Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in North Carolina

Our Recommended Top 15

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 North Carolina 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.

6073

Reviewed

3649

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Charlotte

Why choose this provider?

All Points Insurance Agency caters to clients across North Carolina. It provides the best insurance plans for individuals and businesses alike, offering a comprehensive selection of policies. It offers homeowner's insurance plans that cover physical losses and liabilities for various property types, such as houses, duplexes, and condos. The agency has been serving clients for more than three decades. It represents various insurance carriers and offers coverage for automobiles, motorcycles, watercraft, mobile homes, and RVs. It is the best insurance agency in the state.

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 (33)

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
Raleigh

Why choose this provider?

Snotherly Insurance Agency provides the best insurance plans for clients throughout North Carolina. It offers a range of personal and business insurance products, including homeowners' insurance plans. These provide protection for residential structures, personal and family liability, and household possessions. It also covers damage incurred from unforeseen situations, such as fires, tornados, and theft. Additionally, the agency offers condominium, flood, pet, and renters� insurance plans. Its insurance specialists have over a decade of experience in the industry.

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 (82)
Facebook
5.0 / 5 (28)
Yelp
3.7 / 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
Charlotte

Why choose this provider?

Megan Koterba is the best State Farm insurance agent that caters to North Carolina clients. She offers a wide range of insurance products, including homeowner's insurance plans. She assists clients in determining how much insurance coverage they need for their homes and personal belongings. She provides coverage for dwelling structures, valuables, and personal liabilities and offers additional coverages for flood, earthquake, and water damage. Koterba is a second-generation insurance agent. Her agency also offers auto, pet, life, and health insurance plans.

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

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
Raleigh

Why choose this provider?

Dan Thompson Agency caters to clients across North Carolina. The best insurance company offers various insurance products, including homeowners' insurance plans. These products cover damage incurred from fire, smoke, hail, windstorm, vandalism, and theft. It provides policies for different property types, from small condo units to large single-family homes. As an independent agency, it works with multiple carriers in the market. Dan Thompson, company founder and owner, established the family-owned and family-operated business in 1991.

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
5.0 / 5 (128)
Facebook
4.8 / 5 (33)
Yelp
4.0 / 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
Charlotte

Why choose this provider?

Curtis Helms Insurance serves North Carolina clients. This agency offers the best insurance products for individuals and businesses. It carries homeowner's insurance policies that cover expenses for repairs and rebuilds, injuries and lawsuits, and personal valuables. It also includes coverage for temporary living expenses in case the property is rendered unusable during repairs. As the best independent agency, it provides access to various insurance carriers and helps clients in comparing different rates. It has been serving clients since 1999.

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 (657)
Facebook
5.0 / 5 (7)

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
Raleigh

Why choose this provider?

Durfey Hoover Bowden Insurance serves individuals and businesses throughout North Carolina. It offers a variety of the best insurance products, such as homeowner's insurance plans. Its team assists clients in selecting the coverage that will best suit their needs and protect their residences and valuables. The family-owned and family-operated agency has been serving clients since 1937, and it has been passed down to four generations. It represents multiple insurance carriers to provide clients with more coverage options.

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
4.9 / 5 (29)
Facebook
5.0 / 5 (13)
Yelp
3.0 / 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
Winston Salem

Why choose this provider?

Logan Robbins is the best State Farm insurance agent that serves clients throughout North Carolina and its surrounding areas. He offers a wide range of insurance plans for both individuals and businesses. These include homeowner's insurance plans covering various personal and valuable items, such as jewelry, pictures, collectibles, cameras, electronics, and appliances. He also provides insurance coverage for damage resulting from unexpected events, including theft or fire. Other insurance plans that Robbins offers include liability, renter's, auto, and pet 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)

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
Durham

Why choose this provider?

Embree Insurance caters to individuals and businesses throughout North Carolina and its neighboring communities.The best independent insurance agency provides a variety of personal insurance plans, such as homeowner's insurance. It offers policies that cover personal properties against fire and disaster damage. It helps clients compare different policies from the multiple carriers it represents, assisting them in getting the best rates and coverage. Additionally, it provides high-net-worth coverage for private collections. The agency has been serving clients since 1997.

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 (121)
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
Raleigh

Why choose this provider?

Chad Richards, a State Farm insurance agent, assists clients throughout North Carolina with their insurance needs. As the best agent in the area, he offers insurance plans for homeowners, providing customizable plans and bundles. Richards offers insurance coverage for residential structures, keepsakes, furniture, appliances, and electronics. He also provides liability insurance coverage for those who want to protect their finances against claims for damage. Richards is a second-generation insurance agent. He established his first office in 2003 and opened a second location in 2014.

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 (263)
Facebook
5.0 / 5 (17)
Yelp
2.6 / 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
Raleigh

Why choose this provider?

Greg Suggs Insurance Agency serves clients across North Carolina. Operating as the best insurance agency, it offers various types of personal insurance plans. These include homeowners' insurance products, which protect personal properties in unforeseen circumstances like natural disasters and fires. It also provides protection against lawsuits in case someone gets an injury in the property. Greg Suggs, the company's principal, has been in the insurance industry since 1992. In 2003, he was granted the Certified Insurance Counselor designation.

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 (134)
Yelp
4.2 / 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
Charlotte

Why choose this provider?

Wallah Richardson is the best State Farm insurance agent that serves clients throughout North Carolina. He offers personal insurance solutions and helps clients in determining their coverage needs. He provides homeowner's insurance policies that cover property structures, keepsakes, and electronics. State Farm homeowner's insurance policy provides liability coverage for injuries and losses within the property. Clients can also opt for bundled plans for homeowners and vehicle insurance policies. In addition, Richardson provides pet, life, health, and auto insurance plans.

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)
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
Raleigh

Why choose this provider?

Wayne Cottrell is an insurance agent under State Farm. He and his team offers various types of insurance plans, including homeowner's insurance policies. Cottrell assists property owners in selecting the best insurance coverage to protect their homes from damage caused by unforeseen events, including disasters, vandalism, theft, and fire. In addition, the team provides policies that cover items that are not permanently attached to the home, such as valuable keepsakes, electronics, and furniture. Cottrell has been serving the area as the best agent since 2009.

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 (183)
Facebook
4.9 / 5 (47)
Yelp
4.9 / 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
Winston Salem

Why choose this provider?

Kathryne Townsend is the best State Farm insurance agent serving clients in North Carolina. She offers the homeowner's insurance plans that include coverage for client's homes, valuable items, furniture, and adjacent residential structures. Townsend also provides liability and pet medical insurance coverage. She opened her insurance agency in 2017 and is also licensed in South Carolina. Her agency comprises staff who can accommodate clients who speak Spanish. In addition, Townsend provides auto, health, and life insurance plans.

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 (125)
Facebook
5.0 / 5 (9)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Winston Salem

Why choose this provider?

Peak Insurance Group caters to the needs of clients throughout North Carolina. It offers the best homeowner's insurance plans, assisting clients in comparing various policies to protect their properties. It provides policies covering losses caused by fire, smoke, hail, vandalism, and theft. It also offers coverage for personal belongings and structures that are not permanently attached to the home. As the best independent agency in the area, it has access to multiple carriers to provide clients with a comprehensive selection of rates and 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.
4.9
Google
4.9 / 5 (348)
Facebook
4.9 / 5 (54)

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
Charlotte

Why choose this provider?

The Jordan Insurance Agency is the best local insurance agency that serves individuals and businesses throughout North Carolina. It offers a range of homeowner's insurance plans, assisting clients in comparing coverage and rates from different carriers in the industry. It offers coverage for dwellings and nearby structures within the property, personal belongings, personal belongings, and liabilities. This independent agency has been serving clients since 2006. It also offers accident, auto, and alternative healthcare insurance plans.

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

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
––

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.
  • 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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