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Broad Coverage For Your Home
In North Carolina, front porch conversations last a little longer and neighbors feel more like family. And just like a strong foundation supports your new home, the right insurance gives you peace of mind. Providing insurance solutions for recently constructed homes is our specialty. With American Integrity, you will receive comprehensive protection tailored to your needs and exemplary customer service.
What does North Carolina Homeowners Insurance Cover?
Your home is one of your most valuable assets, and protecting it is essential. Our North Carolina Homeowners Insurance offers comprehensive coverage to safeguard your property from unexpected risks, giving you peace of mind through life’s many changes.
Property Damage
Coverage for your home and structures from damage caused by fire, storms, or other covered events.
Liability Protection
Protect yourself from legal costs if someone is injured on your property.
Personal Property
Coverage for your belongings, from furniture to electronics, whether at home or away.
Additional Living Expenses
Assistance with temporary living costs if your home becomes uninhabitable due to a covered loss.
Why Choose American Integrity?
Choosing American Integrity means partnering with a team that understands the unique needs of North Carolina homeowners. Our insurance solutions are designed to deliver the right protection for your home, backed by the dedicated service you deserve. With a proven track record of helping homeowners recover quickly, we’re here to make safeguarding your property simple and stress-free.
Discounts
Lower your premiums with savings for bundling policies, installing protective devices, or qualifying based on your home’s age and features.
Frequently Asked Questions
We get it, the details of insurance policies are complex. These answers to some of our most commonly asked questions should help make it a little easier.
See All FAQs
We offer coverage designed for the Southeast’s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties—always with integrity at the heart of what we do.
Yes, you can switch to American Integrity at any time! Just make sure to secure your new policy before canceling your old one to avoid a lapse in coverage.
Check out all our available Discounts and see if you qualify. You can also lower your premium by choosing a higher deductible and ensuring your coverage matches your home’s value. Talk to your agent to make sure that your policy matches the needs of your home – and your wallet.
Click here to use our Agent Locator Tool! All we need is your zip code and we’ll give you a list of nearby agents to choose from.
Learn more about homeowners and residential insurance
Browse educational articles about insurance coverage for your home and other types of property.
Florida Homeowners Insurance for New Construction | Is Homeowners Insurance Cheaper on New Construction?
Many potential homeowners may be surprised to learn that Florida homeowners insurance for new construction can be substantially more affordable than insuring older, existing homes. Part of the reason is that everything in a newly built home is, well, new!
6/9/2021 1:43:03 PM
If you’re shopping for a new home and considering insurance coverages, you may wonder, “Is homeowner insurance cheaper on new construction?” The answer is often yes – and the savings can be significant when compared to older homes.
Why is Homeowners Insurance Cheaper on New Construction?
Florida homeowners insurance for new construction can be more affordable because everything in your new home is just that - new. Updated materials, appliances, and systems built under the latest safety and building codes make your property more durable and less risky to insure.
Newly constructed homes may also include modern fire-resistant and weather-resistant features, further reducing your insurance costs.
Another factor: newly built homes are rarely targeted by the roof claim fraud that has driven insurance premiums higher across Florida. Older homes are often solicited by contractors encouraging roof claims for general wear and tear – something not covered by insurance. These unnecessary claims and lawsuits contribute to rising premiums statewide.
Since newer homes typically aren’t part of this pattern, insurers view them as lower-risk, resulting in better rates for homeowners.
How Much Can You Save?
The construction materials and safety systems in your home can directly affect your potential discounts. For example, homes with metal roofs, modern fire-suppression systems, or other fire-resistant features can qualify for even greater savings.
Other discounts may be available, too, including:
- Hip Roof
- Fire Alarm: Local or Centrally Monitored
- Burglary Alarm: Local or Centrally Monitored
- Limited Access Community: 3 Entries or Less
- Gated Community: Manned or Passkey Entry
- Water Loss Prevention: home built in the past 3 years, no documentation required
- Accredited Builder: home built in the past 5 years, no documentation required
- Multi-Program Discount
- Military Discount
Protect Your New Home with Confidence
American Integrity Insurance makes it easy to find affordable coverage for your newly constructed Florida home. Contact one of our trusted agents today to get a personalized homeowners insurance quote and learn more about available discounts.
American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.
We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.
Florida Homeowners Insurance for New Construction | Is Homeowners Insurance Cheaper on New Construction?
Many potential homeowners may be surprised to learn that Florida homeowners insurance for new construction can be substantially more affordable than insuring older, existing homes. Part of the reason is that everything in a newly built home is, well, new!
6/9/2021 1:43:03 PM
If you’re shopping for a new home and considering insurance coverages, you may wonder, “Is homeowner insurance cheaper on new construction?” The answer is often yes – and the savings can be significant when compared to older homes.
Why is Homeowners Insurance Cheaper on New Construction?
Florida homeowners insurance for new construction can be more affordable because everything in your new home is just that - new. Updated materials, appliances, and systems built under the latest safety and building codes make your property more durable and less risky to insure.
Newly constructed homes may also include modern fire-resistant and weather-resistant features, further reducing your insurance costs.
Another factor: newly built homes are rarely targeted by the roof claim fraud that has driven insurance premiums higher across Florida. Older homes are often solicited by contractors encouraging roof claims for general wear and tear – something not covered by insurance. These unnecessary claims and lawsuits contribute to rising premiums statewide.
Since newer homes typically aren’t part of this pattern, insurers view them as lower-risk, resulting in better rates for homeowners.
How Much Can You Save?
The construction materials and safety systems in your home can directly affect your potential discounts. For example, homes with metal roofs, modern fire-suppression systems, or other fire-resistant features can qualify for even greater savings.
Other discounts may be available, too, including:
- Hip Roof
- Fire Alarm: Local or Centrally Monitored
- Burglary Alarm: Local or Centrally Monitored
- Limited Access Community: 3 Entries or Less
- Gated Community: Manned or Passkey Entry
- Water Loss Prevention: home built in the past 3 years, no documentation required
- Accredited Builder: home built in the past 5 years, no documentation required
- Multi-Program Discount
- Military Discount
Protect Your New Home with Confidence
American Integrity Insurance makes it easy to find affordable coverage for your newly constructed Florida home. Contact one of our trusted agents today to get a personalized homeowners insurance quote and learn more about available discounts.
American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.
We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.