Reference · North Carolina

North Carolina Department of Insurance - Basic Homeowners Insurance (coverages A to F, special limits)

Publisher: North Carolina Department of Insurance
Edition: undated page
Last checked: 2026-09-29
Status: Publication of the North Carolina Department of Insurance, a state agency

Edition and licensing notes

Publisher. North Carolina Department of Insurance (ncdoi.gov)

Edition. undated page; retrieved 2026-09-29

Status. Publication of the North Carolina Department of Insurance, a state agency.

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What this document is

North Carolina Department of Insurance - Basic Homeowners Insurance (coverages A to F, special limits) is a reference published by North Carolina Department of Insurance (ncdoi.gov). It is one of the North Carolina documents that insurance license exam questions are written from, including north carolina property & casualty, north carolina personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

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N.C. Department of Insurance, Basic Homeowners Insurance (Coverage F - Medical Payments & Other)
“Medical payments coverage does not apply to your injuries or injuries of those that reside in your household. It is not a substitute for health insurance.”
N.C. Department of Insurance, Basic Homeowners Insurance (Coverage D - Loss of Use)
“It is important to note that your company will only pay those additional expenses above and beyond your normal and customary living expenses.”
North Carolina Department of Insurance, Basic Homeowners Insurance, Coverage C - Personal Property
“Coverage is limited on certain types of property that are especially susceptible to loss, such as cash, securities, jewelry, furs, manuscripts and stamp or coin collections. Additional amounts of insurance may be purchased. You may want to consider scheduling these items separately. Ask your agent for specifics.”

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Questions about this source

No. This page summarizes the document and links to the official version. Always rely on the text published by North Carolina Department of Insurance (ncdoi.gov) for the current law.

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