Whether you own or rent your home, you know that you can’t afford to be without property insurance. NC Grange Mutual offers many home insurance products that can protect both your home and its contents. Regardless of which insurance policy meets your specific needs, NC Grange Mutual’s products are among the best. We take pride in our high quality, competitively priced policies which provide the coverage you and your family need should a covered loss occur.
Available Plans
Homeowner
Our standard homeowner plans provide protection for newer homes and renovated homes that are well-maintained regardless of age. These plans provide protection from multiple perils for both physical damage and liability.
These are “package type” policies that offer various types of coverage under one policy; this ensures you’re fully covered for whatever may happen!
Mobile/Modular Homes
A mobile home policy is a package policy much like the homeowner policies. In fact, we write most of our mobile homeowner policies using the same coverage forms as our homeowner or farm owner policies.
The mobile home policies we offer cover newer masonry underpinned higher valued mobile/modular homes or well-maintained double wide and singlewide mobile homes established prior to 15 years or age. Coverage for mobile homes that meet these criteria and are situated on farms is also available.
Tenant Homes and Mobile Homes
We also provide coverage for tenant housing and dwellings that do not otherwise qualify for any of the other homeowner products. These policies range from protection from the basic named perils of fire, lightning, windstorm and hail to a special form which covers perils unless specifically excluded in the policy.
Check with one of our agents to see which product best meets your needs.
Additional Coverages
In addition to the built-in protections of the policy type your agent recommends, several optional coverages are also available depending on your needs. These include coverage for water backup, food spoilage in the event of a power outage, scheduled personal property, damage from earthquakes, and guaranteed replacement of up to 25% in the event your home is underinsured, and more.
Be sure to check with your agent to determine which of these additional coverages are available or recommended for your property.
Cost Savings
It’s important to do what you can to ensure that your policy’s premium is something you can afford and billed in a way that makes it easy to pay without risk of cancellation. Fortunately, NC Grange Mutual is here to help!
There are a few ways to reduce your premium. The most common way to achieve this is by adjusting your policy’s deductible. Your policy’s deductible can be increased to reduce your annual premium or decreased to reduce the amount of out-of-pocket expense in the event of a claim at the cost of a higher annual premium.
In addition to adjusting your deductible, premium credits are offered to those with a qualifying alarm certificate. You can also lower coverage for contents while maintaining replacement cost coverage.
Payment Plans
Paying the annual premium in one lump sum isn’t ideal for everyone. NC Grange Mutual offers several different payment plans so that you can pick the most convenient and affordable option for your unique situation. In addition to the standard annual prepaid method of payment, we offer three-pay and five-pay plans that are billed bi-monthly. Lastly, a twelve-pay option is available which sets up recurring payments directly from your bank account on the same date of each month. With the twelve-pay recurring plan, forgetting to make a payment is no longer a problem!
Some coverages or discounts may not apply depending on the plan. Some exclusions and limitations may apply. Please see an agent near you for assistance in determining your insurance needs and the plans and coverages available to you.