Property Insurance • Charlotte, NC & North Carolina

Property Insurance for
the Place You Call Home

Whether you already own your home, are working toward a closing date, or are simply taking a fresh look at what you have in place, the questions are the same: what is actually covered, and what is not.

Benily Group helps North Carolina consumers explore available insurance options for residential property — homeowners first, along with renters, manufactured and mobile home, and home warranty needs — explained in plain language, with no pressure to decide today.

Get a Property Insurance Quote Talk With a Licensed Agent

Coverage is subject to eligibility, underwriting, policy terms, exclusions and limits. Submitting this form does not bind insurance coverage.

The address on the policy is also the address on the mail.

Homeowners first

Requests reviewed by a licensed agent

Primary Coverage

Homeowners Insurance,
Reviewed With You

Homeowners insurance is the centerpiece of most residential protection, and it is the coverage Benily Group spends the most time on. Tell us about the property and your situation, and a licensed insurance professional will review the available options with you.

Start a homeowners request

The Dwelling Itself

The structure you live in — how it is built, how old it is, and what it would take to rebuild it. These details shape which options are available and what they cost, subject to underwriting.

What’s Inside It

Personal belongings are handled differently from the structure, and limits vary by policy. It is worth knowing where those lines are drawn before you need to know.

Liability Considerations

Most homeowners policies address liability in some form. What that includes, and where it stops, depends entirely on the policy terms, exclusions and limits that apply.

Closing & Lender Requirements

If you are buying, your lender will have requirements of its own and a date attached to them. Starting the conversation early leaves room to review options rather than rush them.

Not every property qualifies for every option. Availability is subject to eligibility, underwriting, and the policy terms, exclusions and limits that apply in your state.

Other Property Needs

Separate Products for
Separate Situations

These are not variations of a homeowners policy. Each one is its own product, with its own eligibility rules, terms and limits — and each is worth asking about on its own terms.

Renters Insurance

For people who rent. It is built around your belongings and personal liability rather than the building itself, which the property owner insures separately. Subject to eligibility and policy terms.

Condo Insurance

Designed for condominium owners, with coverage needs that differ from a standard homeowners policy. Available options are subject to eligibility, underwriting, policy terms, exclusions and limits.

Manufactured Home Insurance

Manufactured homes are underwritten under their own rules, distinct from standard homeowners insurance. Construction, age and how the home is sited all factor into what may be available.

Mobile Home Insurance

A separate category again, with its own eligibility questions. Tell us about the home and its location and we will review which options may apply, subject to underwriting.

Home Warranty

A home warranty is a service contract, not insurance. It addresses covered systems and appliances that break down, and it works alongside — not in place of — a homeowners policy.

Not sure which of these fits? Choose “Not Sure / Need Guidance” on the form and a licensed agent will help you sort it out.

How It Works

Three steps, no surprises

Tell Us About Your Property

Share the basics about the property and the insurance need — where it is, what kind of home it is, and where things stand today.

A Licensed Professional Reviews It

A licensed Benily Group insurance professional reads through what you have shared and identifies which options may be available for a property like yours.

We Follow Up With You

We reach out using the contact method you chose to discuss available options and next steps. There is no obligation attached to asking.

Submitting the Benily Group web form does not bind insurance coverage.

Property Insurance Quote

Let’s Find an Option for Your Property

Tell us a little about your property and coverage needs to get started.

First Name Please enter your first name.

Last Name Please enter your last name.

Email Please enter a valid email address.

Mobile Phone Please enter a mobile number we can reach you at.

ZIP Code Please enter a 5-digit ZIP code.

Coverage Type Please choose the coverage you’re asking about.

Property Address Please enter the street address of the property.

City Please enter the city.

State Please enter the state.

Current Situation Please choose the option that fits best.

Current Insurance Status Please choose one.

Preferred contact method Please choose how we should reach you.

Anything you’d like us to know? (optional)

Submitting this form does not bind insurance coverage. No obligation to purchase.

Get Started

Let’s Look at Your
Property Together

Send us the details and a licensed Benily Group insurance professional will review the available options with you. There is no obligation to move forward.

Get a Property Insurance Quote Contact Benily Group

Coverage is subject to eligibility, underwriting, policy terms, exclusions and limits.

Important Disclosures

This page is for general informational purposes and is not an offer of insurance, a policy, or a guarantee of coverage. Submitting a request through this website does not bind insurance coverage and does not create a policy. Coverage is subject to eligibility, underwriting approval, and the policy terms, conditions, limitations and exclusions that apply. The policy and declarations issued by the applicable insurer control in the event of any difference between this website and the policy.

Product availability, pricing and policy provisions vary by state, insurer, program and by the individual property. Not every property is eligible for every product described here. Homeowners, renters, manufactured home and mobile home insurance are separate products with separate eligibility rules; a description of one does not describe the others.

A home warranty is a service contract covering specified systems and appliances, not an insurance policy, and it does not replace homeowners insurance. Its terms, covered items, limits and exclusions are governed by the service contract issued.

Benily Group LLC is a licensed insurance agency. Nothing on this page should be relied upon as legal, tax or financial advice.
Benily Group LLC — NC Entity License #3004100746
Remono Smith — NPN #18803001