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  Occidental Fire & Casualty Company of North Carolina

Occidental Fire & Casualty Company of North Carolina

in Flood Insurance from IAT Insurance Group

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Occidental Fire & Casualty Company of North Carolina

Unaffiliated

in Flood Insurance from IAT Insurance Group

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Highlights
Highlights
Financial Strength Rating A-

Occidental Fire & Casualty Company of North Carolina Review

Where does Occidental Fire & Casualty Company of North Carolina do business?

Occidental Fire & Casualty Company of North Carolina is an insurance carrier based in Raleigh, NC. The company was founded in 1997 and offers flood insurance in 49 states (and Washington, DC). Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

What types of coverage does Occidental Fire & Casualty Company of North Carolina offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Occidental Fire & Casualty Company of North Carolina only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

  • Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Occidental Fire & Casualty Company of North Carolina customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a Occidental Fire & Casualty Company of North Carolina home insurance policy?

When you ask for a quote with Occidental Fire & Casualty Company of North Carolina, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
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    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Occidental Fire & Casualty Company of North Carolina.

    What additional benefits does Occidental Fire & Casualty Company of North Carolina offer?

    Occidental Fire & Casualty Company of North Carolina offers the following benefits to its customers:

    • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

    What is the financial strength rating of Occidental Fire & Casualty Company of North Carolina?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Occidental Fire & Casualty Company of North Carolina scores an A-. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.

     

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   702 Oberlin Rd
      Raleigh, NC 27605
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 8:00am - 5:00pm
    • Tuesday 8:00am - 5:00pm
    • Wednesday 8:00am - 5:00pm
    • Thursday 8:00am - 5:00pm
    • Friday 8:00am - 5:00pm
    • Saturday Closed

    About Occidental Fire & Casualty Company of North Carolina

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 49 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Property Discounts
    • Flood Zone Designation
    • Freeboard (Property Elevation Above BFE)
    Home and Renters Insurance Riders
    • Flood Coverage (Federal)
    Financial Strength Rating
    • A-
    Carrier Features
    • Paperless Billing
    • Locally Available Agents
    Home and Renters Insurance
    • Dwelling Coverage
    • Personal Property Protection

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