Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Gastonia

Our Recommended Top 17

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 Gastonia 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.

59

Reviewed

42

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1108 Union Road, Gastonia, NC 28054
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

A1 Insurance Coverage is a family-owned business providing property and life insurance plans nearby Gastonia. This independent insurance agency has been operating since 1990. The group of professionals offers homeowners' insurance to financially protect clients from unforeseen circumstances, such as natural disasters, theft, and vandalism. The home insurance policy also covers condo owners and renters. A1 Insurance Coverage also has other insurance options, including vision and dental, workers' compensation, and general liability.

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
4.7 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2664 South New Hope Road, Gastonia, NC 28056
  • Multiple Policy Types

Why choose this provider?

New Hope Insurance Agency has been insuring homes and properties in Gastonia for more than 8 years. Its insurance specialists offer consultations to identify financial risks, assess homeowners' needs, and provide recommendations on suitable coverage plans. They also assist homeowners in ensuring adequate protection for home damage repairs, liability exposures arising from non-resident injuries, and injury-related medical bills. Moreover, they walk clients through the claims process. New Hope Insurance Agency has an online insurance quote form.

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 (196)
Facebook
4.8 / 5 (21)

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
222 S Chestnut St, Gastonia, NC 28054
  • Multiple Policy Types

Why choose this provider?

Charles Cox Insurance is a family-owned and operated agency in Gastonia that has been in the industry for the past 50 years. Its group of insurance professionals offers a homeowners' insurance policy that protects the home and the valuable items in it from natural disasters and fires. The policy also has liability protection and medical coverage, helping to pay expenses for injuries obtained at home. Injuries caused by household pets are also covered in the policy.

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
4.4 / 5 (37)
Facebook
5.0 / 5 (2)
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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1312 West Franklin Boulevard, Gastonia, NC 28052
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Beard Insurance Agency is a local agency in Gastonia that provides tailored homeowners' insurance policies for families and individuals. The insurance agents at this company help select the right home insurance that provides protection in cases of disasters. The policy pays for the replacement or repair cost of damaged homes and structures, liability losses against home injuries, and replacement of destroyed or stolen personal items. Insurance products for autos, motorcycles, boats, and recreational vehicles are also available.

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 (205)

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
3826 South New Hope Road, Gastonia, NC 28056
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Brightway The Kropfelder Agency is a local insurance agency that serves clients in Gastonia and its surrounding areas. The company provides homeowners insurance policies that cover fire and smoke damage, water damage, windstorm and hail damage, and theft. Its team works directly with clients to create customized policies to meet their needs. When a client needs to make a claim, the team at Brightway acts promptly to ensure that reimbursements are issued as quickly as possible.

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1230 West Morehead Street, Charlotte, NC 28208
  • Multiple Policy Types
  • Fire
  • Renter's Insurance

Why choose this provider?

Hutch Ham Agency Inc. provides homeowners insurance for clients in Gastonia and throughout its nearby communities. This agency has been actively providing insurance for more than 70 years, providing policies that protect homeowners from financial loss in the event of a fire, flood, or theft. Coverage can be completely customized to meet the needs, possessions, and budget of each client. Hutch Ham Agency Inc. is a Trusted Choice Independent Insurance Advisor.

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 (110)

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
104 N Church St, Gastonia, NC 28054
  • Multiple Policy Types

Why choose this provider?

Stowe Insurance has been providing insurance products and solutions to North Carolina residents for over a century. It specializes in homeowners' insurance policies for traditional homeowners, condo dwellers, renters, and landlords. Its homeowners' insurance policies provide coverage for the dwelling and other structures, medical expenses, personal liability, personal property, scheduled personal property, and additional living expenses. It also provides a broad range of personal, business, and specialty insurance packages, such as restaurant insurance, contractors' insurance, commercial liability coverage, and personal umbrellas.

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.
4.5
Google
4.5 / 5 (35)

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
2586 East Main Street, Lincolnton, NC 28092
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Total Choice Insurance Agency specializes in tailoring policies for personal and business customers in the Gastonia metro area. Its services include providing local residents and those moving into the state with home insurance policies that cover their costs should the worst happen, such as a fire or a flood. The agents can also add to the home insurance policies so clients are covered for other losses, such as their living expenses if they have to temporarily relocate.

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 (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
245 East Second Avenue, Gastonia, NC 28052
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Watson Insurance Agency, Inc. is a Gastonia-based insurance firm offering homeowners' insurance products. Its agents guide clients through the process of comparing rates from different carriers and helping them choose a policy that best suits their lifestyle and budget. They can also obtain policies for those residing in condos, mobile homes, and CBS homes. The company's homeowners' insurance plans can compensate for any losses resulting from dog bite liability claims, storm damage, and wind damage.

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 (115)

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
4835 Wilkinson Boulevard, Gastonia, NC 28056
  • Multiple Policy Types

Why choose this provider?

Allcare Insurance Services is a locally owned and operated insurance agency that helps homeowners to obtain policies from trusted carriers. Its team of experienced agents works directly with its clients to find them the best coverage for their needs, ensuring that the cost is within their budgets. In addition to homeowners insurance, this agency also provides auto and business insurance policies. Allcare Insurance Services' trusted carriers include American Modern, Genworth Financial, and Heritage Property & Casualty.

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
Facebook
4.8 / 5 (23)
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
1905 East Garrison Boulevard, Gastonia, NC 28054
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Johnson Insurance Group Inc. is an independent agency serving individuals and businesses in Gastonia. The agency's insurance professionals have a combined experience of over 100 years in the field. They help protect their clients from financial losses by providing coverage for their homes, personal belongings, and other structures within the property. The coverage may also include liability protection and medical payments in case other people are injured within their property.

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 (39)

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
10125 Perimeter Parkway, Charlotte, NC 28216
  • Personal Property Insurance

Why choose this provider?

Stephen Buckley is a second-generation State Farm insurance agent who regularly assists personal and business clients in the Gastonia metro area and new arrivals to the state. The licensed agent can tailor State Farm's home insurance policies to ensure they meet the clients' coverage needs and are within their budgets. He can also add additional coverage to meet the costs of unforeseen accidents, such as overflowing appliances. Additionally, he can tailor life, health, and auto 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.
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
510 East Main Street, Lincolnton, NC 28092
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Lincoln Insurance Agency Inc. provides homeowners in the Gaston area with insurance policies that cover them in case of storm, fire, water, theft, or vandalism. This locally owned and operated agency also offers an array of other insurance policies. That includes coverage for farms, autos, health, life, and commercial properties. Agents are committed to helping clients obtain policies at affordable rates. Lincoln Insurance Agency Inc. is a Trusted Choice Independent Insurance Agent.

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
Facebook
4.3 / 5 (9)

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
607 West Trade Street, Dallas, NC 28034
  • Multiple Policy Types

Why choose this provider?

Brooks Insurance Agency is a family-owned insurance provider in Gastonia and its surrounding areas. It offers homeowners' insurance to covers losses from home and home content damages due to fire, pipe leaks, or theft. The medical costs of an injured houseguest are reimbursed if the incident occurred within the insured property, including injuries caused by pets. Brooks Insurance Agency works closely with policyholders to ensure that they understand their coverage, or if adjustments to the policy are needed. The agency has been an ERIE awardee for a decade.

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 (32)

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
413 S York St, Gastonia, NC 28052
  • Multiple Policy Types

Why choose this provider?

Elite Insurance is a provider in Gastonia and has been protecting homes for over two decades. It cuts down losses from home damages due to winds and personal liability for medical costs if a third party is indirectly injured within an insured property or has resulted in a casualty. Personal articles within the home are also protected. Additional living expenses are given to homeowners whose homes are uninhabitable due to damage repairs. Elite Insurance is partnered with over 60 carriers.

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 (72)

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
1548 Union Road, Gastonia, NC 28054
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Ewing Insurance Agency is an independent insurance business providing personalized plans to customers in Gastonia and the surrounding communities. Its team reviews and customizes homeowners' insurance packages that give clients financial aid and protection. The family-owned agency has been addressing insurance needs for over 75 years. Properties such as secondary homes, vacation homes, mobile homes, and condominiums have specific insurance plans. Clients can apply for scheduled coverage for additional protection to other valuable items.

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
4.7 / 5 (36)

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
2111 South New Hope Road, Gastonia, NC 28054
  • Multiple Policy Types

Why choose this provider?

Glick Insurance is a homeowners' insurance agency with an office in Gastonia. It works with various insurance carriers to provide comparative quotes to homeowners and help them select appropriate insurance solutions. Its insurance agents assess potential risks, seek to understand clients' needs, and inform them of applicable coverage packages. Homeowners benefit from the financial protection that insurance policies offer, including compensation for financial losses due to disasters and liability claims. They also mitigate damages arising from vandalism and theft.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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 long do homeowners' insurance claims in Gastonia stay on records?

    In Gastonia, most homeowners' insurance claims are kept on file for five to seven years. When policyholders file claims, the reports are stored in the Comprehensive Loss Underwriting Exchange or the Automated Property Loss Underwriting System, which is a national property claim database. The reports may have an impact on insurance applications if people want to get a new policy.

  • What type of claims impact homeowners' insurance rates in Gastonia?

    Homeowners' insurance rates in Gastonia may rise if property owners have dogs with a history of biting. Policyholders' insurance premiums may also rise if their properties experience an unusually high number of break-ins. Insurance companies may believe that homeowners do not take adequate precautions to safeguard their properties. Catastrophic claims have a lower impact on insurance rates because they are weather-dependent, and individuals have no control over wind, flood, or hurricane.

  • Can your Gastonia homeowners' insurance cover out-of-pocket expenses if your caterer fails to show up on the day of your wedding?

    Yes, if your Gastonia homeowners' insurance policy includes wedding and special event coverage, you will be protected from out-of-pocket expenses if your caterer fails to show up on the day of your wedding. You can recover some of the costs with this type of coverage. It also covers policyholders in the event that the event is canceled due to natural disasters.

  • What are the things you should ask your homeowners' insurance agent in Gastonia?

    Before you choose homeowners' insurance in Gastonia, ask your agent if the insurance company has a good reputation and pays claims promptly and fairly. You can also tell your agent about the features of your home and the items you own, and ask how much it will cost to replace your belongings or rebuild your property if it is damaged due to unforeseen events.

  • Can your homeowners' insurance cover the repair costs if your basement was damaged by a severe flood in Gastonia?

    No, your standard homeowners' insurance will not cover the repair costs if your Gastonia basement was damaged by a severe flood. Damage from frozen pipes and accidental discharge or overflow of water from plumbing, HVAC, sprinkler, or steam or hot water heating systems are typically covered by the HO-3 policy.

  • 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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