Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Raleigh

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 Raleigh 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.

242Reviewed

153Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4104 Atlantic Ave Ste 142, Raleigh, NC 27604

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
5.0 (2)

Why choose this provider?

Capital Insurance Agency of Raleigh LLC provides homeowners insurance coverage to clients throughout the Raleigh metro area. It offers comprehensive coverage options that cover full structural repair and replacement costs, the loss of use of interior items such as furniture pieces or appliances, and equipment breakdowns. This company also sells a flood insurance policy add-on. Capital Insurance Agency of Raleigh LLC sells renter's insurance too, as well as auto and commercial insurance policies.

  • Renter's Insurance
  • Earthquake
  • Flood

125 Timber Dr Ste 105, Garner, NC 27529

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Carolina Insurance Group, based in Garner, North Carolina, has been providing insurance protection for North Carolina homes since 2011. Homeowners insurance coverage can include property damage, bodily injury, and damage due to storms and other natural events. Carolina Insurance Group also offers separate policies to cover flood and earthquake damage, as well as auto, life, and business insurance. Its agents assess each client's home insurance needs and recommend a policy that's right for them.

  • Fire
  • Personal Property Insurance
  • Multiple Policy Types

500 E Davie St Suite 140, Raleigh, NC 27601
WebsiteLicense: 1000700133

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

Oak City Insurance aims to help clients in Raleigh find and purchase adequate homeowners' insurance policies to cover them against financial loss in case of accidental damage, theft and vandalism, or destruction of their homes. It represents a vast network of insurance providers that offer policies that fit the needs of individuals, families, and business owners. Other insurance products include auto, life, and seniors' insurance. Commercial property and business insurance are also available for entrepreneurs.

  • Condos

203 W Millbrook Rd Ste 105, Raleigh, NC 27609

Expertise.com Rating

Review Sources

Facebook
5.0 (27)
Google
5.0 (12)
Yelp
5.0 (8)

Why choose this provider?

S. J. Adams Inc. in Raleigh, North Carolina, is a local insurance agency that sells home insurance as well as other personal and commercial insurance products. Founded in 2006, the agency provides home insurance policies that protect homeowners against damage or destruction of any structures on premises and liability coverage, offering additional protection specifically against flood damage and for renters. S. J. Adams Insurance is a member of the Greater Raleigh Chamber of Commerce.

  • Renter's Insurance
  • Flood
  • Multiple Carriers

4634 Capital Blvd, Raleigh, NC 27604

Expertise.com Rating

Review Sources

Google
4.9 (256)
Facebook
4.9 (42)
Yelp
4.5 (8)

Why choose this provider?

ACF Insurance Services Inc. is an insurance agency based in Raleigh, North Carolina. The company has more than 25 years of experience serving both homeowners and renters. Working with an array of insurance companies, ACF offers property insurance, liability coverage, and insurance for lost belongings. The agency also helps clients pay for temporary living situations if moving out is required during repairs. Additional protection options include flood coverage and pet liability coverage. Commercial and auto insurance services are also available.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

3741 Benson Dr., Raleigh, NC 27609

Expertise.com Rating

Review Sources

Google
4.9 (29)
Facebook
5.0 (13)
Yelp
3.0 (2)

Why choose this provider?

Durfey Hoover Bowden Insurance is a Raleigh-based financial services company that serves clients throughout the metro. It provides homeowners insurance solutions and educates clients on policy coverage of personal possessions and personal liability. Clients can also opt for umbrella liability policies, which offer more liability coverage. The company's other insurance products include business insurance. It has been operating since 1937. Paul Hoover IV, the company's principal, is certified in insurance counseling by the National Alliance for Insurance Education and Research.

  • Personal Property Insurance

8226 Creedmoor Rd, Raleigh, NC 27613
WebsiteLicense: 1000008383

Expertise.com Rating

Review Sources

Facebook
4.9 (76)
Google
4.8 (23)

Why choose this provider?

Brewer Insurance Group is an independent insurance firm that serves the Raleigh metro. It provides clients a wide selection of homeowners' insurance policies that enable them to select plans that meet their specific needs. It also offers other insurance types, such as life insurance, auto insurance, and flood insurance. The company understands that shopping for policies may appear complicated to clients, so it takes a consultative approach and process before implementing any final decisions.

  • Fire
  • Homeowners

3401 Wendell Blvd # 2A, Wendell, NC 27591

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (11)

Why choose this provider?

Advantage Insurance Advisors is an insurance agency located in Wendell, North Carolina. Locally owned and operated, it provides clients in Raleigh and surrounding cities with competitive insurance premiums and customized plans. The company has access to multiple carriers. Its homeowners insurance policy covers the dwelling, other structures, contents, and loss of use. It also provides options to add coverage for personal items and liability in case someone is injured on the property.

  • Renter's Insurance
  • Condos
  • Earthquake

4004 Barrett Dr Suite 206, Raleigh, NC 27609

Expertise.com Rating

Review Sources

Google
4.9 (51)
Yelp
5.0 (5)

Why choose this provider?

Since 2005, Clark Insurance has been providing financial services to clients in Raleigh. The company offers homeowners' insurance solutions and educates clients on further protection options, like liability and personal property coverage. It also provides flood insurance services. The company's other insurance solutions include life and auto insurance. Matthew Clark, the company's CEO, has over 15 years of experience in the insurance industry. He volunteers for non-profit organizations like the Charley Hoffman Foundation and Pro Kids, First Tee - San Diego.

  • Homeowners

106 West Winder Street, Henderson, NC 27536

Expertise.com Rating

Review Sources

Google
4.9 (33)
Facebook
5.0 (11)

Why choose this provider?

Joel T. Cheatham Insurance Agency has been serving the local area for over 100 years. For homeowners throughout the Raleigh area, it crafts custom homeowners insurance policies that cover their properties and valuable personal belongings. Insurance carriers this firm partners with include Kemper, Empower Insurance Group, and Philadelphia Insurance Companies. Joel T. Cheatham Insurance Agency offers online quotes for homeowners insurance as well as business, life, and auto insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

3130 Fairhill Drive Suite 106, Raleigh, NC 27612
WebsiteLicense: 1000072314

Expertise.com Rating

Review Sources

Google
5.0 (128)
Facebook
4.8 (33)
Yelp
4.0 (6)

Why choose this provider?

Dan Thompson Agency is a financial services firm that serves clients in the Raleigh metro. The firm provides homeowners insurance services and educates clients on further protection through coverage options against theft, fire, and vandalism. It also deals with renters' and flood insurance. The firm's other insurance products include auto, life, and commercial insurance. Dan Thompson, the firm's president, has over 30 years of experience in the insurance industry. He volunteers for the non-profit organization SAFEchild.

  • Homeowners

5300 Six Forks Road, Suite 109, Raleigh, NC 27609
WebsiteLicense: 3952550

Expertise.com Rating

Review Sources

Google
4.9 (257)
Yelp
2.5 (5)

Why choose this provider?

Chad Richards is an insurance agent serving families throughout Raleigh. He opened his agency under State Farm in 2003, assisting individuals in acquiring insurance coverage for personal properties such as homes and vehicles. The homeowners' insurance policies he offers include coverage for valuables like jewelry, electronics, furniture, and musical equipment. Within State Farm, Richards' team has been recognized with several awards, including SVP Club Qualifier, Chairman's Circle Qualifier, and Ambassador Travel Qualifier. Richards is also a member of the Clayton Chamber of Commerce.

  • Multiple Carriers

302 Jefferson St. # 100, Raleigh, NC 27605
WebsiteLicense: 1000516285

Expertise.com Rating

Review Sources

Google
5.0 (42)

Why choose this provider?

Raleigh Insurance Group is a locally owned and operated insurance agency offering services in Raleigh since 2017. It provides home insurance that pays for the properties destroyed by disasters and assistance for lawsuits if ever someone is injured while at home. It also offers other insurance policies, such as life insurance, business insurance, health insurance, and auto insurance. The company is an independent insurance agency that works with various insurance carriers to give its clients various options and coverages.

  • Renter's Insurance

1025 Bullard Court, Raleigh, NC 27615
WebsiteLicense: 1642298

Expertise.com Rating

Review Sources

Google
4.9 (135)
Yelp
4.4 (8)

Why choose this provider?

Gregg Suggs Insurance Agency has been serving the residents of Raleigh for more than 27 years. It offers several solutions for individual and commercial clients, such as home, auto, and life insurance. Business owners can also choose from a variety of policies covering cyber liability, workers' compensation, business interruption, and professional liability. Greg Suggs, the company's owner, has been in the industry for more than 29 years. His focus is helping businesses plan their policies and protecting families through life insurance.

  • Life Insurance

7530 Ramble Way, Raleigh, NC 27616
WebsiteLicense: 1000527196

Expertise.com Rating

Review Sources

Google
5.0 (182)
Facebook
4.9 (47)
Yelp
5.0 (9)

Why choose this provider?

Wayne Cottrell has been offering insurance policies and financial services to residents in Raleigh since 2009. He works with State Farm in providing home insurance, auto insurance, life and health insurance, business insurance, and pet insurance. He also offers financial investments such as mutual funds, banking services, and annuities. Cottrell draws from his cheerleading experience in college to bring the same passion and energy in taking care of his clients' insurance needs.

  • Homeowners

1033 Oberlin Rd, Raleigh, NC 27605
WebsiteLicense: 1000004206

Expertise.com Rating

Review Sources

Google
5.0 (93)
Facebook
4.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Founded in 2003, SureVest Insurance Group is an independent insurance agency serving individuals and businesses in Raleigh. Representing various insurance carriers, the agency helps clients find suitable policies for their home, auto, life, and business insurance needs. One of its products is homeowners' insurance, which covers fire, thefts, and acts of God that may damage homes. The company actively supports communities by funding and helping raise awareness for non-profit organizations such as Rise Against Hunger.

  • Homeowners

2308 Wake Forest Road, Raleigh, NC 27608
WebsiteLicense: 1000497370

Expertise.com Rating

Review Sources

Google
4.9 (72)
Facebook
5.0 (8)

Why choose this provider?

Snotherly Insurance Agency caters to clients in Raleigh and the surrounding areas. The company provides a range of insurance products, including homeowners' insurance. The policy protects families against financial losses in case of destruction by fire, theft, or vandalism. It can cover the structure, personal belongings, and liabilities on the property. The firm's insurance professionals also work with the clients' mortgage brokers or loan companies for all necessary paperwork. The agency has been serving clients throughout North Carolina since 1964.

  • Multiple Carriers

5561 McNeely Dr Ste 203, Raleigh, NC 27612

Expertise.com Rating

Review Sources

Google
5.0 (260)
Facebook
5.0 (19)
Yelp
5.0 (5)

Why choose this provider?

Brightway, The Ganim Agency, located in Raleigh, North Carolina, leverages a portfolio of leading home insurance carriers to help local homeowners in the Raleigh-Durham area with their policy purchasing decisions. Its agents provide personalized advice for each client's situation based on risks and needs, home replacement value, and other important factors. A comparative analysis of available options by seasoned insurance professionals allows agents to make appropriate recommendations on home insurance coverage types for each client.

  • Renter's Insurance
  • Condos
  • Flood

2014 S Main St Ste 606, Wake Forest, NC 27587

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (2)

Why choose this provider?

Barefoot Insurance Group is a home insurance agency based in Wake Forest, North Carolina. Doug Barefoot has over 31 years of insurance experience. The company provides homeowners and renters with well-written insurance policies that pay to replace personal property that is damaged or destroyed in a natural disaster or fire. Special features that can be added to insurance packages include home replacement guarantees and replacement costs on the home's contents. Named-perils and all-risk policies are also available.

  • Renter's Insurance
  • Earthquake
  • Flood

6531 Creedmoor Road Suite 103, Raleigh, NC 27613
WebsiteLicense: 1000570556

Expertise.com Rating

Review Sources

Google
4.5 (26)
Yelp
3.5 (8)

Why choose this provider?

Mike Sollie Insurance Advisors is an independent insurance agency with more than five decades of experience. It provides multiple options for the home, auto, life, and business insurance needs of individuals and businesses in Raleigh and neighboring areas. One of its products is homeowners' insurance which protects the dwelling structure and the personal belongings inside. Its agents assist clients from reviewing coverages and selecting the best insurance option to serving as the first point of contact during a claim.

  • Renter's Insurance
  • Condos
  • Homeowners

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.
  • Does the Raleigh government mandate homeowners' insurance?

    There is no existing law in Raleigh and the rest of North Carolina that requires homeowners' insurance for all homebuyers. However, it is important to note that if your home is mortgaged, your lender may require you to purchase insurance. Additionally, if you are renting a property, your landlord might recommend that you acquire insurance to protect your personal belongings.

  • How does dwellers' insurance differ from homeowners' insurance under Raleigh law?

    The homeowners' policy provides extensive coverage that includes both property and liability protection. A dwelling policy, on the other hand, offers property coverage with certain limitations. Dwelling insurance can be utilized in Raleigh to cover a house that does not meet the requirements for homeowners insurance. It can also be used to cover additional structures on your property, such as stand-alone parking spaces, metal structures, and work areas.

  • Is there a specific homeowners' insurance policy for older homes in Raleigh, such as those built in the 19th century?

    Yes. The standard insurance policy for older properties, HO 00 08, protects both the home and personal property. Many older houses, particularly those with historical importance or distinctive architectural features, would cost more to replace than their market value. Additionally, the availability of several building materials from the 1800s has changed, and some would be so expensive that it'd be almost impossible to get your home back to how it was. Contact your insurance agent in Raleigh for more information on getting insurance for older properties.

  • How does depreciation work with a homeowners' insurance policy in Raleigh?

    If the policy's loss settlement requirements include damage to carpeting, furniture, or other goods with actual monetary value, then the policy's depreciation clause will apply. In most cases in Raleigh, depreciation is subtracted from the item's replacement cost to arrive at its "actual cash value." For example, if a television has a useful life of ten years but is already five years old, its depreciation is 50%.

  • In Raleigh, how much is the average cost of homeowners' insurance policies?

    North Carolina's average premium for a homeowners insurance policy is $1,700, which is somewhat lower than the national average of $1,784. Home insurance costs in Raleigh vary based on factors such as the specific home and individual. There are a number of variables that affect the final cost, such as:

    • The type and size of your home.
    • Choice of deductibles.
    • Previous claims submitted.
    • Cost to replace your home, structures, and personal possessions.
    • Selected policy limits.
  • 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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