Best home insurance companies in North Carolina
As a homeowner, you have many quality home insurance companies to choose from in North Carolina, including Allstate, Nationwide, and North Carolina Farm Bureau. But the right choice for you depends on your individual situation and needs.
Here’s a closer look at some of the top picks for the best home insurance companies in North Carolina.
Best large insurer: Allstate
Allstate is one of the top home insurance companies for customer satisfaction, with a score of 815, according to the J.D. Power 2022 U.S. Home Insurance Study. Allstate offers lots of discounts for things like paying on time, paying in full, and having multiple policies. You can also save up to 20% if you switch to Allstate without any recent home insurance claims with your last insurer.
Allstate also offers several types of optional coverage, such as identity theft restoration and protection for musical instruments. And if you experience a natural disaster, like a hurricane, Allstate has many resources, including local agents, that can help you navigate your recovery.
Best insurer for cheap rates: Stillwater
Stillwater home insurance averages about $107 per month, which is far below the average cost in North Carolina. Stillwater’s products are limited to insurance policies and include home, auto, and business options, with a multiple-policy discount. But auto insurance isn’t available in North Carolina, which could limit your bundling options.
Best for hurricane coverage: Nationwide
Nationwide offers a wide range of insurance options, including homeowners, to customers across the country. The company ranks 10th for overall customer satisfaction on J.D. Power’s 2020 U.S. Home Insurance study, with a score of 816. A policy costs about $159 a month, which is lower than the average cost of insurance in North Carolina. Plus, you can get optional coverage to help replace your belongings in the event of a natural disaster, like a hurricane.
High customer satisfaction
Discounts for bundling policies
Rates below state average
Best insurer for high-value homes: Kemper
Kemper offers three levels of home insurance, and the top two tiers of coverage have higher coverage limits and useful add-ons, like identity fraud expense protection and personal property replacement cost coverage. It also offers the ability to combine coverage limits from separate coverage categories into a single maximum coverage amount, providing greater flexibility for coverage limits.
However, this insurance will cost you about $357 a month, which is more than double the state average.
Best regional insurance company: North Carolina Farm Bureau Insurance
North Carolina Farm Bureau Insurance is a North Carolina-based organization that offers insurance products, including homeowners insurance. It also offers community-focused programs and banking. If you’re not sure what type of coverage you need, Farm Bureau agents across North Carolina understand what risk factors you need to consider. Plus, members get access to a wide range of perks, including discounts on rental cars, hotels, vehicles, and other purchases.
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Insurify’s team of data scientists analyze millions of home insurance quotes, and weigh publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.