Does your current policy only insure your home for its current market value? The payout may not be enough to actually rebuild your house in a total-loss situation. Biltmore offers homeowners insurance that covers the actual and entire replacement cost. Also, learn why higher coverage limits with higher deductibles tend to make sense these days. Homeowners Insurance options at Biltmore include:

• Homeowners protection
• High-value home protection
• Condominium owner’s insurance
• Renter’s insurance
• Vacation and seasonal home insurance
• Replacement-cost contents protection
• Inland marine personal articles/Valuable items
• Flood insurance

Get in touch for a quick quote or to get your questions answered.

Not sure which type of policy is right for you and your family? The major categories are permanent life insurance and term life insurance. The first typically carries a lifetime value, and the second tends to be more affordable. We’ll be glad to explain further, and ask a few questions about your dependents and finances to help determine which is right for you. The policy options here include:

• Whole Life
• Universal Life
• Joint life/Survivorship
• Adjustable/Variable Life
• Term Life

Get in touch for a quick quote or to get your questions answered.

Sometimes, it’s worth paying for extra protection in case someone is injured in an incident involving your home, your car, or your boat. Umbrella insurance is a type of personal liability insurance that greatly increases your coverage over and above the limits on your other insurance policies. This keeps you protected against potentially devastating financial liability. Your umbrella insurance policy also covers other members of your family or household. Umbrella insurance can be purchased as:

• Extended coverage for homeowners policies
• Extended coverage for auto policies
• Extended coverage for watercraft policies

Get in touch for a quick quote or to get your questions answered.

It may be hard to think about being elderly and dependent, or becoming disabled. But if you’re planning today for possible needs down the line, good for you. Without long-term care or disability insurance, the ongoing cost of care could completely deplete your savings, with nothing left for your heirs. Biltmore can provide long-term care and disability insurance options that can help cover the costs of:

• At-home care
• Assisted living facilities
• Nursing home facilities
• Adult day-care facilities

Get in touch for a quick quote or to get your questions answered.