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2025

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Best Homeowners Insurance Agencies in Concord, NC

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Concord 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.

59Reviewed

39Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

250 Church St NE, Concord, NC 28025

Expertise.com Rating

Review Sources

Google
4.7 (35)
Facebook
5.0 (4)

Why choose this provider?

Established in 1996, Moulton Insurance Group is an insurance agency in Concord that offers home and auto coverage to clients in the Piedmont region and surrounding communities. An experienced team of insurance professionals helps clients protect homes and property value with homeowners insurance policy. A standard policy coverage includes dwellings, personal property, liability, wind and hail coverage, and loss of use. Moulton Insurance Group also offers a range of personal and commercial insurance products, including condo and commercial property insurance.

  • Multiple Policy Types

646 Church Street North, Concord, NC 28025

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
5.0 (2)

Why choose this provider?

Jason Bentley Agency services the Concord area and offers assistance in securing insurance coverage suitable for homeowners' unique needs. The agency works to ensure financial protection for losses and damages to properties and belongings due to covered incidents such as smoke, fire, falling objects, or hail. Jason Bentley Agency also covers additional living expenses and specialty dwelling needs that go beyond traditional home insurance coverage. The firm is owned by Jason Bentley, who has been providing insurance services for over a decade.

  • Personal Property Insurance
  • Multiple Policy Types

3124 Eastway Drive, Charlotte, NC 28205

Expertise.com Rating

Review Sources

Facebook
4.0 (1)

Why choose this provider?

Johnson Insurance Management is active in the Concord metro area and helps clients with a multitude of needs as they shop for homeowners insurance policies. Its agents assess the value of homes and any valuables that clients have and offer quotes to cover the replacement costs of those items. Liability coverage is available to protect clients from financial losses if they are sued for incidents that occur on their properties. Johnson Insurance Management also offers renters insurance.

  • Multiple Policy Types
  • Personal Property Insurance

45 Odell School Road, Concord, NC 28027
WebsiteLicense: 6567297

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (2)

Why choose this provider?

CMA Insurance is an independent insurance agency in Concord that serves the city and the neighboring communities. It provides home insurance solutions, protecting homeowners, condo owners, and renters from damage and liability. The company also offers auto, boat, life, and business insurance products. In addition, commercial clients can take advantage of policies, including professional liability, commercial property, surety bonds, and workers' compensation insurance. CMA Insurance is a member of the Independent Insurance Agents of North Carolina (IIANC) and the Cabarrus County Chamber of Commerce.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

732 Kannapolis Parkway, Concord, NC 28027

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
5.0 (7)

Why choose this provider?

Allen and Ballard Insurance Associates is a locally-owned insurance company serving Concord. As an independent agency, it carries different insurance providers to suit the different needs of its clients. It offers homeowners' insurance policies which can be done on a named-perils or all-risk basis. The former covers losses cited in the contract while the latter covers all kinds of losses. Allen and Ballard Insurance Associates is committed to building long-lasting relationships with its clients.

  • Multiple Policy Types
  • Renter's Insurance
  • Flood

251 Post Office Drive, Indian Trail, NC 28079

Expertise.com Rating

Review Sources

Google
5.0 (147)
Facebook
4.8 (80)
Yelp
5.0 (4)

Why choose this provider?

Spivey Insurance Group provides homeowners insurance options to clients in the Concord metro area. Its agents help clients to purchase plans that cover the dwellings on their land and pay for any living and medical expenses should clients be forced to leave because of damage to their properties. Clients can also purchase liability coverage to protect them from lawsuits if something happens on their property. Renters insurance and condo insurance plans are available.

  • Fire

50 Transit Court Northwest, Concord, NC 28025

Expertise.com Rating

Review Sources

Google
4.8 (87)
Yelp
5.0 (1)

Why choose this provider?

AllCare Insurance Services has been providing insurance assistance to clients in Concord and its surrounding areas since 1984. The independent agency specializes in handling homeowners' insurance policies. Homeowners' insurance protects policyholders financially whenever they experience losses. Other property damages caused by smoke, vandalism, hail, and fire are covered under home insurance as well. Additional living expenses are also provided for a year if properties are being repaired or replaced. The company's agents can provide assistance in settling claims.

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

215 Sardis Grove Lane, Matthews, NC 28105

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (3)

Why choose this provider?

Jim Boyce Insurance sells homeowners insurance plans that cover replacement costs for the structure of homes and any property inside of them. Its agents answer questions that clients have and assess their circumstances to help them shop for quotes and purchase actual plans. These agents connect clients with carriers and help them to find the best plans for their needs. Jim Boyce Insurance also offers policies for flood insurance and for renters insurance.

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

8252 Highway 49, Mt. Pleasant, NC 28124

Expertise.com Rating

Why choose this provider?

First Bank offers homeowners insurance near Concord and provides a variety of options for coverage plans. Its agents provide information to clients that need to cover dwellings and belongings on their land and sells them policies to provide financial coverage should these assets be damaged or destroyed. Some common scenarios it deals with include wind, fire, and storm damage. First Bank also offers farm insurance plans and insures manufactured homes. Commercial insurance is available.

  • Fire

797 Davidson Drive Northwest, Concord, NC 28025

Expertise.com Rating

Review Sources

Google
5.0 (234)
Facebook
5.0 (3)

Why choose this provider?

Byrd Agency is a homeowners' insurance agency servicing the residents of Concord. Its insurance professionals carry a variety of home insurance plans and guide homeowners in determining appropriate insurance products and coverage. They inform clients of the insurance process and applicable coverage options, such as compensation for structural repairs, stolen personal items, and non-resident injury liabilities. Homeowners also mitigate financial losses from natural disasters such as wind and random acts like vandalism.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Moulton Insurance Group
250 Church St NE, Concord, NC 28025
Jason Bentley Agency
646 Church Street North, Concord, NC 28025
Johnson Insurance Management
3124 Eastway Drive, Charlotte, NC 28205
CMA Insurance
45 Odell School Road, Concord, NC 28027
Allen and Ballard Insurance Associates
732 Kannapolis Parkway, Concord, NC 28027
Spivey Insurance Group
251 Post Office Drive, Indian Trail, NC 28079
AllCare Insurance Services
50 Transit Court Northwest, Concord, NC 28025
Jim Boyce Insurance
215 Sardis Grove Lane, Matthews, NC 28105
First Bank
8252 Highway 49, Mt. Pleasant, NC 28124
Byrd Agency
797 Davidson Drive Northwest, Concord, NC 28025

Concord, NC Homeowners Insurance Agency FAQs

  • For homes with and without a mortgage in Concord, how much is homeowners' insurance worth proportional to housing costs?

    Proportional to housing costs in Concord, homeowners' insurance forms 3.5% of total housing costs for those whose homes are under mortgage. If the house is not being mortgaged, the percentage is bigger at 12.2%. These are slightly lower than the figures for the rest of Cabarrus County, where the numbers are 3.66% and 13.02%, respectively.

  • Are the risks covered by homeowners' insurance in Concord limited to damage to real estate?

    No, homeowners' insurance policies in Concord are not strictly limited to damage to real estate. While the coverage usually extends to the structure of the house in case of repairs due to accidents or natural phenomena, the scope extends to personal property. Plans also cover additional living expenses when forced to live elsewhere due to house repairs and tort liability.

  • What factors affect the cost of homeowners' insurance in Concord?

    Homeowners' insurance in Concord is affected by the value and age of a home, as more expensive and older homes are pricier to replace. The insured party's credit score influences the pricing of premiums. Location is an important factor since it dictates what perils a property would be exposed to.

  • Do mortgage lenders in Concord require homeowners' insurance coverage from borrowers?

    There is no hard and fast rule in Concord that compels mortgage lenders to require borrowers to be covered by homeowners' insurance policies. It is a common imposition, however, because the mortgagor has an interest in making sure that the property offered as collateral stays intact during the duration of the loan.

  • Do homeowners' insurance policies in Concord extend chiefly to the main dwelling house?

    A homeowners' insurance policy in Concord typically extends to the main dwelling house, but there are options to extend to attached structures such as dog houses, garages, and sheds. This has to be negotiated into the contract but is ideal for those who store property in adjoining buildings.

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