Last Updated: 04/18/2025
Occidental Fire & Casualty Company of North Carolina
Unaffiliated
in Flood Insurance from IAT Insurance Group
Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A-(Verified 04/18/2025)
Occidental Fire & Casualty Company of North Carolina Review
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.
Occidental Fire & Casualty Company of North Carolina FAQ
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.
- 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.
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.
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Message from Occidental Fire & Casualty Company of North Carolina
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