Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Asheville

Our Recommended Top 13

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 Asheville 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.

63Reviewed

43Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

982 Haywood Road, Asheville, NC 28806

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Founded in 1975, General Insurance Services Inc. serves people living in Asheville. Its professionals assist clients in identifying the best insurance policy fit for their budgets and needs. The company's homeowners insurance policy covers structure protection in case of hazards such as bad weather, vandalism, and fire. Subscribers of the liability coverage policy can use it to settle damage fees after destroying other people's property. The company's policy also covers payment for damaged possessions and detached structures such as gazebos.

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

5 Allen Avenue, Asheville, NC 28803

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Review Sources

Google
4.8 (95)
Facebook
4.4 (28)

Why choose this provider?

McKinney Insurance Services caters to homeowners in the Asheville area that need help identifying financial protections suited for their properties. The firm works to assess the unique needs of clients and helps them identify coverage for damages and liabilities for injuries that occur within a property. McKinney Insurance Services also offers assistance to homeowners seeking insurance support for loan-related issues. The family-owned agency was founded by Doug and Sandy McKinney in 1981 and currently has three locations.

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

900 Hendersonville Road, Asheville, NC 28803
WebsiteLicense: 1000012781

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Review Sources

Google
4.0 (8)

Why choose this provider?

Pamela H Owenby Insurance, Inc., is an insurance agency that serves Asheville and the surrounding communities. It primarily offers home insurance solutions, covering primary and secondary homes, vacation homes, apartments and condos, as well as vacant properties. The company also offers auto insurance, Medicare Supplements, and commercial insurance policies. Additionally, general liability coverages are available to various industries, including plumbing and retail. Owner Pamela has been in the industry for over 22 years. Her previous work experience makes her knowledgeable about construction and real estate.

  • Health Insurance

801 North Charles G Seivers Boulevard, Clinton, TN 37716

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Review Sources

Google
4.0 (15)

Why choose this provider?

Founded in 1992, Gary Cooper Insurance serves homeowners living in the Asheville area. Its staff evaluates the possible risks associated with clients' homes and suggests the necessary insurance options to safeguard the property. The company's policy can cover damage to homes, additional structures such as unattached garages, personal property, and extra expenses the policyholders incur at the time of the loss. Gary Cooper Insurance also offers legal liability coverage for property damage or injuries incurred.

  • Multiple Policy Types

344 Merrimon Avenue, Asheville, NC 28801

Expertise.com Rating

Review Sources

Google
4.9 (10)

Why choose this provider?

MATH Insurance Service is a locally-owned and operated agency that provides homeowners policies for clients in Asheville. It offers property damage coverage, which secures costs from hazards such as hail, wind, lightning, fires, and theft; scheduled property insurance for items such as jewelry, musical instruments, and collectibles; and homeowners liability to cover claims of injury or property damage to others, medical expenses, and defense costs. MATH also provides other lines of home insurance, including renters, condo, and mobile home.

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

135 Charlotte Highway, Asheville, NC 28803

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Review Sources

Google
4.4 (27)
Facebook
5.0 (4)

Why choose this provider?

Tammy Murphy is a State Farm insurance agent handling the auto and homeowners' insurance needs of clients in Asheville and Buncombe County. She is experienced in educating clients on protecting their homes and assets through home insurance with good coverage, whether it's for personal or rental property. Tammy offers insurance that covers the repair and replacement costs in case of disasters, theft, or vandalism. She is also experienced in business, pet, life, and health insurance products and services.

  • Personal Property Insurance
  • Multiple Policy Types

899-A Haywood Road, Asheville, NC 28806

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Review Sources

Google
4.7 (14)
Facebook
4.2 (10)

Why choose this provider?

Located in North Carolina, Barnette and Coates is a locally-owned and -operated insurance agency serving clients in the Asheville area. It offers homeowners' insurance policies inclusive of coverage for the dwelling, personal belongings, and liabilities. It also covers costs for water damages, theft, break-ins, vandalism, fire and smoke damages, frozen pipes and plumbing, and snow and ice damages. Clients may avail of a variety of home insurance coverage options, including jewelry and scheduled property, mortgage protection, and in-home business insurances.

  • Multiple Policy Types

408 Executive Park, Asheville, NC 28801

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Review Sources

Google
4.8 (20)
Facebook
5.0 (11)

Why choose this provider?

Insurance Service of Asheville is an independent insurance agency providing homeowners' insurance. The company has been in the business for over 60 years. Its team of insurance agents provides protection to clients and their homes in the event of theft, vandalism, or fire. On top of protecting a client's dwelling, they can also provide coverage for their personal properties, living expenses, medical expenses, and liabilities. Clients can also opt to add coverage for structures surrounding their homes.

  • Multiple Policy Types

2144 Hendersonville Rd F, Arden, NC 28704

Expertise.com Rating

Review Sources

Google
4.9 (25)
Facebook
4.8 (23)

Why choose this provider?

Adams & Brown Insurance Agency Inc. is a locally owned business that serves Asheville residents. The company offers a wide range of insurance policies, including homeowners' insurance. Its agents provide homeowners with financial protection that covers property damage caused by most disasters. Home insurance policies also protect clients against injury claims or property damage claims. The professionals offer separate policies with flood and earthquake coverage. Adams & Brown Insurance Agency Inc. works with providers such as Progressive and Nationwide.

  • Multiple Policy Types

1278 Hendersonville Road, Asheville, NC 28803

Expertise.com Rating

Review Sources

Google
4.9 (73)
Facebook
5.0 (12)

Why choose this provider?

The Juengel Agency is an independent insurance company based in Asheville that was established in 2014. Its agents shop for insurance coverages on behalf of consumers. The team also provides a list of available insurance coverages and pricing options that can match every client's needs. The company specializes in assisting first-time home buyers. Its homeowner's insurance protects houses and assets from damages or accidents. Additionally, the agency offers insurance plans for condominiums, rental dwellings, renters, and personal articles.

  • Renter's Insurance
  • Multiple Policy Types

67 South Charlotte Street, Asheville, NC 28801

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (4)

Why choose this provider?

Morton Insurance and Financial Services is an independent insurance agency in Asheville that offers personalized insurance plans to clients needing protection for their home, auto, business, and health needs. The company provides homeowners' insurance policies that cover homes and their contents from unexpected damage and losses. The policies also protect homeowners from liability in the event of an accident that causes damage to other properties or accidents causing injury to other people within the property.

  • Renter's Insurance
  • Earthquake

1070 Tunnel Road, Asheville, NC 28805

Expertise.com Rating

Review Sources

Google
4.8 (57)
Facebook
5.0 (2)

Why choose this provider?

Founded more than two decades ago, Able Auto & Cycle Insurance provides impartial advice and impartial services to residential and commercial customers in North Carolina. The agency regularly assists homeowners, helping them assess their coverage needs, evaluate their existing policies, and consider additional coverage, such as replacing high-value personal items and paying for relocation costs if they have temporarily move home. The agents also specialize in life, health, and auto insurance.

  • Multiple Policy Types
  • Renter's Insurance

60 North Merrimon Avenue Suite 111, Asheville, NC 28804

Expertise.com Rating

Review Sources

Facebook
4.6 (11)
Yelp
5.0 (1)

Why choose this provider?

WNC Insurance Agency is a family-owned and operated agency that's been helping residential and commercial clients throughout North Carolina since the start of the millennium. The Asheville-based agency specializes in home insurance. It can help clients determine their coverage needs, assess their current policies, and provide unbiased advice on the products of its partner carriers, which includes The Hartford and Erie. The agency also specializes in auto, life, and business insurance.

  • Multiple Policy Types

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 average timeframe for an insurance company in Asheville to acknowledge and resolve a homeowner's claim?

    In Asheville, when homeowners file for a claim, insurance companies are obligated to acknowledge it within a 30-day window. However, same with other states, there isn't a fixed deadline for the final settlement of the claim. The duration can vary since every claim has its unique intricacies and complexities that can influence the settlement timeline.

  • Which natural disasters are not covered by a standard Asheville homeowners' insurance policy?

    Traditional homeowners' insurance in Asheville does not cover flood damage, earthquakes, landslides, or mudslides. To increase coverage for such events, homeowners should consult a local agency or expert. Additionally, they can check their policy to see if wind and hail damage is covered; if not, they can consider obtaining a separate policy, which is frequently offered by the North Carolina Insurance Underwriting Association.

  • How does depreciation affect claim payouts for Asheville homeowners based on their insurance policy type?

    Depreciation is the decrease in property value due to age and wear for Asheville homeowners. If insured under Actual Cash Value (ACV), claims will reflect the value decrease. In contrast, with Replacement Cost Value (RCV), insurance compensation is based on the current cost to repair or replace an item with a comparable item, without depreciation being taken into account.

  • Can Asheville residents who choose the actual cash value for building damage claims later request additional reimbursement?

    In Asheville, homeowners who initially file a claim for building damages on an actual cash value basis can request additional compensation. They have the option to file a follow-up claim within 180 days of the initial loss, in accordance with the Loss Settlement Provisions in their homeowner's contract, and potentially receive more based on replacement cost loss settlement stipulations.

  • Can a homeowner with replacement cost coverage in Asheville expect additional payment after repairs if they only receive a partial payment initially for dwelling damage?

    If an Asheville resident with replacement cost coverage for their home initially receives a partial payment, they are not shortchanged. Typically, insurance companies make a partial payment first. After the homeowner has completed the repairs, the insurance will cover the difference between the initial payment and the actual repair cost using comparable construction. This occurs up to the policy's limits. If the homeowner decides not to make repairs, an actual cash value claim for the damage can be made.

  • 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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