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2024

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Best Homeowners Insurance Agencies in Cary, NC

Our Recommended Top 15

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Cary Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

88Reviewed

58Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

590 East Chatham Street, Cary, NC 27511

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (4)

Why choose this provider?

All About Insurance is a multi-line agency offering homeowners' coverage to clients in Cary. Founded in 1993, it counsels homeowners on factors that determine their policy, including its scope, cost, and its filing. It offers programs that cover natural disasters such as lightning, hail, and snow, as well as sudden instances of fire, smoke, and vandalism. All About Insurance also provides liability coverage for homeowners, which can include claims of property damage, defense costs, injuries, and medical expenses for the affected parties.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

919 Kildaire Farm Road, Cary, NC 27511

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
4.5 (8)

Why choose this provider?

Insurance Professionals, Inc. is a homeowners' insurance agency headquartered in Cary. Its agents are dedicated to helping families and individuals obtain an insurance plan that can help them anticipate expenses for accidents and damage to their homes. They can search for policies with coverage for condos, mobile homes, and in-home businesses. Insurance Professionals, Inc. also offers a homeowners' liability plan, which can protect clients from injury claims and medical expenses if someone else is injured at their property.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

3622 Shannon Road, Durham, NC 27707

Expertise.com Rating

Review Sources

Google
4.4 (25)
Facebook
4.5 (8)
Yelp
1.0 (3)

Why choose this provider?

Tracey Stidham - State Farm Insurance Agent offers various insurance options to homeowners in and around Cary. As a second-generation insurance agent with more than 15 years of experience, she is committed to protecting her clients' financial health in the event of a major disaster, such as natural emergencies, theft, fire, or vandalism. Ms. Stidham doesn't charge for initial evaluations and policy reviews. She is a fellow of the Life Management Institute.

  • Fire
  • Multiple Policy Types

PO BOX 778, Rolesville, NC 27571

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Birkner Insurance LLC is an insurance company serving clients living near the Cary area. Its policy covers personal liability and property damage, including loss of personal items, additional living expenses, and the value of damages on dwellings. It also has an additional coverage plan that pays for some services such as debris removal, water damage restoration, and septic tank backup cleaning. Birkner Insurance provides flood insurance for damages caused by floods.

  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

200 Cornerstone Drive, Cary, NC 27519

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Joyner Insurance Agency is an independent insurance agency based in Cary. The agency offers homeowners' insurance that covers the home or apartment of its clients. It pays for the cost of replacing personal property destroyed by a disaster. The homeowners' insurance policy also protects its clients against lawsuits in case someone is injured in their homes. Additionally, clients can choose to get either a named-perils policy or an all-risk policy from the agency.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1135 Kildaire Farm Road, Cary, NC 27511

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (5)

Why choose this provider?

Trapp Insurance Group Inc secures homes and homeowners in Cary and the surrounding communities. It is a homeowners' insurance agency offering provisions for damage on structures, loss of any content within the property, including any personal items that belong to the homeowner. The agency also covers loss of intent, supporting the client and their family while the home is being repaired from damage caused by fires, storms, earthquakes, or theft. Trapp Insurance Group is a service-disabled, veteran-owned, small business.

  • Multiple Policy Types

614 E Market St, Smithfield, NC 27577

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Triangle Insurance & Benefits serves the Cary metro area and provides homeowners insurance options. Its agents work to help clients purchase policies that cover their needs as thoroughly as possible at prices they can afford. Agents consult clients about the kinds of coverage they need and help them to shop through rates offered by its carriers. Triangle Insurance & Benefits also assists clients when they need to make claims. Health, life, and auto insurance plans are available here.

  • Multiple Policy Types
  • Multiple Carriers

3434 Kildaire Farm Road, Cary, NC 27518

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (6)
Yelp
5.0 (2)

Why choose this provider?

Schramm, Tingen & Associates is an insurance agency operating in Cary. It helps homeowners prepare for unexpected incidents like injuries or natural disasters. It gives them financial coverage to fix the structure, including plumbing, heating systems, and tool sheds. It also reimburses clients who are forced to live elsewhere or lose their house. Furthermore, its agents help clients wanting to add coverage for earthquakes, floods, and mudslides. Previous clients have praised the company for being informative and emotionally supportive.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

208 New Edition Court, Cary, NC 27511

Expertise.com Rating

Review Sources

Google
4.8 (106)
Facebook
5.0 (45)
Yelp
4.5 (20)

Why choose this provider?

Lipstone Insurance Group is a company based in Cary that assists clients with homeowners' insurance. The agents offer multiple types of home insurance policies. One of the policies compensates for the rebuild and repair costs of structures that are not attached to homes by a utility line or a fence. These structures include pools, detached garages, sheds, and gazebos. Steven Lipstone, the Lipstone Insurance Group's president, has more than 40 years of experience in the insurance industry.

  • Multiple Policy Types

2113 Cameron Street, Raleigh, NC 27605

Expertise.com Rating

Why choose this provider?

Summers Thompson Lowry Inc. is an independent insurance agency that carries homeowners insurance policies offered by trusted carriers. People can use this agency to purchase insurance that covers their construction costs if their homes experience significant damage or if tool sheds, treehouses, and other structures are destroyed. It also covers personal items and furniture pieces and can financially cover personal liabilities that homeowners face when guests are hurt. Luxury homeowners insurance as well as condo insurance options are available too.

  • Multiple Carriers
  • Multiple Policy Types

1001 Pemberton Hill Road, Apex, NC 27502

Expertise.com Rating

Review Sources

Google
3.9 (12)
Facebook
4.7 (7)
Yelp
5.0 (3)

Why choose this provider?

Apex Cary Insurance is an independent insurance agency providing multiple insurance coverage options. Insurance agents give an analysis of the marketplace and pass on the final insurance decision to policyholders. The agency's homeowners' insurance covers expenses from damages caused by disasters or if someone has been injured within the premises of the clients' house. Coverage depends on named-perils policy or an all-risk basis policy. Other services include business insurance and life insurance.

  • Fire
  • Multiple Policy Types

120 New Edition Court, Cary, NC 27511

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (1)

Why choose this provider?

Simpson Insurance Agency is an independent agency of insurance professionals that offers insurance solutions to residents in the Cary metro. It has been around since 1997 and covers client insurance needs from automobile to home protection. The company offers homeowners' insurance policies that protect homes and properties through its services such as value assessment, property inventory, and home safety. Its team of agents has a cumulative 50+ years of experience and has a tie-up with major providers such as Allied Insurance and Erie Insurance.

  • Fire
  • Multiple Policy Types

53 S. Broad St., Angier, NC 27501

Expertise.com Rating

Why choose this provider?

C & D Insurance Service Inc. is active in the Cary metro area and provides clients with an assortment of homeowners insurance services to help them purchase and make use of policies. Each client receives hands-on consultation from an experienced agent who informs them on policies and offers competitive rates from multiple carriers. C & D Insurance Service Inc. also helps to submit claims when clients' homes are damaged, their belongings are destroyed, or someone is hurt on their property.

  • Personal Property Insurance
  • Multiple Policy Types

104 Fountain Brook Circle, Cary, NC 27511

Expertise.com Rating

Review Sources

Google
3.4 (5)
Facebook
5.0 (5)

Why choose this provider?

Cary Insurance Group has been providing individuals and communities with insurance protection since 1980. Its agents design various insurance coverages, ranging from auto, home, renters, landlord, condo, and flood. Crafting a comprehensive insurance plan is made possible since the company has access to multiple carriers. The business helps clients to prepare financially in case of disasters and accidents at home. Homeowners' insurance covers costs of repairs for damaged properties and replaces missing valuable items such as jewelry, appliances, furniture, and equipment.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

421 Chapanoke Road, Raleigh, NC 27603

Expertise.com Rating

Review Sources

Google
4.4 (14)

Why choose this provider?

Founded in 2013, Amistad Insurance Services is a local insurance agency that focuses on helping people find the right insurance coverage in Cary and nearby communities. It has home insurance packages for covering homes and their contents from theft, vandalism, fire, and natural disasters. The agency also offers additional insurance coverage for historic homes, personal liabilities, and medical expenses. Amistad Insurance provides a wide range of insurance options for automobiles, leisure vehicles, and apartment renters.

  • Fire
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
All About Insurance
590 East Chatham Street, Cary, NC 27511
Insurance Professionals, Inc.
919 Kildaire Farm Road, Cary, NC 27511
Tracey Stidham - State Farm Insurance Agent
3622 Shannon Road, Durham, NC 27707
Birkner Insurance, LLC
PO BOX 778, Rolesville, NC 27571
Joyner Insurance Agency
200 Cornerstone Drive, Cary, NC 27519
Trapp Insurance Group Inc
1135 Kildaire Farm Road, Cary, NC 27511
Triangle Insurance & Benefits
614 E Market St, Smithfield, NC 27577
Schramm, Tingen & Associates
3434 Kildaire Farm Road, Cary, NC 27518
Lipstone Insurance Group
208 New Edition Court, Cary, NC 27511
Summers Thompson Lowry, Inc.
2113 Cameron Street, Raleigh, NC 27605
Apex Cary Insurance
1001 Pemberton Hill Road, Apex, NC 27502
Simpson Insurance Agency
120 New Edition Court, Cary, NC 27511
C&D Insurance Service, Inc.
53 S. Broad St., Angier, NC 27501
Cary Insurance Group
104 Fountain Brook Circle, Cary, NC 27511
Amistad Insurance Services
421 Chapanoke Road, Raleigh, NC 27603

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the deadline for filing a homeowners insurance claim in Cary North?

    In Cary North, homeowners should aim to file home insurance claims within thirty days of the incident. While filing a claim is not always the optimal course of action, seeking a professional evaluation of the damage is advised. Sometimes, the repair expenses fall below the deductible cost. In that case, it might be more financially prudent to address the damage independently.

  • What is included in homeowners insurance coverage in Cary North?

    Homeowner insurance policies in Cary North are designed to cater to your specific residence type and the types of losses you want safeguarded. You can select an approach that targets particular losses of concern or opt for a comprehensive policy that extends protection to a broader spectrum of unforeseen events. It may also include crucial facilitating repairs or rebuilding in the event of damage or destruction due to insured incidents.

  • What is the basis for calculating a homeowners insurance quote in Cary North?

    A homeowners insurance quote in Cary North estimates your policy's annual or monthly cost, and this is based on factors such as the size and age of your home, neighborhood crime statistics, proximity to a fire station, and risks associated with natural disasters. If you are considering getting homeowners insurance in Cary North, getting quotes from several companies is advisable. This will help you get the best possible rate.

  • How can you tell if you have the right insurance for your home in Cary North?

    Determining if you have the appropriate insurance for your Cary North home involves understanding that a homeowners policy is intended explicitly for owner-occupied properties. Therefore, changes in your situation can necessitate adjustments to your insurance coverage. Even scenarios like selling your home but renting it back temporarily until the new owners move in demand a different coverage approach.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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