Business Details
Trusted Insurance Solutions in Statesville, NC
Piedmont Mutual Insurance Company was chartered in December 1992 and licensed to do business in March 1993. Our history traces back to 1893 when the Farmers Mutual Fire Insurance Association of North Carolina was organized to provide coverage to farmers. We operate as a limited-assessable state mutual insurance company serving only North Carolina. Our focus is on providing specialty property and casualty insurance for both standard risks and those that fall outside the standard market. As a mutual company, we build personal and professional relationships with North Carolina policyholders. Our strength comes from the united resources of our policyholders and a secure reinsurance program with companies holding AM Best Ratings of A- or better.We work closely with independent agents across the state to ensure our clients receive tailored insurance solutions. Our product offerings include Dwelling, Mobile Home, Commercial Property, Artisan Contractor, and Farm Insurance policies. We specialize in coverage for low to moderate value properties, including seasonal homes, rentals, vacant properties, and structures requiring specialized risk management. Our commitment to customer service and community-focused values continues the mutual insurance tradition established over a century ago in North Carolina.
Services
Dwelling Insurance
Mobile Home Insurance
Commercial Property Insurance
Artisan Contractor Insurance
Farm Insurance
Highlights and features
- We provide specialty coverage for non-standard risks in North Carolina
- Our reinsurance partners maintain AM Best Ratings of A- or better
- We serve policyholders through independent local insurance agents
- We specialize in low-to-moderate value property insurance solutions
- Our heritage extends back to the original North Carolina mutual insurance tradition
Associations and certifications
- AM Best Company
Services
Dwelling Insurance
Our Dwelling Insurance provides specialized protection for residential properties that require unique risk management solutions. We cover seasonal homes, vacation rentals, vacant properties, and homes undergoing renovation or construction. Our coverage options include basic, broad, and special perils tailored to specific property needs while maintaining competitive rates for North Carolina policyholders.
Mobile Home Insurance
We offer comprehensive insurance solutions for mobile and modular homes regardless of construction year. Our policies protect against common risks associated with manufactured housing while accommodating the unique challenges these properties present. Coverage includes structural protection, personal property, and liability insurance specifically designed for mobile and modular home owners in North Carolina.
Commercial Property Insurance
Our Commercial Property Insurance delivers protection for businesses requiring specialized risk management solutions. We cover fire, allied lines, and liability risks for companies needing inland marine coverage as part of their commercial operations. Our policies support North Carolina businesses that fall outside the standard market through customized insurance programs tailored to specific industry requirements.
Artisan Contractor Insurance
We provide specialized general liability insurance for artisan contractors working in North Carolina. Our policies address the unique risks faced by skilled tradespeople and small contracting businesses that require coverage outside standard market offerings. This includes protection for property damage, bodily injury, and other liabilities specific to specialty trades and construction-related services.
Farm Insurance
Our Farm Insurance offers protection for small to medium-sized crop and ranch operations that require specialized insurance solutions. We provide coverage for property, equipment, and liability risks faced by North Carolina farmers who fall outside the standard insurance market. Our policies support agricultural enterprises needing customized risk management for crops, livestock, and farm-related operations.
Questions
What types of insurance does Piedmont Mutual offer?
We specialize in property and casualty insurance for standard and non-standard risks, including dwelling, mobile home, commercial property, artisan contractor, and farm insurance policies.
Do you provide coverage for unique or specialized properties?
Yes, we specialize in coverage for properties requiring non-standard risk management including seasonal homes, vacant properties, and specialty construction types.
How can I find a local agent for your insurance products?
Our products are available through independent agents across North Carolina. You can use our online agent finder or contact our office at 1-800-356-4167 for assistance.
What makes Piedmont Mutual different from other insurers?
As a mutual company with heritage dating to 1893, we combine local knowledge with strong reinsurance support to serve unique insurance needs in North Carolina.
Can I make payments online for my insurance policy?
Payments can be made by calling our office at 1-800-356-4167 and selecting the payment option during business hours.
Reviews (1)
Phil Price
Apr 28, 2022
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I've worked with these folks for several years now and they do a great job. They are also pleasant and helpful when I call.
