N. Raleigh | (919) 878-7786
S. Raleigh/Garner | (919) 661-1100

Homeowners Insurance

Homeowners Insurance Quote Forms

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Homeowners Insurance Information

Home Insurance

Raleigh, Garner, Clayton, Fayetteville, Willow Spring, NC

The right home insurance policy serves as a crucial safeguard for your property and your financial assets. Every homeowner, whether a first-time buyer or a seasoned homeowner, needs the right policy to protect the home.

ACF Insurance Services is here to build you the right homeowners policy to fit your needs.

What is home insurance?

Home insurance is a package policy. It covers many different perils and damages that threaten your home. It can also protect your liabilities and legal responsibilities for any damages that you or your family causes to someone else or their property. The risks a home faces are countless, and every home faces different risks than those of its neighbors.

When insuring your home, you’re going to need an experienced agency to help you cover all of your bases. ACF insurance has been in the insurance business for over 25 years, and we have a highly trained team of agents who are ready to help create your custom home insurance policy.

Home, renters and mobile home insurance are all among our offered products. If you live in Raleigh, Durham, Fuquay Varina, Knightdale, Zebulon, Garner, Clayton, Cary, Wendell, Holly Springs, Apex, Wake Forest or any other area of North Carolina, we can gladly develop a home insurance policy that meets your needs.

Getting the correct coverage

ACF Insurance is happy to build a home insurance policy that protects you from perils that specifically threaten your home.

Most home insurance policies cover a wide variety of damages, but there are exceptions. The most common exceptions are flood, earthquake and maintenance damages. Maintenance damages are the homeowner’s responsibility. Policyholders have to buy flood and earthquake insurance in separate policies.

We want to issue you a policy that will help you rebuild when you face significant losses. Our agents can add specific coverage options to your policy, like:

  • Content coverage: This addition provides broader, more specific protection for your personal belongings. Content coverage will cover you in more scenarios than are often included in a basic policy.
  • Replacement cost coverage: Pays you the entire replacement value of damaged personal items—subject to your policy limits and deductibles. There is no payment reduction for depreciated items. However, there may be special limits placed on more expensive items like jewelry and furs.
  • Additional Replacement Cost coverage: If you experience a total loss of your home, your insurance limit may be too low to cover the total replacement cost. This insurance adds an additional sum to help you afford rebuilding costs.
  • Special Limits: We can offer special amounts of coverage to protect your home's most valuable items. Some of these items might include jewelry, furs, art and silverware.
  • Identity Fraud coverage: Provides up to $25,000 to help cover costs to restore your identity if someone uses it fraudulently.
  • Water back-up coverage: This is different from flood coverage. It will provide a specific dollar amount in case water backs up through your sewer or drains and causes damages. It can also help cover discharges and overflows in your sump pumps. 

These are just a few of your options to add to your home insurance policy. Remember, your standard policy may not cover every risk that threatens your home. Talk to one of our agents to decide what extra coverage protections you need for your home.

Why choose ACF Insurance?

Our team can compare plan costs and coverage options across different home insurance providers including Travelers, Lititz Mutual, Foremost, United Property & Casualty and many more. This will help us get you the coverage you need at the lowest price.

We also want you to save the most on the policy you choose. Your agent can help you get discounts like multi-policy discounts, new homeowner discounts, safety feature discounts and more.

Not only is finding a plan easy, paying for it is also simple. We offer many payment options to help you keep your policy active at all times. You have options to pay online, through auto draft, with cash or check, or a variety of other options.

You can also take advantage of our E-signature program. By using E-signature, you can choose new plans or make changes to existing plans from the comfort of your own home. We can email you a link with any document updates. You just have to type your name into signature boxes and send the E-signed documents back to us. We will keep a copy, and you’ll have a copy of your own policy for your records.

Ready to get started?

ACF Insurance wants to make choosing a home insurance plan an easy and productive experience. We focus our customer service goals around your needs. We will work to prepare your closing documents and your insurance policy before your move-in date. That way, you are able to take possession of your home right on time.

Contact us today for a fast, free home insurance quote. You can start a quote online or over the phone. Our Raleigh office phone number is (919) 878-7786. You may also reach us at our South Raleigh/Garner location at (919) 661-1100.
We have the expertise to find you the right coverage at the right price. 
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