Protect your home and business with tailored coverage from Pepper, Johnstone & Company. With over 50 years of experience and access to more than 60 top insurers, we offer flexible and affordable solutions for all your insurance needs.
Home & Commercial Insurance in North Carolina
from Pepper, Johnstone & Company
North Carolina Insurance Solutions for Homes and Businesses
Whether it’s your family home in Charlotte or your small business in Raleigh, protecting your property with the right insurance coverage is key to financial stability. With decades of experience and access to 60+ top-rated insurers, Pepper, Johnstone & Company delivers tailored solutions that safeguard what matters, without breaking the bank. From storm damage to liability protection, we’re here to help North Carolinians stay secure.
What to Expect from a Property Insurance Policy in North Carolina
A property insurance policy serves as a financial safety net, covering losses and liabilities in the event of the unexpected. In North Carolina, where hurricanes, flooding, and fires are real risks, choosing the right policy can mean the difference between bouncing back or facing serious hardship. Our expert Account Managers work closely with you to match coverage to your specific property, whether residential or commercial.
Coverage Options That Go Beyond the Basics
We understand that no two properties—or policyholders—are alike. That’s why we offer a wide range of insurance packages designed to cover different property types and business operations throughout North Carolina:
Single-family homes & townhouses
Vacation homes & rentals
Office buildings & co-working spaces
Restaurants & retail storefronts
Warehouses, workshops & service businesses
Let us help you find a policy that aligns with your risk exposure, location, and budget, without sacrificing coverage.
Meeting Insurance Requirements in North Carolina
Does North Carolina Require Property Insurance?
There’s no legal mandate for homeowners or commercial property owners to carry insurance in North Carolina. However, if your property is financed, your lender will almost certainly require it to protect their investment. Additionally, having liability protection is a smart move, especially if your property is open to the public or prone to weather-related risks.
Must-Have Coverage for Mortgaged Properties and Businesses
If you’re financing your property or running a business in the Tar Heel State, here are essential coverages to consider:
Property Insurance: Covers your building and contents against common perils like wind damage, fire, theft, and vandalism.
Liability Coverage: Helps pay for legal fees, medical bills, and settlements if someone is injured on your property.
Business Interruption Insurance: Protects your income and pays essential operating expenses if your business shuts down due to a covered loss.
Frequently Asked Questions
About a home and commercial insurance company in North Carolina
No, it's not required by state law, but most lenders will require it if you have a mortgage. It's also strongly recommended due to natural risks like hurricanes and floods.
Any business that has physical premises, inventory, or equipment should consider commercial insurance, especially in retail, hospitality, medical services, and industrial sectors.
Standard policies generally include coverage for the dwelling, personal belongings, liability, and additional living expenses in case your home becomes uninhabitable due to a covered event.
Yes. We provide customizable policies based on your business’s nature—whether you're a contractor, dentist, retailer, or cafe owner. Optional coverages like cyber protection, professional liability, or equipment breakdown can be added as needed.
Insurers assess risk based on property location (e.g., coastal vs. inland), construction type, prior claims, safety features, and more. For businesses, factors like industry classification and revenue also influence the rate.
Property insurance protects physical structures and contents from damage or loss, while liability insurance covers legal and medical costs when others are injured or suffer damage on your premises.