Carolina Farmers Mutual Insurance - Asheboro, North Carolina

Chris D.

I had insurance with them for many years for multiple properties with no claims. Had a storm event hit the area with multiple people having damage. Would not pay for the roof replacement for a section of my home where wind blew trees onto it. I pay all this money for all of these years for no assistance when needed. I am moving all of my properties to another company, hopefully they will be better to work with. I do not recommend using them for your insurance needs. If it costs you a little more upfront it is worth it be be covered when needed. What use is a homeowners policy if they refuse to cover damages?

Eva H.

Currently have two issues with this insurance company. 1 we need a new roof. Due to damage beyond our control, it has effected our garage ceiling into area, ceiling in our bathroom. They have stated that we do not have enough damage to warrant a new roof repairs. 2d claim, attic fire resolving from upstairs air condition found from air condition maintenance. Both A/C replaced. Submitted Claim. Due to us not following there procedures, we was denied reimbursement.

patty F.

Awful experience. I had a pipe to bust in kitchen and 2 cabinets need to be replaced. My cabinets has been discontinued and they refused to replace all my cabinets or paint them, they said they don’t color match. So over $5000 has to come out of my pocket so that my cabinets all match.

Then I get a letter that they are dropping me. My insurance is escrowed so never has it been late. 9 yrs and only 2 claims one for hurricane had to get new shingles.

I was talking about switching to USAA anyways. Now I know why this company was lower, you get what you pay for.

Anthony M.

Was with this insurance company for close to 20 years. I never had a claim! Had some shingles blown off during a wind storm. I was told that they would not help with the damage:( don’t use them!!!!!

John K.

I've had home owners insurance with this company for years. My mortgage was escrowed and always paid.

I get a notice my policy was cancelled. After several messages were left (each took days for a returned call. And required a follow-up because no one could answer my question), I find the reason for cancellation was due to a returned piece of mail. The envelope was mailed to the house that's insured. I never received it.

It seems a phone call would be sufficient but no, they just cancel it. when I tried to reinstate the policy I was told they would only do it if I switched everything (including my cars) to their company.

Kylie B.

Not only am I a policy holder, I am also an agent! I love CFM and all of the wonderful people there. We never have an issue getting questions answered or problems resolved. I feel confident with the company I have chosen to protect my home! They truly do care about their policy holders and help in any way they can!!!

Crystal H.

This company does not care about making you whole if you file a claim. Getting anyone on the phone was an act of congress. We talked to our adjuster more than our agent did. Our agent did not want us in the building for some reason. She wanted everything done by mail. (I work 2 streets away). We ended up paying $1,500 out of pocket instead of the $500 deductible in our policy. After 1 claim they canceled us!!! Our agent will not even refer to my husband by name. It's gone from Mr. So and so to just sir. We found out we were canceled by my bank. When we asked our agent she refused to answer the questions. This company only wants your money.

Ryan W.

Nice people on the phone, however beware that this insurance company is VERY small and if somone takes the day off the day you need to file a claim then your out of luck. Also, if you need information on your claim and the claims lady is sick or out of town, you will have to wait till that person gets back, because evidentally no one has access to that information. This company has very low premiums, but this is for a reason if you ever file a claim, your going to have to fight tooth and nail to get any money from them. Every year I had this company for home owners insurance they would add another ammendment to my policy listing something that they won't cover. Every year it just gets worse and worse. There ammendments are designed so they can interpet the damage to their advantage so they can pay as little as possible. I thought I had a replacement cost policy but with all the ammendments they added it isn't really.
This company has low premiums but BEWARE its for a reason.