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North Carolina HOMEOWNERS INSURANCE

Farmerbrown.com is a national insurance agency providing top of the line customer service while representing the top insurance companies in the country. After inputting the information on your North Carolina home, our software will quote multiple companies and give you rates to compare side by side instantly.


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Once you receive your North Carolina homeowners insurance quotes, you may have the option to review them with a professional agent at which time we will be able to firm up your pricing and coverages. Often times our agents can reduce the prices through additional discounts 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes. If you are having any trouble or have any questions related to the quoting process, please feel free to call us and we will be happy to help you.

Thank you for taking the time to shop your North Carolina homeowners insurance with Farmerbrown.com. We appreciate the opportunity to compete for your business and look forward to working with you.

By selecting the best policies from the nations top insurance carriers FarmerBrown.com is able to deliver coverage that represents the greatest value for you. You can obtain an HOMEOWNER INSURANCE ONLINE QUOTE, or call 1 866-QUOTE 40 (1-866-786-8340) today to find out more about the extensive insurance programs offered by FarmerBrown.com to reduce premium cost and risk. Let the FarmerBrown.com team make obtaining insurance coverage trouble-free.

The basics of North Carolina home insurance

Our insurance carriers all sell a “package” policy which is probably very similar to the policy you have or you will be buying. This policy is intended to cover the average homeowner for most risks.

The basic “package” policy includes coverage for the following:

1) Dwelling (Building)
2) Personal Property
3) Detached Structures (Detached Garage)
4) Liability
5) Medical Expenses

This is the basic package and has limitations, exclusions, and different methods used to calculate the value of a loss. The most common limitations are for jewelry, furs, guns and other collectibles; however, you can pay extra to have these items covered. The most common exclusion is for water backing up in the basement (Sewer Back-Up) and you may pay extra to have this covered as well. The different methods used for calculating a loss are replacement cost coverage and actual cash value. Replacement cost coverage means the insurance company will pay to replace your property at the cost of buying new. Actual cash value means the insurance company will give you the value of your property adjusted for depreciation.

In buying a North Carolina home insurance policy, if you make sure you have coverage for water back –up, your valuables, and replacement cost coverage, you should have a good insurance policy

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Obtain North Carolina homeowner's insurance quote now!

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