency and Carissa for providing exceptional service and support.
Amber Thomas
Amber Thomas
Jason is the best! Super responsive and easy to work with. I've worked with many different insurance agencies and his customer service is definitely the best. Highly recommend if you are looking for new insurance coverage!
Stacy Mackin Melton
Stacy Mackin Melton
The Bentley agency has providing me superior service for the last 8 years for auto, home, and life insurance policies. I would recommend them for all your insurance needs.
Riaz Kosi
Riaz Kosi
Jason is awesome!! Always has the best customer service. Would recommend him to anyone
heather Tilden
heather Tilden
Always get treated with respect have been going here for years
Luis angeles
Luis angeles
We been in partnership with this agency since 2002. Their customer service is hard to beat! Always responsive and willing to help out at a moments notice.
Suzanne Creed
Suzanne Creed
Excellent, very timely and professional service. Would definitely recommend this agent and office to any and everyone. We got just what we needed for our auto and home insurance. Great job to Jason and his office.
Logan Carl
Logan Carl
Great service! They resolved my issue in one phone call! We would refer them to anyone!
Don White
Don White

(704) 857-9512

1435 N. Main St. China Grove, NC 28023​

(704) 784-3300

646 Church St. N Concord, NC 28025