North Carolina Home Insurance
No one wants to think of the unthinkable
That's why having the right coverage in place is very important, and having an experienced agent in your corner is a necessity!
If you live on the coast in eastern North Carolina, it's even more important. We know all too well the havoc hurricanes, tornados and bad storms cause to our community, and we're here to serve you in your time of need.
Call us today!
Call us today for a free no obligation quote! We'll find you the most affordable coverage possible, with the best protection we have available.
A Cold Mountain Insurance representative can help you determine the best coverage for your needs!
Your homeowners insurance protects your home and personal belongings during a catastrophe such as a fire or weather event. In addition, the policy can provide coverage for injuries that occur on your property and lawsuits against you. Most home policies include coverage for:
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss
- Your personal liability or legal fees
- Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your coverage and limits to meet your needs. Your homeowners insurance policy can include many coverage options to help ensure your home and assets are appropriately protected.
CUSTOMIZE YOUR PLAN - Pay for what you want!
Water and Sewer Backup
Water and Sewer Backup insurance is a type of insurance that covers damage caused by water backing up into a home from a sewer, drain or due to a sump pump failure.
Personal Injury Protection
Personal Injury Protection provides coverage for OTHER THAN bodily injury or property damage. This includes false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; slander; libel; and invasion of privacy.
This is more of a mental or psychological based coverage. An example would be your child makes a harsh remark to a classmate and they mentally hurt them. or you deny renting a property to some one because of their race.
Scheduled Property
Scheduled personal property coverage is an optional add-on to your homeowners insurance policy that provides coverage for a greater number of risks and may increase the coverage limits on specific, high-value items.
Here are some belongings you might want to consider for scheduled personal property coverage:
- Jewelry and furs
- Art and antiques
- Stamp or coin collections
- Firearms
- Musical instruments
- Expensive cameras
To get the items scheduled, you typically need to provide your insurance company with a recent receipt or a professional appraisal.
Service Line Coverage
Service line coverage, also known as buried utility lines coverage, is an endorsement that can be added to many home insurance policies to cover the cost of repairing or replacing a broken utility line running into your home. Your coverage limit for a damaged service line is often up to $10,000 and may include a deductible.
Home Systems Protection
Home Systems Protection covers a wide range of critical systems, appliances and electronics. Warranties and service contracts may offer limited coverage for a year or two, but Home Systems Protection provides additional insurance so that you are covered for unexpected mechanical or electrical breakdowns that may occur after the manufacturer's warranty expires.
Bundle Home and Auto Insurance
New customers who bundle their home and auto insurance save an average of over 20%*
Cold Mountain Insurance makes it easy and affordable to bundle home and auto insurance and save with one agency. In most cases when you bundle with us, you'll earn a multi-policy discount if you have an auto policy and home, condo, or renters insurance with us.
We make it simple to get a bundled quote. In addition to auto and home, many of our companies offer multi-policy discounts for bundling RV, boat, motorcycle, and more. Isn't it nice to know you can get all your insurance policies under one roof?
Bundling your car insurance with renters insurance is a great way to lower your already inexpensive renters insurance cost. In most cases, you'll also earn a multi-policy discount on your auto policy with us.
Even if your auto and home insurance aren’t with Cold Mountain Insurance, there are still plenty of ways to save on your car insurance. Many of our partner companies offer multi-policy discounts for combining two or more policies. Whether it’s motorcycle and boat, boat and RV, or renters, motorcycle, and boat—the combinations are almost endless!
Benefits of bundling home and auto insurance
Fewer insurance hassles
Your time is as valuable as the home and vehicles you want to protect. Why manage multiple insurance policies through different agencies, when you can do it all with us?
Flexibility as your insurance needs change
Different stages of life bring new insurance demands. At Cold Mountain Insurance, we'll help you transition from renter to homeowner or single driver to multi-car family.
Jewelry Insurance with 110 Years of Expertise
The trusted jewelry insurer protecting 1 million+ customers and backed by 12,000+ 5-star reviews.
Jewelers Mutual insures a wide variety of types of jewelry including necklaces, bracelets, earrings, pearls, and brooches. Learn about their specialized jewelry insurance and the benefits you can expect by putting your trust in them.
What Does Jewelry Insurance Cover?
Losing your jewelry can feel like losing a part of yourself. Whether it was misplaced at the beach, left behind in a restroom, or lost during shipment to your jeweler for repairs, JM is there to help you recover and feel complete again.
Having your jewelry stolen can leave you feeling powerless, but JM is there to support you. In the unfortunate event of theft, they’ll replace your piece with one of the same kind and quality, helping to restore what was lost.
Accidents happen — like cracking your diamond ring on a countertop or bending a prong when it gets caught on something. Don’t worry, they’ve got you covered.
Sometimes jewelry simply vanishes — lost, stolen, or who knows how? You can’t pinpoint when, where, or how it disappeared. Don’t worry, you'll be protected.**
Natural disasters can happen without warning, but their coverage is designed for real life. Whether it’s a flood, tornado, hurricane, or earthquake that damages or causes your jewelry to go missing, you’re protected.
Ready to book that Caribbean cruise or European getaway? Rest easy — you’re covered worldwide, no matter where your travels take you.
If your jewelry’s value increases due to market changes, their complimentary Insurance Value Adjustment (IVA) service ensures it’s adequately covered. JM will adjust its value to minimize loss impacts, but updated appraisals are key for optimal protection. You can decline IVA, which may apply if an appraisal is over two years old at renewal.
JM provides coverage to keep your jewelry in top condition, including prong retipping, repairing broken, worn, or bent prongs and earring posts, clasp replacement, restringing stretched or broken pearl strands, and stone tightening.**
They don’t cover certain unusual situations, such as war or military actions, pest infestations, intentional damage, voluntary parting, deterioration, resizing, cleaning, or inspections.**
Trusted Experts in Jewelry Insurance
With over a million jewelry owners and 11,000 jewelers relying on Jewelers Mutual, they’ve become a name you can trust.
Repair or Replace with the Jeweler You Trust
Your jewelry, your choice. They work directly with your preferred jeweler to repair or replace your piece, ensuring it stays in the hands of someone you trust.
Highly Rated, Hassle-Free Claims
Their claims process is designed to be simple and stress-free, earning them well over 12,000 5-star reviews on Trustpilot. File your claim online, by phone, or through your trusted jeweler — whatever works best for you.
Don't forget FLOOD INSURANCE!
Two Types of Coverage
When it comes to flood insurance, there are two options to choose from. NFIP flood governed by FEMA, and Private Flood Insurance.
PRIVATE FLOOD
Beyond Floods' private flood insurance policy offers excellent coverage for a variety of homes.
Beyond Floods is Simplified flood insurance, customizable to your needs. It offers flexible payment plans, are lender accepted and little or no waiting period to take effect!
Beyond Floods makes it easy to get flood insurance. Depending on where you live, you may be able to get coverage in less than a week.
NFIP FLOOD
The NFIP provides flood insurance to property owners, renters and businesses, and having this coverage helps them recover faster when floodwaters recede.
Flood insurance is available to anyone living in one of the almost 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.
There’s no obligation for our services and you’ll pay the same price offered by the insurance companies you already know and trust when working with us.
Wolff Shipp, Principal Agent
