Business Details
50+ Years
experience
Your Trusted Property Insurance Partner in North Carolina
NC Grange Mutual Insurance Company has been dedicated to protecting North Carolina property owners since 1934. As a mutual insurer, we operate with a unique structure that prioritizes policyholder interests over shareholder profits, ensuring our rates reflect the collective experience of our insured community. Our expertise spans farm and rural coverage, home insurance, mobile/modular homes, churches, and small business protection, making us one of the state's largest providers in these sectors. With over 80 years of experience, we've maintained financial stability through strategic reinsurance partnerships with industry leaders like General Reinsurance Corporation and Guy Carpenter Re.Our network of more than 200 independent agents, many affiliated with the Independent Insurance Agents of North Carolina, delivers personalized service from policy evaluation to claims resolution. We pride ourselves on transparency, having only assessed policyholders once in our history following Hurricane Hazel, and maintaining catastrophe protection since 1955. Our Demotech financial stability rating underscores our commitment to long-term reliability, while our payment flexibility options ensure accessibility for all clients. Through continuous adaptation to modern needs while preserving traditional mutual values, we remain a trusted guardian of North Carolina's most valuable assets.
Services
Home Insurance
Farm Insurance
Commercial Insurance
Mobile Home Insurance
Tenant Dwelling Insurance
Equipment Insurance
Church Insurance
Small Business Insurance
Details
- Year established: 1934
Highlights and features
- We have over 80 years of experience serving North Carolina property owners
- Our mutual insurer structure prioritizes policyholder interests over shareholder profits
- We maintain strategic reinsurance partnerships with industry leaders
- Our network includes 200+ independent agents across North Carolina
- We've maintained catastrophe protection since 1955 with only one historical policyholder assessment
Associations and certifications
- Demotech, Inc.
Services
Home Insurance
Our home insurance protects against structural damage, content loss, and liability claims. We cover traditional homes and mobile/modular units across North Carolina. Policies include protection against fire, lightning, and other covered perils as specified in individual agreements.
Farm Insurance
Comprehensive farm coverage includes dwellings, machinery, livestock, and outbuildings. We specialize in rural property protection with liability coverage tailored to agricultural operations. Our policies address both residential and commercial aspects of farm ownership across North Carolina.
Commercial Insurance
Designed for churches and small businesses, our commercial policies cover structural damage and personal property loss from fire and other specified perils. We provide tailored solutions for North Carolina's unique business environments through our network of independent agents.
Mobile Home Insurance
Specialized coverage for mobile and modular homes addresses their unique construction needs. Our policies protect against structural damage, content loss, and liability claims while accommodating the specific requirements of non-traditional housing units.
Tenant Dwelling Insurance
This insurance protects tenant-occupied properties against covered losses including fire damage and liability claims. We offer customized solutions for landlords managing residential rental properties across North Carolina's diverse housing market.
Questions
What areas do you serve?
We provide property insurance coverage throughout the state of North Carolina.
What payment options are available?
We offer full payment, 3-pay, 5-pay, and monthly auto-pay options with transparent service fees.
How do I file a claim?
Contact your local agent immediately to report losses, providing policy details and damage documentation.
What makes you a mutual insurer?
We operate without shareholders, returning profits to policyholders and basing rates on collective experience.
How are claims handled?
Our independent adjusters work with your agent to ensure timely, professional claims resolution.
What reinsurance partners do you use?
We partner with General Reinsurance Corporation for working treaty needs and Guy Carpenter Re for catastrophe coverage.
Reviews (7)
Crystal Haymon
Jun 24, 2022
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My air conditioner went out on Friday and we made our claim. All weekend we burned up and it's Wednesday and we had to call to ask why the 3rd party had not contacted the person in charge of repairing the unit. She laughs and says she forgot to send over the email. It's not funny and the heat is over 100 degrees. We still don't have our unit repaired and we are going on 7 days
Heather Kerns
Apr 07, 2022
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Filed a claim for our roof due to obvious hail damage - they denied our claim based on the one area their 3rd party company actually looked over. They never contacted us via phone to discuss, only sent a denial letter that did not adress our claim in its entirety. We then requested an engineer review - desk review states damage does indicate large hail; however, they are stuck on a Jan 3rd date saying there was no hail at that time.
We did not claim there was hail on that date - only that a storm occurred on that date with high winds, which damaged other areas of our home prompting a roof inspection. The customer service has been horrendous as well - they use a lot of 3rd party vendors and it's difficult to get in touch with the correct individuals. DO NOT use this company! Had I read reviews before our mortgage lender suggested them, we would not have purchased their insurance.
We did not claim there was hail on that date - only that a storm occurred on that date with high winds, which damaged other areas of our home prompting a roof inspection. The customer service has been horrendous as well - they use a lot of 3rd party vendors and it's difficult to get in touch with the correct individuals. DO NOT use this company! Had I read reviews before our mortgage lender suggested them, we would not have purchased their insurance.
Christopher Wilkins
Mar 19, 2022
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I have worked directly with many of the staff members in my line of work and everyone is always so polite and helpful. Their CFO (soon to be CEO) is amazing and their IT staff (specifically Libby) is hard working and incredibly knowledgeable. I can speak to the insurance quality but I can say you wont find better people to work with. They are always willing to help and be of service. Great team here to work with.
Amber Hampton
Jan 28, 2022
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I will be cancelling my policy asap. They attempted to FRAUDULENTLY cancel my policy because the man came to do a quote for my fence and LIED that we had a trampoline in our backyard. OUR NEIGHBORS, which is divided by a tall wooden fence, have a trampoline. A huge trampoline. So how could you mistake a trampoline in our yard. There's not even enough room in our backyard. So the company sent an email demanding I sign about having a trampoline before even verifying or asking any questions.
She told me I should be happy they reached out to me before just cancelling my policy. Even though the person LIED I'm the one suppose to be happy that my policy wasn't randomly cancelled. Then after telling her I was going to go with another company she stated "call me when you're ready to cancel". They obviously do not care about customers.
She told me I should be happy they reached out to me before just cancelling my policy. Even though the person LIED I'm the one suppose to be happy that my policy wasn't randomly cancelled. Then after telling her I was going to go with another company she stated "call me when you're ready to cancel". They obviously do not care about customers.
M. Trina
Feb 25, 2021
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Critical: Professionalism, Quality, Responsiveness, Value The worst insurance company in the business, don't take my word read the reviews. You are not insured and they will pay for nothing! Denied 2 minor claims in 15 years as customers. Every roof in my neighborhood was replaced by insurance for storm damage except mine. Now it leaks.
Doris Pearce
Nov 04, 2020
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I was hurt on the property of someone who has this insurance and Grange only wants to pay a thousand dollars. My medical bills are over ten thousand dollars. I was. not asking for pain and suffering just my medical bills to be paid. I thought when youhad insurance it covered you when some gets hurt on your property.
S. & T.
Jun 25, 2019
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We had several leaks and our carpet was wet after we had a hurricane. I reported the problem and a adjuster came to the house. We waited for a week to see what was going on, I called and left several messages with the company with no response back finally I ask our local agent to get in contact with them since they wouldn't return my phone call. My agent sent me a email advising me that a lady at NC Grange said it was okay to pull the carpet up and I asked is it going to be covered, my agent said "yes".
Make the long story short we decided not to pull the carpet up until we received a check or letter from them. The check we received was so low and only paid for the sliding on the house, the company refuse to pay for the carpet and claimed it was from our center air conditioner ( condensation) from under the house. This company is the worst company I have every been with and regret ever hearing about them. BEAWARE.
Stay far away from this company. Just like the others review, you will have a hard time getting in touch with them and getting your money from this low budget company. If, I could I would have gave them a 0 stars.
Make the long story short we decided not to pull the carpet up until we received a check or letter from them. The check we received was so low and only paid for the sliding on the house, the company refuse to pay for the carpet and claimed it was from our center air conditioner ( condensation) from under the house. This company is the worst company I have every been with and regret ever hearing about them. BEAWARE.
Stay far away from this company. Just like the others review, you will have a hard time getting in touch with them and getting your money from this low budget company. If, I could I would have gave them a 0 stars.
