Insurance

Peace of mind for the things that matter most

Vehicle Insurance

Get coverage for all the ways you get from here to there.

  • Customize your protection for your car, boat, motorcycle or recreational vehicle
  • Insure classic or collector cars
  • Get specialized coverage to meet your needs
  • Add optional roadside assistance

Property Insurance

Protect your home and the people in it from the unexpected.

  • Cover your home, belongings and other property
  • Protect construction and renovation projects
  • Get coverage for an investment or rental property
  • Protect other high-value assets you own

Life Insurance

Give your loved ones a sense of security and maximize your estate.

  • Choose from a wide range of life insurance products
  • Get coverage in case of disability
  • Put plans in place for long-term care

Pet Insurance

Protect your pet and your budget in case illness or accident strikes.

  • Cover vet bills for accidents, illnesses and diagnostic tests
  • Get optional wellness coverage for routine care
  • Visit general, specialist or emergency vets worldwide
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.

FAQ

People often ask us

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

Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it's anything else other than a collision—such as damage from road debris, fire or theft. Most people would have both coverages when using their car on a regular basis. Sometimes when someone is just storing a car, they may only keep comprehensive coverage since they aren't using it on the road therefore, it's unlikely to be in a collision.

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.

The premium you pay is a direct reflection of your driving record for the past 3 to 5 years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets or accidents are more likely to have additional accidents than drivers with clean records.

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

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.