Homeowners

Your Policy Based On Your Needs

Our home insurance policies are written with your needs in mind. Most insurance companies design boilerplate policies to cover everyone.
Don’t pay more because:

Someone lives in a place where frequent disasters occur.
Others have a home that is older or out of date.
Some properties aren’t properly maintained.

Your policy should be based on your specific needs, not those of someone in another state. As North Carolinians who live and work in the same communities as you, Alamance Farmers Mutual understands your frustration. Since we only write insurance in North Carolina, we understand North Carolinians’ needs.

We Make Protecting Your Home Simple.

Connect

Our independent agents will get to know you, not just a list of facts about your home.

Cover

You’ll get a policy recommendation written for your needs.

Protect

Know you’re protected with a policy from a North Carolina-based company.

Customize Your Coverage

Our Homeowner program provides property and liability coverage for owner occupied residences. Condominium and Secondary polices are also available in our Homeowner program. In addition to the coverages you would expect, the following are some of our most popular coverages available.

The Home Systems Protection coverage has been designed to plug the common insurance gaps with the broadest equipment breakdown coverage available.

Coverage for losses ranging from corrupted data, damage to software and operating systems, cyber extortion packs, fraud and expense reimbursement incurred in an identity recovery.
An affordable endorsement option that when added to your policy provides limited inland flood coverage for your home, certain other structures, personal property, and more.
Don’t miss out on the opportunity to set up autopay and save money on one of our flexible billing schedules. Choose between monthly, quarterly, or semi-annual.

Coverage for failures to exterior underground piping and wiring, providing services such as water, electric power, and internet to the home or a related private structure.