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2024

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Best Homeowners Insurance Agencies in Fayetteville, NC

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Fayetteville 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.

110Reviewed

70Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

111 Lamon St, Fayetteville, NC 28302

Expertise.com Rating

Review Sources

Google
4.9 (10)

Why choose this provider?

Al Kerr Insurance and Associates is a team of insurance agents in Fayetteville that helps clients find comprehensive coverage for various insurance needs. It has a team of homeowners insurance agents that walks clients through their options in home protection for uneventful cases of theft, natural disasters, homeowners' liability, and general peace of mind. The company has been in operation since 1975 and maintains another office in Spring Lake, casting a wider net of insurance services in the North Carolina state.

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

1010 Hope Mills Road, Fayetteville, NC 28304

Expertise.com Rating

Review Sources

Google
4.9 (166)
Facebook
5.0 (10)

Why choose this provider?

East Coast Insurance Services is a local independent insurance agency that offers homeowners' insurance products in Fayetteville. It helps homeowners find insurance solutions that suit their requirements and have customized coverage. The policies it provides help protect homeowners financially in the event of a fire, theft, vandalism, or other insured events. Also covered is personal liability for when a guest is injured while on the property. East Coast Insurance Services also has a specialty dwelling policy for rental or unoccupied homes.

  • Fire
  • Renter's Insurance

8175 Cliffdale Road, Fayetteville, NC 28314

Expertise.com Rating

Review Sources

Google
4.1 (7)
Facebook
5.0 (2)

Why choose this provider?

Herbert Townes Insurance Agency is a local veteran-owned and operated agency servicing individuals and businesses in Fayetteville. Its goal is to help clients manage and plan for all types of potential risks. It offers flexible insurance coverage options to protect homes and valuable belongings for years to come. It is dedicated to assisting its clients find and customize policies that fit their individualized needs. It also specializes in providing auto, life, and commercial insurance coverage.

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

129 Franklin Street, Fayetteville, NC 28301

Expertise.com Rating

Review Sources

Google
5.0 (198)
Facebook
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Callahan & Rice Insurance Group Inc. provides personal and commercial insurance coverages for residents and business owners in areas around Fayetteville. The agency's account managers discuss a selection of homeowners' insurance coverages. This can include the main and other structures in the property, family/personal liability, and personal belongings. The company has a wide range of products and carriers and can help clients choose the best insurance policy for their needs and concerns in a price range that fits their budget.

  • Personal Property Insurance

5412 Raeford Rd, Fayetteville, NC 28304

Expertise.com Rating

Review Sources

Google
4.6 (36)

Why choose this provider?

Total Insurance Center is an independent insurance agency with locations in Fayetteville and Sanford. The agency represents more than ten personal lines insurers to ensure clients find the best insurance policies for their homes. These home insurance policies typically cover liability suits, water and pipe damage, burglary and theft, and damage caused by natural disasters, among others. The agency also provides assistance with renters, automobiles, motorcycles, RV, boats, business, life, and health insurance. Total Insurance Center, which also employs bilingual insurance agents, was founded by Dane Devier Sr and Carolyn Devier nearly four decades ago.

  • Multiple Policy Types

3007 Fort Bragg Rd, Fayetteville, NC 28303

Expertise.com Rating

Review Sources

Google
4.8 (35)
Facebook
5.0 (16)
Yelp
3.5 (3)

Why choose this provider?

Darden, Miranda & Associates Insurance provides personal and commercial insurance coverage to residents and business owners in Fayetteville and the surrounding Cumberland County area. Established in 1948, the company informs clients of the different types of homeowners insurance policies, including the differences between a named-perils policy and an all-risk policy. The company generally recommends all-risk policies for the clients because they cover a wider range of potential losses.

  • Earthquake
  • Multiple Policy Types
  • Flood

225 Green Street, Fayetteville, NC 28301

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (7)

Why choose this provider?

AI Insurance is an independent agency based in Fayetteville that provides a wide range of insurance programs to North Carolina. One of the insurance products the company offers is homeowners insurance, which helps people protect their houses against disasters. Its agents help clients understand the coverage of homeowners insurance, the program's features and benefits, and how they can file a claim when needed. AI Insurance has 50 locations, including Rocky Mount, Greenville, Wilmington, Greensboro, and Rockingham.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

2228 Hope Mills Rd, Fayetteville, NC 28304

Expertise.com Rating

Review Sources

Google
5.0 (84)
Facebook
5.0 (31)

Why choose this provider?

Sarah Sanders, Independent Agent-Insurance Service Center is an insurance agent that has been serving clients in Fayetteville for over 22 years. She offers homeowners insurance policies that cover personal possessions, the structure of homes, replacement costs, liabilities, and living expenses in case of a disaster. She also provides supplemental policies such as flood and umbrella policies, as well as jewelry insurance. Car, business, and life insurance policies are also available. A client commended her for explaining things clearly and being thorough.

  • Renter's Insurance

1909 Bragg Blvd, Fayetteville, NC 28303

Expertise.com Rating

Review Sources

Google
4.7 (49)

Why choose this provider?

Warren Insurance Group - A Mike Warren Agency is a multi-coverage agency that offers property damage and liability coverage to homeowners in Fayetteville. It provides policies that cover select natural disasters, loss of personal belongings, instances of fire, theft, and injuries or accidents that occurred on a client's property. It also counsels clients on types of policies such as mortgage insurance and home warranty, and the scope of their coverage. The agency also offers renters, umbrella, and auto insurance.

  • Personal Property Insurance
  • Multiple Carriers
  • Flood

5310 Yadkin Road, Fayetteville, NC 28303

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Insurance Service Center has been serving North Carolina, including Fayetteville, for more than 40 years, providing clients with insurance solutions. It offers homeowners insurance policies from more than 30 insurance companies to help tailor fit a policy to a client's needs. Its other offerings include auto, umbrella, flood, rental property, boat, and motorcycle insurance plans. Its team is composed of experienced staff members who are knowledgeable about insurance products.

  • Multiple Carriers
  • Flood
  • Fire

2615 Raeford Rd, Fayetteville, NC 28303-4495

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Ethan Gardner - State Farm Insurance Agent is a North Carolina insurance agency serving residents and businesses in Fayetteville. Its founder, Ethan Gardner, has over 7 years of experience in the insurance industry. It provides homeowners' insurance policies that are customized to address the clients' goals and their desired coverage. It specializes in resident relocations to the Cumberland County area. It also offers auto insurance, renters insurance, condo insurance, life insurance, business insurance, and financial services.

  • Renter's Insurance
  • Multiple Policy Types

6415 Brookstone Lane, Fayetteville, NC 28314

Expertise.com Rating

Review Sources

Google
4.6 (441)

Why choose this provider?

GEICO is an insurance company serving clients in Fayetteville. It offers comprehensive homeowners insurance policies covering property damage, personal property, jewelry, personal liability, medical bills, and additional expenses. Clients may also avail of other property insurance products, including landlord coverage, renters insurance, and mobile home insurance. A wide variety of vehicle insurances, business insurances, and additional insurances, such as overseas, travel, and umbrella, are also available. GEICO provides 24/7 customer service and can assist Spanish-speaking clients.

  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Al Kerr Insurance and Associates
111 Lamon St, Fayetteville, NC 28302
East Coast Insurance Services
1010 Hope Mills Road, Fayetteville, NC 28304
Herbert Townes Insurance Agency
8175 Cliffdale Road, Fayetteville, NC 28314
Callahan & Rice Insurance Group Inc
129 Franklin Street, Fayetteville, NC 28301
Total Insurance Center
5412 Raeford Rd, Fayetteville, NC 28304
Darden, Miranda & Associates Insurance
3007 Fort Bragg Rd, Fayetteville, NC 28303
Ai Insurance
225 Green Street, Fayetteville, NC 28301
Sarah Sanders, Independent Agent-Insurance Service Center
2228 Hope Mills Rd, Fayetteville, NC 28304
Warren Insurance Group - A Mike Warren Agency
1909 Bragg Blvd, Fayetteville, NC 28303
Insurance Service Center
5310 Yadkin Road, Fayetteville, NC 28303
Ethan Gardner - State Farm Insurance Agent
2615 Raeford Rd, Fayetteville, NC 28303-4495
GEICO
6415 Brookstone Lane, Fayetteville, NC 28314

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.
  • How much does a Fayetteville homeowners’ insurance cost?

    The average cost of homeowners' insurance in Fayetteville is $1,575. This computation is based on policies covering homes with an average value of $267,355 and includes protection against windstorms and hail with a 2% deductible. Homeowners' insurance rates are affected by several factors, such as the age, value, and location of a residence. Credit scores and the preferred extent of coverage also influence home insurance rates.

  • Is homeowners’ insurance required by law in Fayetteville?

    No. However, Fayetteville lenders require this when homeowners carry a mortgage or have utilized a home equity loan or line of credit. This requirement becomes optional once home loans are fully settled. Irrespective of compulsory status, obtaining homeowners' insurance is highly advisable as it provides financial protection and peace of mind to owners of residential property.

  • What impact climate change can have on insurance premiums in Fayetteville?

    Some insurers in Fayetteville may charge higher homeowners' insurance rates in areas prone to climate-related damages such as flooding or severe weather events. Taking steps like reinforcing roofs and installing storm shutters or other protective measures can help prevent damage from these types of events, as well as lower premiums.

  • What are the types of injuries that homeowners’ insurance may cover in Fayetteville?

    Homeowners' insurance policies cover various types of injuries that might occur on a residential property in Fayetteville. These include dog bites and other types of animal attacks. In addition, gunshot injuries, swimming pool injuries, drownings, and slip-and-fall accidents caused by hazardous property conditions are covered by a homeowners’ insurance policy.

  • Is loss of use insurance a standard part of homeowners’ insurance in Fayetteville?

    Yes. Loss of use insurance, also known as additional living expenses coverage, is specifically intended to cover the temporary living costs of Fayetteville homeowners while their residences are undergoing repairs. This coverage covers expenses such as meals, hotel stays or other suitable accommodations, and moving and storage fees.

  • 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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