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North Carolina
We are proud to offer homeowners insurance in North Carolina through these financially-secure carriers, all of which maintain sophisticated reinsurance:
- Safe Harbor Insurance Company
- A.M. Best rated Surplus Lines carrier*
HO3 – Homeowners Policy
The Homeowners 3 policy form is referred to as an all-risk or open peril policy, covering your home from perils such as fire, lightning, theft and wind. The HO3 policy also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable. Personal liability and medical payments to others are also included. Ask your insurance representative about any optional coverages you may want to add. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
Available through Safe Harbor Insurance Company1 and A.M. Best rated Surplus Lines carrier*
Safe Harbor Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. The most current FSR must be verified by visiting www.demotech.com.
*A.M. Best rated Surplus Lines carrier has been assigned a Financial Strength Rating® of A++ (Superior). The most current rating must be verified by visiting www.ambest.com.