Effective Date: April 28, 2026
This document provides terms and conditions of use of fmicnc.com (the “Site”) and provides additional information about First Mutual Insurance Company (“First Mutual”). Please read these terms and conditions carefully before using the Site, as your use is expressly conditioned on your acceptance of the terms and conditions below, and any additional terms or conditions that may be within the Site itself (collectively “Agreement”). This Agreement is in addition to any other agreements between you and First Mutual. This Agreement is not intended to alter the details of your policy coverage. In the event of a conflict between the terms of this Agreement and a term in your policy agreement, the policy agreement controls. If you require a duplicate copy of your policy, please contact your agent.
Definitions
The terms “us”, “we”, and “our” refer to First Mutual Insurance Company, the owner of the First Mutual Site. The terms “User”, “you”, and “your”, as applicable refer to all individuals who accesses the First Mutual Platforms.
All text, information, graphics, design, and data offered through the Site, is collectively known as our “Content”.
Privacy Notice
Our Privacy Notice is considered part of this Agreement and available in our Site. You must review our Privacy Notice. If you do not accept and agree to being bound by all the terms of this Agreement, including our Privacy Notice, do not use the Site.
Arbitration
Any legal controversy or claim arising from or relating to this Agreement and/or the Site, excluding legal action taken by us to collect or recover damages for — or obtain any injunction relating to — website operations, intellectual property, and our services, will be settled solely by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party.
The arbitration will be conducted in Johnston County, North Carolina and judgment on the arbitration award may be entered into any court having jurisdiction thereof. You or we may seek any interim or preliminary relief from a court of competent jurisdiction in North Carolina necessary to protect our or your rights or property pending the completion of arbitration. Each party will bear half the arbitration fees and costs.
Choice of Law and Jurisdiction
First Mutual makes no representation that all insurance products and services on this website are appropriate or available for use in your state. Some insurance products and services may not be available in all states or jurisdictions. If you choose to access this website you do so on your own initiative and are responsible for compliance with any local, state and federal laws. The information contained on the Site is not an offer to sell or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. This Agreement will be treated as if it were executed and performed in Johnston County, North Carolina and will be governed by and construed in accordance with the laws of the state of North Carolina without regard to conflict of law provisions. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to the Site must be instituted within three (3) years after the cause of action arose or be forever waived and barred.
Website Purpose and Content
This website is intended for residents of North Carolina, South Carolina, and Tennessee. Information regarding insurance coverages (Home, Farm, Poultry/Swine, and High-Value Home) is for general information only. No coverage is bound or modified by viewing this site.
Policy Payments
Users may utilize the Make a Payment portal on our Site to pay premiums online. You are responsible to ensuring all payment information provided is accurate.
- Receipts: To receive an automated receipt, a valid email address must be entered at the time of transaction. Otherwise, you must manually capture a screenshot of the confirmation page.
- Liability: First Mutual is not responsible for payments that are not processed due to technical issues beyond our control.
Service Fees and Billing
Specific administrative fees – including but not limited to installment fees, late fees, and NSF (insufficient funds) fees – are governed by the terms of your specific insurance policy and filed with the North Carolina Department of Insurance (“NCDOI”).
- These fees are not listed on this website and may vary depending on your policy type.
- Please refer to you Policy Declarations Page or your most recent Billing Statement for the exact fee schedule applicable to your account.
Legal Age
The Site is intended solely for Users who are at least (18) years of age or older. Any registration by, use of, or access to the Site by anyone under that age is unauthorized, unlicensed, and in violation of these Terms and Conditions. By using the Site, you represent and warrant that you are (18) years of age or older and agree to abide by all the terms and conditions of this Agreement.
Harassment by Other Users
If you believe that any User of the Site is harassing you or is otherwise using personal information about you for unlawful purposes, we encourage you to first inform local law enforcement authorities and then to contact us.
Mobile Device
By accessing and using the Site with your mobile phone, personal media player, slate computer, tablet computer or other mobile device (collectively “Mobile Device”), you acknowledge and agree that you may receive certain communications from First Mutual (such as text messages and pictures, e-mails, or other electronic communications means, collectively “Mobile Communications”). By accessing and using the Site via your Mobile Device, you may incur fees from your mobile data provider or carrier, and you are solely responsible for the payment of such fees. If you choose to disclose information regarding your actual location (including location-related information provided by your mobile data provider or carrier, provider, or other third-party applications), you acknowledge and agree that (1) such information may be made available to other viewers of such information and (2) First Mutual is not responsible for the correctness of such information and any use of such information by third parties, including other users.
Legal Compliance
You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the Site, Content, and any software provided therein.
Our Intellectual Property
The Site may contain our service marks or trademarks as well as those of our affiliates or other companies in the form of words, graphics, and logos. Your use of the Site does not constitute any right or license for you to use our service marks or trademarks without the prior written permission of First Mutual.
Our Content, as found within the Site, is protected under the United States and foreign copyrights. Copying, redistribution, use, or publication by you of any such Content is strictly prohibited. Your use of the Site does not grant you any ownership rights to our Content.
Content Disclaimer
Our Content may be changed without notice and is not guaranteed to be complete, correct, timely, current, or up to date. Similar to any printed materials, the Content may become out-of-date. We undertake no obligation to update any Content on the Site. Users are responsible for their own content where applicable and may update their content at any time without notice and at their sole discretion.
Errors, Corrections, and Changes
We do not represent or otherwise warrant that the Site will be error-free, free of viruses or other harmful components, or that we will correct any errors. We do not represent or otherwise warrant that the information available on or through the Site will be correct, accurate, timely, or otherwise reliable. We may make changes to the features, functionality, or Content of the Site at any time.
Even without such a “click accept” agreement, your continued use of the Site after such modifications will constitute your acknowledgment and agreement of the modified Terms.
Third-Party Services
First Mutual utilizes third-party tools for specific functions, such as the CHRP AI-based home health reports for self-guided property surveys and Sharpen Technologies for our AI based phone system. Your use of these integrated tools may be subject to additional terms provided by those third parties.
CHRP utilizes AI to aid in underwriting risks and verifying pictures insureds send in. Final results of possible coverage is determined by underwriting and staff.
Sharpen Technologies utilizes AI to answer and direct a caller to the right department. AI will answer any underwriting or policy questions the caller may have by having access to our guidelines and CRM. The AI model is under constant human supervision and cannot determine eligibility or approve any risk.
Warranty Disclaimer
First Mutual is not responsible or liable in any manner for any content posted in the Site. First Mutual is not responsible for the online or offline conduct of any User of the Site.
The Site may be temporarily unavailable from time to time for maintenance or other reasons. First Mutual assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of User communications.
First Mutual is not responsible for any technical malfunction or other problems of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email on account of technical problems or traffic congestion on the Internet, or any combination thereof, including injury or damage to any User’s computer, mobile phone, or other hardware or software related to or resulting from using or downloading materials in connection with the Site, including without limitation any software provided through the Site.
Under no circumstances will First Mutual be responsible for any loss or damage, including any loss or damage or personal injury or death resulting from anyone’s use of the Site, or any interactions between Users of the Site, whether online or offline.
THE INFORMATION, CONTENT, AND DOCUMENTS FROM OR THROUGH THE SITE ARE PROVIDED ‘AS-IS’, ‘AS AVAILABLE’, WITH ‘ALL FAULTS’, AND ALL EXPRESS OR IMPLIED WARRANTIES ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE SITE MAY CONTAIN BUGS, ERRORS, PROBLEMS, OR OTHER LIMITATIONS.
FIRST MUTUAL INCLUDING ALL OUR AFFILIATES, HAS NO LIABILITY WHATSOEVER FOR YOUR USE OF THE SITE. FIRST MUTUAL CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM THE USE OF THE SITE, INCLUDING, BUT NOT LIMITED TO, RELATED SOFTWARE. FIRST MUTUAL DOES NOT REPRESENT OR WARRANT THAT OUR CONTENT, SERVICES, OR ANY SOFTWARE FOUND WITHIN THE SITE IS ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD EXERCISE CAUTION IN THE USE AND DOWNLOADING ANY SUCH CONTENT OR SOFTWARE AND USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND REMOVE VIRUSES. ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES SOMEHOW ATTRIBUTED TO THE SITE, SERVICES, AND RELATED SOFTWARE IS DISCLAIMED.
WITHOUT LIMITING THE FOREGOING, YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN CONTENT AND RELATED SOFTWARE FROM OR THROUGH THE SITE OR SERVICES AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR YOUR USE THEREOF AND ANY DAMAGES TO YOUR MOBILE DEVICE OR COMPUTER SYSTEM, LOSS OF DATA, OR OTHER HARM OF ANY KIND THAT MAY RESULT. WE AND ALL OF OUR AFFILIATES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND FIRST MUTUAL.
THE SITE SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE SERVICES WILL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.
Limitation of Liability
First Mutual, as well as all our Affiliates, will not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from the Site, (b) any product liability issues to the extent that we are not involved with the manufacturer of the product(s) giving rise to liability, (c) the unavailability or interruption of the Site, (d) your use of the Site, (e) the Content contained on the Site, or (f) any delay or failure in performance of the Site beyond our control.
IN NO EVENT WILL FIRST MUTUAL OR ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE, CONTENT, SERVICES, OR ANY RELATED SOFTWARE, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE, EVEN IF FIRST MUTUAL IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, FIRST MUTUAL’S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR INSURANCE PREMIUMS DURING THE PREVIOUS THIRTY (30) DAYS PRIOR TO THE EVENT GIVING RISE TO LIABILITY.
Unlawful Activity
We reserve the right to investigate complaints or reported violations of this Agreement and take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses, and traffic information.
Links to Other Websites
The Site may from time to time contain links to third-party websites. The inclusion of links to any website on the Site does not mean that we endorse, guarantee, warrant, or recommend the services, information, content, and/or data of such third-party websites.
First Mutual has no control over the legal documents and privacy practices of third-party websites; you access any third-party websites at your own risk. We recommend that you review the privacy notice and terms and conditions of those websites to fully understand what information is collected and how it is used.
Online Claims Submission
If you are a First Mutual customer, you may be allowed to report an insurance claim online where available. Your online claim does not commit First Mutual to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. First Mutual reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect.
Indemnification
You agree to indemnify, defend, and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, affiliates, assigns, third party suppliers of information, software, services, and documents, free from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to your violation of this Agreement or use of the Site.
Governing Law
These terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles.
Contact Information
If you have any questions or suggestions regarding these terms and conditions, please contact us at:
Davidson V. Neville, President
919-934-6111
[email protected]