614 E. Market Street
Smithfield, NC 27577
(919) 934-6111

Our Services

First Mutual Insurance Company writes Homeowners including Identity Recovery coverage and Home Systems Protection, Farmowners including Identity Recovery coverage and Equipment Breakdown coverage, Farm Inland Marine, Fire policies, a special program for Hog & Poultry with Loss of Income coverage, and Equipment Breakdown coverage and Optional Liability coverage.


First Mutual Insurance Company FAQ - For Consumers

Q. Does First Mutual Insurance Company accept online payments?

A. Yes! An insured and/or your agent can make your payment online with either a credit card or check. Simply click on "Make a Payment" from our home page.


Q. Does First Mutual Insurance Company accept payments by credit card?

A. Yes! We accept all major credit cards. You can make your credit card payment online by clicking on "Make a Payment" from our home page.


Q. Does First Mutual Insurance Company accept escrow billed applications (applications in which your mortgage company pays your insurance premium)?

A. Yes! First Mutual Insurance Company accepts applications that are mortgagee-billed. In addition, we will bill the mortgagee for the entire premium, so you do not have to send us a down payment if your mortgage company will be paying your insurance premium.


Q. Does First Mutual Insurance Company have any payment plans?

A. Yes! First Mutual Insurance Company offers several options for insureds to make their premium payments. We offer annual, semi-annual, quarterly and monthly payments. For semi-annual and quarterly payments, there is a $5.00 installment fee applied to your bill for each payment. For monthly payments, we will set your payments up as EFT (Electronic Funds Transfer) and there is a $.50 per month installment fee for selecting EFT. For each payment plan, the catastrophe fee is included in the down payment that is due at policy issuance.


First Mutual Insurance Company FAQ - For Agents

Q. Can I use a cost approximator other than First Mutual Insurance Company's?

A. No. First Mutual Insurance Company’s rating program has e2Value integrated and our independent survey company also uses the e2Value estimating software. Our goal is to reduce discrepancies in estimated values by requiring agents and surveyors to use the same method of estimating replacement values.


Q. How do I become an agent for First Mutual Insurance Company?

A. The appointment process is easy! E-mail Carolyn Peele at cpeele@fmicnc.com letting her know of your interest. Once a few forms are complete, a time will be scheduled for you to meet with our Marketing Representative to make sure our company is a good fit for your agency.