Insurance for Stonehenge homes in North Raleigh

Around Stonehenge

• Creedmoor Road
• Howard Road
• Stonehenge Drive
• Stonehenge Market
• Sawmill Road
• Strickland Road
• Millbrook Road
• I-540

Homes from the 1970s and 1980s

Most of Stonehenge was built in the 1970s and 1980s, with newer pockets added since. Some homes have been fully updated and some still have original systems. Insurance companies ask about roof age, the electrical panel, plumbing and the water heater; homes wired in the late 1960s and early 1970s sometimes have aluminum branch wiring, which some companies want inspected or remediated.

Many homes from this era have wood-burning fireplaces. Insurance companies may ask whether the chimney has been inspected and whether a wood stove or insert was professionally installed, so keep those records.

Septic systems and community water

Parts of the older sections of Stonehenge use septic tanks rather than city sewer. A homeowners policy generally doesn’t pay to repair or replace a septic system that fails from age, wear or roots, and sewage backing up into the house is usually excluded unless you add water backup coverage.

Some insurance companies offer a service line endorsement that covers damage to buried utility lines on your property. We’ll tell you which companies offer it and what it does and doesn’t include.

Big lots, pools and quiet streets

Half-acre and larger wooded lots mean mature trees, decks, backyard pools and room for trampolines and dogs. Each of those adds liability exposure, and many of the older streets have no sidewalks, so kids, bikes and walkers share the road. Higher liability limits and an umbrella policy are a sensible base.

Large trees also bring tree-removal questions. Policies often limit debris removal for a tree that falls without hitting a covered structure, so we’ll walk you through how yours works.

Selling, downsizing or moving

Long-time owners selling a Stonehenge house sometimes move out before it sells. Many homeowners policies restrict coverage once a home has been vacant for an extended period, commonly 60 days, so tell us before you move and we can arrange vacant home coverage. If you are moving to a condo or townhome, we’ll line up an HO-6 policy that starts on closing day.