Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Durham

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 Durham 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.

146Reviewed

95Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3604 University Dr, Durham, NC 27707
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Since 1993, All About Insurance has worked with Nationwide Insurance Company to provide a variety of insurance solutions to residents of Durham, North Carolina, as well as those living in Chapel Hill, Raleigh, Eden, Burlington, Cary, Garner, Graham, Hillsborough and Madison. It specializes in offering home insurance, with coverage options that include property, homeowners liability, condo, scheduled property, in-home business, and landlord insurance. All About Insurance is affiliated with the Greater Durham Chamber of Commerce.

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
Facebook
4.8 / 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
3308 Durham-Chapel Hill Boulevard, Durham, NC 27707
  • Homeowners

Why choose this provider?

Serving the Durham area, Imperial Insurance and Financial Services offers assistance through the process of ensuring complete coverage for homes and personal valuables. The agency helps homeowners determine insurance policies that provide financial protection for replacement and repair costs, in the event of a fire or a natural disaster. Imperial Insurance and Financial Services also assists in securing reimbursements for losses due to vandalism or theft. The agency's insurance services additionally cover support for flood damage and mortgage-related matters.

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 (18)

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
3500 Westgate Drive, Durham, NC 27707
  • Renter's Insurance
  • Homeowners

Why choose this provider?

James Zewe is a Durham-based State Farm insurance agent with over 21 years of insurance experience. With a strong focus on assisting clients that are relocating to the area, Zewe can offer homeowners', condo, and renters' insurance that can protect properties and investments against threats, whether their causes are natural or man-made. He also provides small business, commercial auto, and fleet insurance. Additionally, Zewe deals with mutual funds and annuities.

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 (64)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 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
3604 Shannon Rd Ste 105, Durham, NC 27707
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Founded in 1987, the Dominick, Huckabee, Noblin, & Trent (DHN&T) Insurance Agency is an independent insurance company located in Durham, North Carolina. The company serves clients with personal and commercial insurance needs. DHN&T works with a select group of insurance providers to deliver homeowners and personal property coverage. As an independent agency, DHN&T offers clients liability, collision, and medical options to fit their auto insurance needs. Whether a new retail shop or an established manufacturer, DHN&T matches the right program with the business.

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 (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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4214 Fayetteville Rd, Durham, NC 27713

Why choose this provider?

Kevin and Paulette Fairfax are We Insure agents who serve clients in Durham. The duo represents various carriers and offers different homeowners’ insurance coverage options, including dwelling, liability, loss of use, medical payment, personal property, and structure. Its policy covers insured disasters such as fire, theft, tornadoes, and water damage. Its other offerings include condo, flood, renters’, auto, health, and life insurance. It also offers commercial property and general liability plans for businesses. We Insure was established in 2009.

License Verified:

License: 1000631309

North Carolina Department of Insurance

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
5007 Southpark Dr. Ste 230, Durham, NC 27713
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Established in 1950, First Insurance Services is a locally owned business that caters to clients in Durham and the surrounding areas. Its independent agents work closely with clients to design a property insurance policy to protect their assets, whether they own a residential home or are renting a condo. They also cater to businesses, providing commercial property coverage for small retail stores and multi-million dollar buildings. Its additional options include auto, motorcycle, life, 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.
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
3622 Shannon Rd. Suite 104, Durham, NC 27707
  • Multiple Policy Types

Why choose this provider?

Covington Insurance, LLC, is an independent agency serving clients in Durham and the neighboring communities. It offers homeowners' insurance policies that protect the personal valuables and liabilities of owners affected by unforeseen events, such as disasters, theft, and vandalism. The agency also provides risk management solutions for automobiles, boats, general liabilities, and special events. It works with several insurance carriers, including AIG, Progressive, and Foremost, to provide coverage options tailored to the individual needs of clients. Owner Will Jeffords has more than 30 years of industry experience.

License Verified:

License: 1000671671

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.
4.3
Google
4.3 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1910 Sedwick Road Building 400 Suite G, Durham, NC 27713
  • Multiple Carriers

Why choose this provider?

Alpha Risk Management Services serves clients throughout Durham and the surrounding areas. It offers various insurance products, such as homeowners' insurance plans. It assists clients looking to protect their homes against unexpected circumstances, including fires and earthquakes. It also offers medical and liability protection and coverage for damage caused by theft and vandalism. The independent agency carries insurance plans from multiple carriers. Its insurance professionals hold over 50 years of combined experience in the industry.

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
2144 Page Rd Ste 106, Durham, NC 27703
  • Personal Property Insurance

Why choose this provider?

First Pioneer Insurance Agency, Inc., serves individuals, families, and businesses throughout Durham and the surrounding areas. It is a full-service insurance center that was established in 1980. It offers a variety of personal protection coverage options, including auto, health, flood, disability, life, and homeowners' insurance. It also provides commercial insurance products, such as business property, builders' risk, restaurant, garage, and workers' compensation insurance. C. Wayne Matthews, the agency's principal and president, has been working in the insurance industry since 1983.

License Verified:

License: 1000007717

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.
4.4

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1210 Cole Mill Rd Ste 101, Durham, NC 27705
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

The Insurance Pros in Durham, North Carolina, is an independent insurance agency that provides home insurance, commercial coverage, and other insurance products to people in the Durham metropolitan area. Founded in 2008, the agency provides home insurance coverage that includes protection against liability as well as damage or destruction of structures on the premises. The Insurance Pros won the F. W. Hirt Quality Agency Award in 2015 from Erie 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 (74)
Facebook
5.0 / 5 (26)

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
2501 E Nc Highway 54, Durham, NC 27713
  • Homeowners

Why choose this provider?

Charlotte Weaver is a State Farm insurance agent that has been serving the Durham community for 17 years. She helps clients in making informed decisions about choosing a homeowners' insurance policy by educating them about the coverage options. The customizable solutions include protection from financial losses caused by circumstances like theft, fire, and liability. Weaver and her team also offer life, business, and pet insurance. They assist individuals and families with retirement and college planning.

License Verified:

License: 5318181

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.
4.2
Google
4.1 / 5 (57)
Facebook
4.6 / 5 (23)

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
2609 N. Duke St., Ste. 102, Durham, NC 27704
  • Renter's Insurance

Why choose this provider?

Diversified Insurance Solutions, LLC, is an independent agency that caters to individuals, families, and businesses in the Durham metro and the surrounding communities. It offers homeowners' insurance policies, which pay for repairs to homes, garages, and other structures damaged during an unexpected event or disaster. It also covers liability, medical expenses, and personal property. The firm's other products are auto, condo, individual life, recreational vehicle, and workers' compensation insurance plans. Diversified Insurance Solutions represents carriers like Nationwide, Progressive, and Travelers.

License Verified:

License: 1000558839

North Carolina Department of Insurance

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
150 Providence Road, Chapel Hill, NC 27514
  • Homeowners

Why choose this provider?

Chan Wright Insurance Agency is an insurance company that serves clients throughout North Carolina, Chapel Hill, Pittsboro, and Durham. Its independent agents are knowledgeable about a wide variety of insurance and finding the best homeowners' insurance that matches customers' needs. The agency provides homeowners and renters protection for properties and other assets to cover any financial losses due to natural causes. Chan Wright Insurance Agency also offers auto, business, life, and personal insurance solutions.

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 (22)
Yelp
5.0 / 5 (3)
Facebook
5.0 / 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
3825 S Roxboro St Ste 118, Durham, NC 27713
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Superior Insurance of Durham is an agency that provides its clients with independent advice and services. Located in Durham, North Carolina, the home insurance specialist searches for the right policy from its list of carriers, then tailors the policy to their client's unique circumstances. The agency provides services for condos with single occupants to estates with large families, ensuring their clients have appropriate coverage and that they understand the benefits and limitations of their coverage.

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

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
3813 University Drive, Durham, NC 27707
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Embree Insurance is an independent insurance agency that has been assisting customers in the Durham metro for more than 20 years. It provides a wide variety of business and personal insurance, such as homeowners', life, hotel and motel hospitability, business interruption, and automobile insurance. Its agents are partnered with a group of carefully sought out insurance companies, including Nationwide, NC Grange Mutual, and National General Insurance. Embree Insurance owner, Michael Embree, has been working in the industry since 1986.

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 (137)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 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
2402 S.Miami Blvd. Ste. 204, Durham, NC 27703
  • Renter's Insurance

Why choose this provider?

Angies Insurance, LLC, is an independent agency offering personal and commercial protection lines in the Durham metro and surrounding areas. The agency provides homeowners' insurance products from a variety of carriers such as Harford Mutual, Progressive, and National General. Backed by 20 years of combined industry experience, its team of professionals assists clients in choosing from different coverage options and making changes to or updating their policies. Its staff has Spanish-speaking members.

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
4.6 / 5 (10)
Facebook
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
1231 University Dr, Durham, NC 27707
  • Personal Property Insurance

Why choose this provider?

Latino Tax & Express Services caters to individuals and businesses in the Durham metro. The company offers a wide variety of insurance products, including homeowners', auto, and commercial property insurance, from Nationwide. Its agents help homeowners find a policy that meets both their cost preference and coverage needs for their property and belongings. They allow homeowners to get same-day coverage for their insurance. In addition, the company provides accounting services, which include tax preparation and bookkeeping.

License Verified:

License: 18032017

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 (215)

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
200 Cornerstone Dr Ste 202, Cary, NC 27519
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Joyner Insurance Agency is an Independent company in Cary, North Carolina. The agency offers a wide variety of home insurance plans from their partnered insurance companies. The home insurance package covers properties from natural disasters, including floods, fire, and other hazards. Homeowners can also benefit from the company's unique condominium insurance policy, which provides liability and personal property coverage for fixtures, walls, floors, and cabinets. Joyner Insurance Agency also offers auto, business, and life insurance coverage.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1431 Broad St, Durham, NC 27705
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Around The Corner Insurance Agency, Inc, is a Durham-based firm that provides insurances covering vehicles, homeowners, motorcycles, mobile homes, restaurants, and boats. It also offers small business, builder and contractor, watercraft, workers' compensation, professional liability, and bus insurance. This independent insurance agency helps high and low-risk drivers obtain DUI claims as well. Around The Corner Insurance Agency, Inc is not bound to only one particular insurance company, giving its clients a variety of insurance coverage products.

License Verified:

License: 1000002146

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.
4.4
Google
4.4 / 5 (57)
Facebook
4.6 / 5 (11)

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
1920 Front Street Suite 710, Durham, NC 27705
  • Multiple Carriers
  • Homeowners

Why choose this provider?

Insurance Center of Durham provides services to clients in the metro. It helps individuals protect the future of their families, properties, and finances by offering homeowners' insurance products. The products cover the interior and exterior structures of a home, the personal properties of clients, and their temporary living expenses if their homes get damaged due to disasters. Insurance Center of Durham is a family-owned and family-operated agency. Its president, Brett Roberts, has been working in the insurance industry since 1988.

License Verified:

License: 2389025

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
Facebook
5.0 / 5 (4)
Google
5.0 / 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

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.
  • Can insurance companies not renew your homeowners' insurance policy in Durham?

    Yes. North Carolina laws do not require homeowners' insurance. There are many reasons for the non-renewal of an insurance policy in Durham. Some of these include failing a home inspection, living in high-risk areas, and being fraudulent during application. It is also possible that the insurance company may not renew policies in certain areas where they plan to cease their business.

  • Is sinkhole damage covered in homeowners' insurance policies in Durham?

    Homeowners' insurance typically provides coverage for unexpected events such as fires, but there are some hazards like hail, sinkholes, and earthquakes that may not be included in standard policies. Homeowners in Durham should review their policies with the insurance agent to ensure they have proper coverage. If their area is at risk for sinkholes, they can opt to buy a separate sinkhole insurance, which can cover the financial costs of losing their belongings, repairing their home's foundation, and stabilizing the land.

  • In Durham, does it cost much to purchase homeowners' insurance?

    Generally, homeowners' insurance in North Carolina is cheaper than the national average. It costs around $1,545 annually in the state for a policy with a $300,000 coverage, while the nationwide average is $1,754. However, it is not applicable to Durham because it has higher home insurance costs at $1,749 annually — a 13% difference compared to the nationwide average. Homeowners' insurance costs more in areas at risk of natural disasters.

  • Is your personal information shared by insurance companies in Durham when you file a homeowners' insurance claim?

    Yes, specialty consumer reporting agencies collect data on claims, including those for your homeowners' insurance in Durham. In turn, the data report will be used by your insurer to craft the policies they offer you and your premiums. You can request a free copy of this report from specialty consumer reporting agencies every year, according to the Consumer Financial Protection Bureau.

  • Are homeowners' insurance rates in Durham increasing recently?

    There are reports that homeowners' insurance rates in the country will increase in the coming years. The increase is attributed to supply chain problems, inflation, and climate change. Recent years have reported an increase in the number and intensity of severe weather-related damage, which will cause insurers to pass on the costs to consumers. The 2023 Homeowners Report from Insurify showed a 9% increase in premiums for 2023. Consumers in Durham can conduct research, check their policies, and talk to their insurance agents to see if there are ways they can save some costs on premiums.

  • 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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