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North Carolina

From the Outer Banks to the Appalachian Mountains, Universal Property & Casualty Insurance Company provides property and home insurance – including homeowners, renters and condo insurance – so you can enjoy your slice of North Carolina paradise with piece of mind. In addition to beautiful colors that make an appearance each Autumn and waves crashing on the Outer Banks’ shores, North Carolina’s weather is known to get pretty fierce from time to time. That’s why our coverage extends to Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Wilmington and beyond!

What Is Covered by Your

North Carolina Home Insurance


North Carolina home insurance covers more than the actual structure you live in. Your policy can extend protection from your house or condo to the possessions inside and even medical expenses for others after a covered incident.

Dwelling (Coverage A):

This insurance coverage helps protect the physical structure of your home, such as the windows, roof and many other things that help create it.

Other Structures (Coverage B):

This type of insurance can extend coverage to structures on your property that are not attached to your home, such as a shed or fence.

Personal Belongings (Coverage C):

Safeguarding many things inside the four walls of your home, this coverage helps protect your personal belongings — like electronics, clothing and furniture — from damage, destruction and theft.

Loss of Use (Coverage D):

Also known as additional living expense coverage, loss of use works to reimburse you for extra expenses you incur when a covered peril forces you to temporarily move from your home.

Personal Liability (Coverage E):

Liability insurance is there for you if somebody is injured on your property, then sues you for damages and you’re found liable.

Medical Payments (Coverage F):

This type of insurance coverage helps to pay medical expenses if another person gets injured on your property.

A Local Agent Is Here for All Your North Carolina Needs!

If you’re in the Tar Heel State and need help finding a policy, or simply have any questions, give us a call. We’re happy to help in every way possible!

The Following Coverages Are Offered in North Carolina:

  • North Carolina Homeowners Insurance
  • North Carolina Renters Insurance
  • North Carolina Condo Insurance
  • North Carolina Landlord Insurance