Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Charlotte

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

409Reviewed

253Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9711 David Taylor Drive Suite 201, Charlotte, NC 28262
  • Renter's Insurance

Why choose this provider?

Based in Charlotte, Premier Insurance is an agency that offers financial protection plans for individuals and businesses in and around the metro. It assists clients in protecting their properties by providing homeowners' insurance which can be designed to cover repairs, medical expenses, and legal claims-related costs. It also offers other insurance policies for commercial properties, general liabilities, professional liabilities, cars, mobile homes, and pets. Premier Insurance has been in the industry for more than five years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6401 Carmel Rd, Suite 208, Charlotte, NC 28226
  • Multiple Policy Types

Why choose this provider?

North Carolina Business Insurance Agency is a service provider that caters to homeowners in Charlotte. It offers renters', secondary, condo, and vacant home insurance programs. Its policies cover a property's exterior and the owner's liability or personal possessions, as well as unexpected replacement costs and additional living expenses. The agency also offers a flood insurance policy that covers appliances, electrical and plumbing systems, and furniture. Its founder and agent, Michael Goodman, has been in the insurance business for over 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
520 W 5th Street Suite 103, Charlotte, NC 28202
  • Homeowners

Why choose this provider?

Jake Fulkerson offers a wide range of insurance products to clients in Charlotte and the surrounding areas. As a State Farm insurance agent, Jake helps homeowners insure their properties against natural and human-induced incidents. He also caters to condominium owners and renters looking to protect themselves and their belongings against losses from unexpected events like fire and theft. Jake has been representing State Farm for over 20 years. He also provides customers with auto and life insurance options.

License Verified:

License: 9100123

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (274)
Facebook
5.0 / 5 (13)
Yelp
4.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4822 Albemarle Rd Suite #240, Charlotte, NC 28205
  • Homeowners

Why choose this provider?

Select Insurance Group helps homeowners protect their homes and everything in it, as well as keep their property covered from damages and accidents. The agency has been serving the community of Charlotte and its nearby areas since 2008. It represents a vast network of insurance carriers to help clients obtain adequate homeowners' insurance policies to cover them against financial loss in case of untoward accidents and incidents in a client's home. Other insurance products include commercial, motorcycle, and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (103)
Facebook
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6132 Brookshire Blvd. Suite B, Charlotte, NC 28216
  • Multiple Carriers

Why choose this provider?

Capstone Insurance Agency, LLC, is an independent company that serves clients in Charlotte and the surrounding communities. It offers homeowners' insurance policies that cover various events, including fire, flood, personal and real property damage, personal liability, and additional living expense. It provides other personal insurance options, such as renters', condo, and mobile home insurance. Additionally, the company offers life and business coverage. Capstone Insurance Agency has been providing financial protection to clients for more than 30 years.

License Verified:

License: 1000579259

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (98)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
249 Mt Holly Huntersville Rd., Charlotte, NC 28214
  • Homeowners

Why choose this provider?

Megan Koterba is a second-generation State Farm insurance agent that serves the residents of Charlotte and its surrounding metros. She guides homeowners through the insurance process, creating personalized plans and accessing policies that suit their unique needs. She offers coverage options that help protect homes and personal belongings while mitigating risks and liabilities. She also assists in insurance relocation procedures for clients moving to the metro. Megan caters to clients looking for auto, life, health, and business insurance policies.

License Verified:

License: 8940458

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
4 Minthorne St, Charlotte, NC 10301
  • Multiple Carriers

Why choose this provider?

Home Insurance Agency provides policies to clients in Charlotte and the surrounding communities. It provides homeowners' insurance to cover damage caused by natural disasters like hail, windstorms, lightning, and fire. Clients can also customize their policies to extend coverage to other structures within the property, such as tool sheds and garages, or in the event that the property becomes uninhabitable. The agency works with insurance providers like The Andover Companies, Homeowners of America, Narragansett Bay Insurance Company, and Velocity Risk Underwriters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4412 Park Road, Charlotte, NC 28209
  • Earthquake
  • Flood

Why choose this provider?

Lockhart Insurance is a company that serves the residents in the Charlotte area. The family-owned business was founded in 1972 by Charles Lockhart and is now presided by Gregg Lockhart. It provides homeowners' insurance policies that cover damage caused by poor maintenance, floods, and earthquakes. It also offers coverage options for home injuries, theft, and vandalism. Lockhart provides auto insurance policies and offers products that include property, liability, and medical coverage options. Lockhart Insurance also offers life and pet insurance policies.

License Verified:

License: 5549895

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1973 J.N. Pease Place Suite 203, Charlotte, NC 28262
  • Renter's Insurance
  • Condos

Why choose this provider?

O'Connor Insurance Associates is an independent insurance agency that serves clients in Charlotte and nearby communities. Established in 2000, it is run by the husband-and-wife team of Michelle & Terry O'Connor. They help first-time homeowners, and longtime residents create suitable home insurance policies. This includes general policy plans and specific coverages like theft, property damage, and premises liability. The agency has helped over 1500 clients throughout its twenty-year operation. Its other policy options include auto insurance, business insurance, and long-term care plans.

License Verified:

License: 1000012636

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (60)
Facebook
5.0 / 5 (5)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5618 Albemarle Rd, Charlotte, NC 28212
  • Condos
  • Homeowners

Why choose this provider?

All Points Insurance Agency is a financial services company that serves clients in Charlotte. The company offers homeowners insurance services and helps clients protect their homes, condos, or duplexes from liability. It also deals with business insurance and provides commercial auto, workers' compensation, and general liability insurance options. The company's other insurance offerings include automobile, motorcycle, and RV insurance. It has been operating since 1991. The company's owner, Mike Fitzpatrick, is certified in insurance counseling from The Society of Certified Insurance Counselors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4805 Park Road Suite 103, Charlotte, NC 28209
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

A State Farm insurance agent since 2010, Jeremy Fulkerson offers homeowners' insurance to clients in Charlotte and nearby areas. Client benefits from homeowners' insurance through financial coverage in situations that call for repairs such as accidents, hail, snow, fire, or vandalism. Homeowners' insurance also has several options, including protection for valuables, home guests, and pets. Fulkerson is actively involved in community service by supporting non-profit organizations, including Project 658 and the Roc Solid Foundation.

License Verified:

License: 9100123

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (220)
Yelp
3.5 / 5 (18)
Facebook
4.5 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4420 C, The Plaza, Charlotte, NC 28215
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Pegram Insurance is an independent agency serving families and individuals in the Charlotte metro. It helps clients acquire homeowners' insurance to protect them from financial losses caused by natural disasters, theft, and vandalism. The company offers personal property and liability, living and medical expenses, and flood insurance. It also provides commercial insurance, such as general liability and workers' compensation coverages. Pegram Insurance is a locally owned and operated business that has been operating for over 15 years.

License Verified:

License: 1000109131

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (294)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8316 Medical Plaza Dr, Ste. B, Charlotte, NC 28262
  • Earthquake

Why choose this provider?

Parks Insurance Group is an independent agency that has been operating in Charlotte since 1989. It offers homeowners insurance policies to help individuals in protecting their families, property structure, and the personal belongings inside. The coverage options include basic liability and protection from natural disasters like floods and earthquakes. Its team of professionals helps clients in customizing an insurance policy through multiple carriers including Nationwide, Travelers, and Chubb. The agency also provides boat, jewelry, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (48)
Facebook
5.0 / 5 (7)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8220 University Exec Park, Suite 170, Charlotte, NC 28262
  • Personal Property Insurance

Why choose this provider?

Kevin Brewer & Associates helps clients in finding insurance products appropriate for their requirements in Charlotte. It has home coverage options that include homeowners' liability. This coverage encompasses claims for others' property damage, injury to others, defense costs, and medical expenses. Other home indemnity products include mortgage protection and landlord policies. This Trusted Choice independent insurance agency, which has been serving customers since 1993, also has licenses to operate in Georgia and South Carolina. It carries products from providers like Nationwide, Progressive, Berkley Southeast, and Donegal.

License Verified:

License: 1000004538

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (84)
Facebook
5.0 / 5 (7)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6914 Matthews Mint Hill Rd Ste 150, Mint Hill, NC 28227
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Superior Insurance - Travis McCray Agency serves residents of North Carolina and South Carolina with homeowners insurance policies. The company has offices in Charlotte, North Carolina, and Greenville, North Carolina. It offers homeowners insurance for both condos and residential homes. The policies include coverage for physical structure damage, personal belonging damage or theft, and personal liability coverage in the event that someone is injured on the property. The company also offers auto, boat, and commercial insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (139)
Facebook
4.5 / 5 (24)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
8832 Blakeney Professional Drive, Suite 203, Charlotte, NC 28277
  • Renter's Insurance

Why choose this provider?

Pruitt Keener Insurance Services, Inc., provides risk management assistance from its Charlotte location. It offers a range of home insurance plans that cover renters and homeowners, townhomes, and condominiums. With access to a variety of policies from numerous carriers such as Nationwide, Progressive, and Erie Insurance, its team of risk management professionals also furnish auto and business insurance plans. Pruitt Keener Insurance Services has been protecting individuals, families, and business owners since 2001.

License Verified:

License: 1000010096

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (24)
Facebook
4.8 / 5 (17)
Yelp
4.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2017 Central Ave, Charlotte, NC 28205
  • Homeowners

Why choose this provider?

Wallah Richardson is a full-service insurance agent with State Farm who serves individuals, families, and businesses in the Charlotte metro. He educates clients about homeowners' insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their homes. The policies offered also provide coverage for liability and medical payments in case a guest gets injured on the client's premises. Other insurance products include business, life, health, property, and auto insurance.

License Verified:

License: 8764177

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (111)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1230 West Morehead Street, Suite 306, Charlotte, NC 28208
  • Renter's Insurance

Why choose this provider?

Hutch Ham Agency, Inc., is an independent company that has been operating in Charlotte since 1949. It helps individuals and families in protecting their homes and personal belongings by providing homeowners' insurance coverage options. The customizable policy can include protections from fire, property damage, and personal liability. Its team conducts discussions with clients to explain the available options and present tailored policies from partner insurance carriers. The agency also offers insurance products for cyber liability, workers' compensation, and valuable possessions.

License Verified:

License: 1000009416

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (113)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6207 Park South Drive Suite 201, Charlotte, NC 28210
  • Multiple Policy Types

Why choose this provider?

Allen Tate Insurance is an independent agency headquartered in Charlotte that offers risk management solutions. Its agents help clients in protecting their homes from possible loss and damage due to fire, smoke, hail, vandalism, falling objects, and theft. They create insurance policies tailored to the protection needs of clients, assist in customizing endorsements and riders, and guides clients in understanding policy conditions and limits. The company also provides insurance coverages for businesses, vehicles, and tenants.

License Verified:

License: 1000003698

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (228)
Facebook
4.8 / 5 (25)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13925 Ballantyne Corporate Place, Charlotte, NC 28277
  • Renter's Insurance

Why choose this provider?

Founded in 2006, The Jordan Insurance Agency is a multiple-line company that serves the Charlotte metro. It strives to provide customer-focused services to help families and individuals obtain homeowners' insurance. The full-service agency creates personalized coverages for policyholders' properties, medical expenses, and personal belongings like clothes, appliances, and furniture. Its team also offers other personal and business policies, such as renters', life, health, BOP, and builders' risk insurance. The Jordan Insurance Agency served as the endorsed local provider for the Dave Ramsey Show in 2011.

License Verified:

License: 8699876

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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.
  • Are all of your valuables covered by homeowners insurance in Charlotte?

    A standard homeowners insurance policy in Charlotte may not cover all your valuables, but homeowners' insurance plans usually have replacement caps. So, if you have expensive valuables that were lost or damaged, you can count those as losses if they exceed the policy's replacement limits. What you can do instead is purchase an additional rider on your homeowner's insurance. A Valuable Items Blanket Coverage, for instance, can provide extra protection for your valuables.

  • How do insurance companies in Charlotte determine homeowners insurance rates?

    Insurance companies in Charlotte determine homeowners insurance rates by checking the home's location, including the area's incidents of thefts, crime, or weather-related disasters. They also check the size and age of the house and its construction materials. Keep in mind that each home is unique, therefore, homeowners will get different insurance rates.

  • Is it required to have insurance on your home in Charlotte?

    In Charlotte, you are not required to purchase a homeowners insurance plan. However, if your home is mortgaged, your lender may require you to get homeowners insurance. A mortgage contract may state that you should purchase homeowners insurance in an amount equal to, or greater than, your mortgage or for replacement cost.

  • Does homeowners insurance in Charlotte include earthquake coverage?

    Homeowners insurance plans in Charlotte do not typically cover earthquake damage, but you may be able to add an earthquake endorsement to your policy. This can cover repairs should your home be damaged by an earthquake. Buying an earthquake endorsement can also insure your personal property, the cost to remove debris, and other additional living expenses while your home is being repaired or rebuilt.

  • Whose homeowners insurance policy will be used if your neighbor's tree falls and damages your house in Charlotte?

    If the tree was healthy and the cause of the disaster was high winds, then your neighbor is not responsible for it. The accident may be considered an "Act of God." In this case, your homeowners insurance policy in Charlotte should cover the damages. However, if the tree was in a dangerous condition and your neighbor did not do anything to maintain the tree, which then resulted in it falling and damaging your house, then their insurance should cover your house's damages.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.