Property Insurance

Simple, affordable property insurance


Protect your most important possessions with a simple, affordable policy.

  • Protect a home you're building or renovating
  • Get coverage that can put your home back together after an accident or theft
  • Include coverage to protect yourself if someone is injured on your property


Get low-maintenance coverage for the inside of your unit.

  • Protect items that condo associations and master policies don't
  • Cover improvements or alterations you've made to your unit
  • Protect yourself from liabilities


Cover what matters to you, even if you don't own your home.

  • Cover what you own in your apartment
  • Safeguard against legal responsibility for injuries
  • Pay for additional living expenses if your home becomes uninhabitable


Get extra protection for your most cherished items.

  • Protect items like jewelry, antiques and fine art
  • Get more protection for these items than with a typical homeowners or renters policy
  • Pay no deductible


Make sure a few inches of water doesn't cost you a few thousand dollars.

  • Protect a home you rent or own from rising waters
  • Additional programs and insurers provide excess coverage
  • Get affordable coverage in low-risk areas
My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

Access your auto insurance ID cards

Update driver and vehicle status

My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

My Insurance Center

Get 24/7 insurance access from any device

Access your auto insurance ID cards

My Insurance Center

Get 24/7 insurance access from any device

Update driver and vehicle status

Pet Insurance

Protect your four-legged family member

Cover unexpected accidents and illnesses and get access to providers worldwide.
Umbrella Policy

Cover the unexpected

Add a layer of protection for things your main policy doesn't cover.


People often ask us

Most homeowners insurance policies cover a wide range of items but often they don't cover everything one has. This void in coverage is usually due to the policy owner assuming that every item they have will be covered. They fail to let the insurance agent know of specialty items and specialty coverage they may need or be interested in. A homeowner can add extra coverage to their policy and should inquire with their insurance agent to do so. Some of the most common extra coverage is:

  • Fine jewelry and collectibles
  • Home office equipment and home businesses
  • Identity theft
  • Excess liability (umbrella)
  • Flood

Flood damage isn't covered by most homeowner policies. We can provide a separate policy through the National Flood Insurance Program insurance company.

You'll need enough insurance to cover the cost to rebuild your home at current construction costs. This amount doesn't include the cost of the land and isn't related to the price you paid for your home, current market value, tax value or loan amount. The cost of rebuilding your home could be more or less than the price you paid or could sell it for today due to the change in construction costs. We can assist you in determining how much it would cost to rebuild your home by completing a cost estimator.

Some factors considered are:

  • Local construction costs
  • The square footage of the structure
  • The type of exterior wall construction—frame, masonry (brick or stone) or veneer
  • The style of the house (ranch, colonial)
  • The number of bathrooms and other rooms
  • The type of roof and materials used
  • Other structures on the premises such as garages, sheds
  • Fireplaces, exterior trim and other special features like arched windows
  • Whether the house, or parts of it like the kitchen, was custom built
  • Improvement to your home—adding a second bathroom, enlarging the kitchen or other additions that have added value to your home

When shopping for a homeowners insurance policy, you may not end up with the best coverage if you only shop by comparing prices and not by comparing coverage. Your home is one of the most important purchases you'll make. Take the time to understand your insurance before you purchase it. It's one of the best decisions you make for yourself and your family.

Replacement-cost coverage pays to replace your home and belongings with materials of like kind and quality at current prices. Actual cash-value policies reimburse the depreciated value.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.