Effective Date: April 28, 2026
By accessing or using the First Mutual Insurance Company (FMIC) website, located at fmicnc.com, you agree to be bound by these terms. If you do not agree, please discontinue use of the site.
1. 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.
2. Policy Payments
Users may utilize the Make a Payment portal to pay premiums online. You are responsible for ensuring all payment information provided is accurate.
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Receipts: To receive an automated receipt, a valid email address must be entered at the time of transaction. Otherwise, users must manually capture a screenshot of the confirmation page.
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Liability: FMIC is not responsible for payments that are not processed due to technical issues beyond our control.
3. 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).
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These fees are not listed on this website and may vary depending on your policy type.
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Please refer to your Policy Declarations Page or your most recent Billing Statement for the exact fee schedule applicable to your account.
4. Third-Party Services
FMIC utilizes third-party tools for specific functions, such as the Chrp AI-based home health reports for self-guided property surveys. Your use of these integrated tools may be subject to additional terms provided by those third parties.
5. Intellectual Property
All content on fmicnc.com, including text, graphics, and the FMIC logo, is the property of First Mutual Insurance Company and is protected by copyright laws. You may not reproduce or distribute any content without our prior written consent.
6. Limitation of Liability
FMIC provides this site on an “as-is” basis. We do not warrant that the site will be error-free or that any defects will be corrected. Under no circumstances shall FMIC be liable for any direct or indirect damages resulting from the use of this website.
7. Governing Law
These terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles.