North Carolina Home Insurance
It’s Not Just a House, It’s Your Home
You’ve worked hard to make your house a home. We understand that. To protect your investment, you want dependable North Carolina homeowners insurance protection at the best value. With First Pioneer Insurance, you get customized home insurance coverage that’s designed to keep up with your life.
We offer flexible, affordable home insurance coverage to meet your unique needs. You’ll get protection for your home and property against common causes of loss such as:
- Fire or lightning
- Windstorm and hail
- Theft
- Falling objects
- Weight of ice, snow, or sleet
An important part of your homeowners insurance coverage is liability protection. If someone makes a claim of injury or property damage against you or your covered family members, everything you own could be in jeopardy. Your home insurance policy protects you in situations such as claims for injury to others on or off the premises, claims for property damage to others, liability defense costs, and medical expenses for injuries to others.
Custom Fit Homeowners Protection
You may need extra protection for some things beyond the limits of your homeowners insurance policy. You can increase your home policy’s standard coverage limits for -- Credit card and depositor’s forgery; Personal property; Fine art; Money and securities; Jewelry, watches, furs; and Guns.
You can also choose from optional coverages to extend your NC home insurance protection such as dwelling replacement cost for your home, full replacement for your personal property, and earthquake coverage.
More Savings and Discounts
With First Pioneer, you receive top value for top-quality North Carolina home insurance coverage. No matter what options you choose on your homeowners insurance policy, here's how you can save even more money:
- Protective device credit – for burglar, smoke, and fire alarms
- Multiple policy discount – for placing both your home and auto insurance with one company
- Deductible options – you get premium savings when a higher deductible is selected
- New home credit – an agent can discuss details with you
Make Sure You Have Enough Coverage
If you're like most people, your home represents a large share of your financial wealth. You want to make sure you have homeowners insurance coverage that fully protects your investment. But how much is enough?
'Insurance to value' describes the amount of home insurance needed to build a replacement of your home if it is completely destroyed. The cost to rebuild is different than your home's market value, because replacement cost value includes various costs and conditions that have changed or probably weren't present when your home was originally constructed.
First Pioneer Insurance understands and our agents can work with you to ensure you get the NC homeowners insurance coverage you need.
Your North Carolina Home Insurance Specialists
At First Pioneer Insurance, we have protected citizens across the state of North Carolina since 1980. We know and understand North Carolina homeowners insurance. We also understand that what would take you 100 years to pay on an annual homeowners insurance policy, you could be liable for in a five second tragedy.
We hope nothing ever happens to your home, but you have our promise that we’ll be there if something does. Complete the Free NC Home Insurance Quote Request form today and find out how we can help protect your home.