Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Jacksonville

Our Recommended Top 8

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 Jacksonville 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.

46Reviewed

30Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1368 Piney Green Road, Jacksonville, NC 28546
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Jennifer DuFore is a State Farm insurance agent in Jacksonville, North Carolina that offers insurance products to clients within the city. Jennifer can handle customers' various insurance needs that include coverage for homes, vehicles, properties, health, and businesses. She also offers homeowners' insurance coverage that financially protects clients from expenses arising from repairs and replacements of the damaged property. Additionally, the State Farm home insurance's scope includes specific items such as jewelry, collectibles, and hobby equipment.

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 (93)

Website
625 College Street, Jacksonville, NC 28540
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

I-Mark Insurance Group is a Jacksonville insurance agency that provides insurance solutions and products to individuals, families, and businesses in the metro. The company has been writing policies since 1950 and has since employed the risk management approach in formulating coverages. It provides homeowners' insurance policies to clients seeking to protect themselves, their dwellings, and inclusive personal properties from damages, losses, and legal liabilities. I-Mark Insurance Group has three other locations in Raeford, Clinton, and Raleigh.

License Verified:

License: 1000036727

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 (2)
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
2444 Commerce Road, Jacksonville, NC 28546
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Jacksonville-based insurance agency Crystal Coast Insurance Group is independently owned and operated. This company provides home insurance options for renters and homeowners throughout the state. Its team of agents is committed to helping clients find affordable coverage from top carriers, including Foremost Insurance Group and Farmers. In addition to home insurance, Crystal Coast Insurance Group also provides business and commercial insurance solutions, as well as personal auto, life, and health 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

Website
1201 C Hargett Street, Jacksonville, NC 28540
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Advantage Insurance Agency, based in Jacksonville, was established in 1984. Since then, it has grown into one of the biggest independent insurance agencies in the area. It provides various types of insurance policies, including homeowners insurance, which can help property owners protect themselves financially from any potential disasters that may happen to their investments. Homeowners insurance protects against personal liability, accidents, theft, and disasters, depending on the coverage selected. Advantage Insurance Agency also provides other insurance products, like landlord, renters, mobile home, car and auto, commercial property, 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.
4.2
Google
4.2 / 5 (40)

Website
99 Village Drive, Jacksonville, NC 28546
  • Multiple Policy Types
  • Multiple Carriers
  • Renter's Insurance
  • Flood

Why choose this provider?

Tricorp Insurance Agency Inc. provides a wide variety of insurance services to customers in Jacksonville and the surrounding areas. Its team of licensed professionals offers homeowners' insurance to financially protect clients from damages caused by natural disasters and unfortunate events. The home insurance policy covers theft, vandalism, medical expenses, and liability protection. The insurance agents are available in person, chat, phone, or online video conference to explain the detailed coverages about home 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.
4.1
Google
3.8 / 5 (10)
Yelp
4.4 / 5 (9)

Website
116 Center Street, Jacksonville, NC 28546
  • Multiple Policy Types

Why choose this provider?

Founded in 1988, Compass Insurance Agency is an insurance services provider catering to individuals, families, and commercial enterprises in Jacksonville and the surrounding areas. The agency offers homeowners' insurance to prepare clients for property financial losses caused by unexpected and natural damages. The cost of repair and replacement is financed by insurance carriers as long as it falls under covered events. Agents help individuals to file claims and discuss what happens after the claiming process.

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
5.0 / 5 (93)
Google
4.6 / 5 (54)

Website
827 Gum Branch Road, Jacksonville, NC 28540
  • Personal Property Insurance

Why choose this provider?

SIA Group is a multi-insurance line agency that offers commercial and personal auto coverage to clients in Jacksonville. It also covers other lines of insurance, including boats and yachts, homeowners, health, life, and special events. In business since 1975, SIA Group has Risk Advisors and a Risk Navigation System to provide nuanced policies not only for individuals but also for different industries such as agriculture, construction, property management, pest control, logging, and hospitality. It also offers consulting and risk management services to identify insurable and non-insurable risks.

License Verified:

License: 1000007825

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 (179)

Website
405 Western Boulevard, Jacksonville, NC 28546
  • Multiple Policy Types

Why choose this provider?

Bailey and King Insurance is a locally owned and operated company serving Jacksonville. Its team offers a selection of personal protection plans, including homeowners' insurance. This type of policy protects individuals and families from monetary losses in case of events like vandalism, theft, and fire. The team also furnishes additional living expenses and medical coverage plans. Additionally, it processes umbrella, earthquake, and flood insurance. The independent agency works with CNA Surety, Foremost, and Liberty Mutual.

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)

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.
  • How does Jacksonville's average yearly homeowners insurance premium compare to North Carolina and the nation?

    Jacksonville's annual homeowners insurance premium is $879, which is significantly lower than the national average and even lower than North Carolina's overall average. It is expected that as Jacksonville grows and more homes are built, this average will rise. Individual rates, on the other hand, may vary depending on factors unique to each homeowner.

  • What is the difference between a homeowner's and a dwelling policy in Jacksonville, and when should the latter be used?

    In Jacksonville, a homeowners policy combines property and liability coverage, whereas a dwelling policy focuses solely on property. Houses that do not meet the criteria for homeowners insurance may choose to purchase dwelling policies. Such policies are also useful for ensuring that extra structures, such as detached garages, workshops, or metal buildings, are present on one's property.

  • What are some common exclusions in a homeowners' insurance policy in Jacksonville, and how can residents ensure complete coverage for their valuable items?

    Homeowners in Jacksonville should be aware that standard insurance frequently does not cover flood damage, pest-related damages, wear and tear, vehicular damage, or sentimental value. Consider adding endorsements for items such as business equipment, fine arts, and recreational vehicles to get comprehensive coverage. Working with an independent insurance agent can also guide homeowners to supplemental policies, ensuring maximum asset protection.

  • Will a homeowner's insurance in Jacksonville cover the replacement of the entire roof if a named peril damages a portion of the roof?

    If a Jacksonville resident's roof sustains damage as a result of a specific peril, their insurance typically only covers the area directly affected. Insurance companies are not required to replace the entire roof. As a result, homeowners may notice that replacement shingles do not match the existing ones, especially if older shingles are no longer available.

  • How should Jacksonville residents decide how much dwelling coverage they need for their homeowners' insurance policy?

    While considering North Carolina's average dwelling coverage of $250,000, Jacksonville residents should also base their coverage on the size of their home, the value of their assets, their age, and their risk tolerance. For a precise home valuation, it is best to obtain a professional appraisal or use online tools. Insurance valuations combine algorithms, market studies, and publicly available data, but specific home details can change these values. Investigating extended and guaranteed replacement options can help to ensure complete coverage.

  • 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.

Other top picks in your area