No matter what you need insured, shouldn't your "choice" be the Total Choice?
With Total Choice Insurance Agency, the right coverage is affordable and easy!
Auto, Home, Commercial, Rental, Life, Disability ... the only "choice" is Total Choice Insurance Agency!
Owning a home is a major milestone - and one of your biggest financial investments. Homeowners insurance protects that investment from life's surprises, from storms and fire to theft and liability claims.
At Total Choice Insurance Agency, we make homeowners insurance simple and stress-free. We'll explain what coverage really includes, what it costs in our area, what's covered (and what's not), and how to find the right policy at the right price. Best of all, we shop multiple carriers to bring you competitive rates and exclusive discounts.
Homeowners insurance - also called home insurance - is a policy designed to provide financial protection for your home and everything in it. It covers property damage from events like windstorms, hail, fire, and frozen plumbing, along with personal property, liability protection, medical payments, and living expenses if your home becomes uninhabitable.
A standard policy protects:
Not sure if your current policy is enough? Get a free quote and review today.
A homeowners policy includes several core coverages working together:
Your local agent at Total Choice reviews these components during your insurance quote to ensure nothing is overlooked. Adding safety features - like smoke detectors or deadbolts - may qualify you for discounts.
Want to know which coverages matter most for your home? Let's review your options.
Homeowners insurance costs in Lincolnton, NC depend on:
At Total Choice Insurance Agency, we help control costs through personalized quotes, bundling options, and available insurance discounts.
The fastest way to know your rate? Request a free quote today.
Bundling homeowners and auto insurance is one of the easiest ways to save. Many clients see significant premium reductions by combining policies.
Total Choice handles the details, making bundling simple and seamless - while keeping your coverage strong.
You may qualify for a home security discount by installing:
Our agents confirm eligibility and apply discounts during your quote review.
Homeowners insurance typically covers:
If wind or hail damages your roof, or a burst pipe ruins flooring, your policy helps cover repairs. Total Choice simplifies claims reporting with local, responsive support.
Property damage coverage protects your home and attached structures. Repairs or rebuilding are paid based on replacement cost - after your deductible.
Maintaining your home helps avoid denied claims from wear and tear. Our agents assist with policy updates to ensure proper limits.
Personal property coverage protects belongings inside and outside your home. High-value items like jewelry may require added coverage.
Documenting belongings with photos helps ensure smooth claims. Bundling policies may unlock additional discounts.
Liability coverage protects you if someone is injured on your property. Medical payments cover minor injuries without lawsuits.
For higher protection, umbrella insurance can extend liability limits. Total Choice helps you choose the right level.
If your home is uninhabitable after a covered loss, loss of use coverage pays for hotel stays, meals, and temporary housing.
Keep receipts for reimbursement. Flood-related displacement requires separate flood insurance.
Standard policies typically do not cover:
Umbrella insurance and endorsements can fill coverage gaps. Our agents review exclusions and recommend add-ons for full protection.
Choosing the right coverage means:
A local agent ensures you're protected without overpaying.
Replacement cost - not market value - determines proper coverage. Annual reviews help adjust for rising construction costs and renovations.
Inspections uncover risks like outdated wiring or plumbing. Addressing them improves safety and may lower premiums.
A local agent understands Lincolnton risks and simplifies:
Total Choice provides personalized service you won't get from call centers.
As a trusted local agency in Lincolnton, NC, Total Choice delivers:
We guide you on replacement cost, discounts, and add-ons - so you feel confident in your coverage.
Everything is handled in one place.
Discounts may include:
We make sure you don't miss any savings.
Getting started is easy:
Protect your home the smart way - request your free homeowners insurance quote today.
What is homeowners insurance?
It protects your home, belongings, and liability from unexpected losses.
Why do I need it?
It safeguards your investment and financial future - and is often required by lenders.
What does it cover?
Dwelling, personal property, liability, and loss of use.
What isn't covered?
Floods, earthquakes, and wear and tear without endorsements.
How much does it cost?
Costs vary, but we shop multiple carriers to find affordable options.
How do I get a quote?
Contact Total Choice Insurance Agency in Lincolnton, NC - we'll handle the rest.
Request A FREE Quote
Let us give you an easy and affordable option for the coverage that you require. Please complete and submit the form below. We will then put a "Total Choice" solution together, and get back with you to discuss options to personalize a policy that is right for you. All fields are required.