SE01 E11 Homeowners Insurance Every Buyer & Homeowner Needs to Know | Brayden Hawkins
In this episode of Carolina Closings, Drew Ferguson sits down with Brayden Hawkins of North Carolina Farm Bureau to break down everything homebuyers, homeowners, and real estate investors need to know about insurance in today’s market. From understanding homeowners insurance policies to navigating roof claims, coastal coverage, liability protection, and umbrella policies, Brayden shares practical insights from helping over 450 families across North Carolina.
The conversation also dives into how insurance companies assess risk, why replacement cost matters more than market value, what homeowners should know before filing claims, and how life changes like renovations, investment properties, and growing families should impact your coverage decisions.
If you’re buying a home, investing in real estate, or simply reviewing your current insurance policy, this episode is packed with valuable information that can help protect your home, finances, and future.
In this episode, you’ll learn:
How homeowners insurance actually works
What is and isn’t covered in a standard policy
Roof claims, inspections, and common homeowner mistakes
Why coastal North Carolina insurance is different
How replacement cost differs from home value
The importance of life insurance for homeowners
What umbrella policies cover and who needs one
Insurance tips for investment properties and vacation homes
How bundling home and auto insurance can save money
What to expect during the claims process
Brayden also shares real stories from the insurance world, advice for homeowners navigating renovations and policy reviews, and why staying proactive with your coverage matters more than most people realize.
To connect with Brayden Hawkins: Brayden.Hawkins@NCFBINS.com
We hope you enjoyed this episode of Carolina Closings!
Drew and the Carolina Closings Podcast team :)
Connect with Drew:
Website: www.TFCgroupMortgage.com
LinkedIn: https://www.linkedin.com/in/drew-ferguson-59639074/
About Drew Ferguson: Drew Ferguson is a Loan Officer (NMLS 1304174) at Movement Mortgage, serving clients across North Carolina, Virginia, and South Carolina from his office in Cornelius, NC.
#CarolinaClosings #NorthCarolinaRealEstate #MortgagePodcast #RealEstatePodcast #NCRealEstate #HomeLoans #CarolinaHomes #RealEstateInvesting #FirstTimeHomeBuyer #MortgageAdvice #CorneliusNC #CharlotteRealEstate #MovementMortgage #RealEstateProfessionals Carolina Closings is a real estate and mortgage podcast featuring conversations with industry professionals, community leaders, and experts in the North Carolina market. Hosted by Drew Ferguson, Loan Officer at Movement Mortgage, each episode explores the stories, strategies, and insights that matter to homebuyers, real estate investors, and industry professionals across the Carolinas. Topics include home buying, mortgage lending, real estate investing, market trends, and success stories from the North Carolina real estate community.