Top North Carolina Home Insurance Providers Ranked By Homeowners

North Carolina homeowners insurance is roughly $1,056. Our detailed guide reveals consumers can save as much as $369 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Top North Carolina Home Insurance Company Reviews & Ratings

Company Market Share (%) Average Rating No of Reviews
State Farm 18.8
Allstate 7.02
Geico -
Erie Insurance 5.61
Progressive -
Liberty Mutual 3.78
Farmer's Insurance -
MetLife -
Travelers 2.55
North Carolina Farm Bureau -
Frontline Insurance -
Nationwide 11.54
USAA 7.6
National General -
Lighthouse -
Utica -
Foremost -
Amica -
Homesite -
Universal Property and Casualty -
Amica Mutual Insurance -
Farmers Insurance 2.17
Safeco Insurance -
Aetna -

Latest Homeowners Insurance Reviews

National General Home Insurance Reviews

National General is a really good company to do business with

There's not too much that I dislike about the company

Travelers Home Insurance Reviews

I like my insurance overall. I have never had to file a claim. The communication I receive is adequate for my needs.

I don't like that the policies were difficult to read and I couldn't have someone explain exactly what it was that they I was in the dark about a few things. When I asked about some things, they told me to read the policy. I didn't like that.

The price of premium is the best out there. Coverage is good. means of communication is good also.

I have no reason to dislike my homeowner's insurance company. I have never filed a claim and I feel I get good coverage for the premiums paid.

Geico Home Insurance Reviews

I like that I can do everything online and do not have to call an 800 number or go to an office and waste time. My only real negative on the company so far is the cost.

The ease of getting Customer service has been helpful.

I like the customer service available at geico. They are available 365 days a year and 24/7 and I have never had a bad experience with any of the customer service representatives.

All I really want is an inexpensive, no-nonsense home insurance policy. I don't ever intend to use it - I just need it for regulatory purposes. Geico fit the bill quite well.

I can't really say I have any dislikes about Geico. All of my experiences have all been good experiences.

Geico wasn't one of my mortgage holder's preferred vendors, so I had to set up the policy myself.

We really like how helpful and understanding the customer service representatives are when we call in and have questions about anything that we may have a concern about, and how they are always willing to work with us to find a reasonable compromise if we are having trouble following through with our payments at times.

My biggest dislike is the cost. It is good when compared to the offering of other insurance companies, but it's a lot of money.

Dislike that they raise my premium every renewal, even though I've never used them. I've had one encounter with them, and they didn't pay well and I felt cheated. Didn't like the person they sent out to evaluate either. Young, uncaring, unknowledgeable.

I kind of dislike the lack of customization available in the plan options. It would be nice to get a plan with a little less coverage in order to cut my cost a little bit. I would also like to be able the pay more per month in order to gain a lower deductible.

Universal Property and Casualty Home Insurance Reviews

I like their availability and pricing. Customer service has been good thus far. I have not had to make a claim. They are inexpensive and give me plenty of payment options.

Erie Insurance Home Insurance Reviews

Erie Insurance seems to be a good choice for Home Insurance. It's a large, safe company. Their website is fast and easy to use. Their communications are timely and their premiums are competitive.

I was especially satisfied with Erie after I learn that it had been rated one of the top home and auto insurance providers by J D Power.

The customer service department is very nice and easy to deal with. They are great to talk to and if you have a question you can call they and they answer to the best to their ability.

I like its clean look. It is easy to use. It shares information about safety, ways to save on your coverage, explains different coverages and other interesting topics.

I am very satisfied with my insurance company. They are excellent and go out of their way to provide excellent customer service satisfaction. They are very helpful and the prices are great. You get a lot of coverage for the premium amount and I would not change anything. I would send anyone I know to the company for all of their insurance needs.

I like Eriee because I get a good rate and I also like their website. I feel like their website is very user friendly.

I like that the company was straightforward and how fast they came back with a quote. We get more coverage with a cheaper premium compared to most insurance companies.

My only dislike is the one I have with all insurance companies and that is that the wording and clauses in the policies are somewhat hard for the typical person to understand.

My main complaint has to do with the communication around when to call the agent versus corporate. That isn't always apparent. When I had Progressive I only called one number all of the time which worked out ok for me.

The customer service reps go out of their way to help the customers. They listen to the concerns and answer every question that customers have. They are very friendly and helpful. Very nice people to deal with. Always a pleasure talking with them in person or on the phone.

Amica Mutual Insurance Home Insurance Reviews

Aside from the price, I like the customer service and the mission of the company. It is fairly small and does things the 'old-fashioned' way. The conservative mindset has kept them in business for decades.

Lighthouse Home Insurance Reviews

I like their prices as compared with those in the area. They respond well to requests for insurance adjustments.

I wish they covered more for the price. Since they are more expensive, I think that their scope should be broader in terms of the amount covered. I also believe that there should be discounts for those who don't file claims annually and/or discounts for adding certain security features.

North Carolina Farm Bureau Home Insurance Reviews

The people are friendly and helpful. They do not make unreasonable demands before writing homeowners insurance like I have experienced with other companies.

I seem as if I covered this in my previous responses but I will attempt to expand. I like the people that work there. I like the convenient location.

The rates seem to go up about every year without much explanation so this is something I dislike other than that I do not have any complaints.

The only dislike I can list is the fact that I have to have a separate policy for hurricane coverage. That means writing two checks. Not that big of a deal at all, but it’s my only complaint.

Farmers Insurance Home Insurance Reviews

In all honesty, I have no complaints about my insurance company. The service and value I receive make me very happy.

Safeco Insurance Home Insurance Reviews

I like the fact that they leave me alone when I do not need anything. They do no deluge me with letters, emails, and calls. I like that they are easy to use and get answers.

Farmer's Insurance Home Insurance Reviews

Communication for the insurance is fine as it will be discussed face to face on our convenience which is more prior than having a call on phone and knowing the details

I really don't know about other companies premiums so I can't compare, I'm just not happy with how much I pay, I'd like to pay less of course

So far I only had to sign up for coverage, understand my policy, and get a rate that I felt was fair. I achieved these things with Farmers and so far I am very satisfied. I hope I never have to file a claim, but when I do I have confidence that they will do a good job for me.

I am overall satisfied with the insurance company I use. They are always helpful, courteous and willing to go out of their way to help in any way they can.

I have no had a reason to dislike this company yet. I have not had to file a claim. I do not like having to pay a lot of money for insurance in general, as a concept but that isn't specific to this company.

Utica Home Insurance Reviews

I like that this company offers good coverage and competitive rates. The few times I have had an issue it was resolved promptly.

See above. The website needs to be updated. Right now it looks like something out of the 1990s. There needs to be more interactive features.

Liberty Mutual Home Insurance Reviews

As I said before, they have always been fair and helpful. They treated us with respect and did not try and sale, sale, sale.

I have shopped around but this is the best deal when it is bundled with the car insurance. They give good discounts when you do this and it will save you money in the long run.

At this time I cannot pinpoint anything I dislike about the company. We have been easy customers so far and they are easy to work with.

In general, it's a great company, they were able to bundle our home and auto insurance which was a big break financially for us. Although their website could use a makeover it satisfies our needs.

what i like about this company is that they have good customer service

I'm not sure. I am satisfied. They are a bit more expensive than some of the other companies in the area. I would like them to lower their bundled rates if possible.

Nationwide Home Insurance Reviews

I have to repeat, the people are why I stay with nationwide. They have always been friendly and helpful when I needed them to be.

I would appreciate more customer loyalty. Lower policy amounts and smaller premiums would always be appreciated. when you've been with a company for quite a few years they really should have it reflect in payment schedules.

Their customer service could be a little faster. And I wish their app worked a little faster.

USAA Home Insurance Reviews

I like the fact that they are not as expensive as some of the other companies, and that they are very easy to communicate with. They have always been polite and helpful, and I feel as if I can trust them.

I love that they are so proactive and they will message me about whether or not I will need assistant. They also verify who I am and they will greet saying hello Miss how can we help you, let's get someone out there to survey any and all damage. Do you have pictures of the items that were damaged. They are so good about everything and I am grateful for them.

I have not really run into anything about USAA that I dislike. As I mentioned earlier, we have not had to file a claim, so I don't know what that experience would be like.

Foremost Home Insurance Reviews

I like the way they stay in touch and how easy it is to get answers to questions I may have. They are easy to contact and they stay in touch with me every month.

I have never had a claim, so I worry what will happen when and if I ever do. I am unsure of how they will be if I file a claim and then it will be too late to change.

Allstate Home Insurance Reviews

Overall, I like the stability and simplicity of the company. As I stated earlier, they are also always very friendly during our interactions

I want more from my company from a big name that backs me with insurance. I want the comfort of knowing I'm covered.

Overall, I will be looking to price shop around and confirm that I getting the best price for the services being offered. I also may be looking to see if other companies offer other incentives

That I think their prices are too high as well as I feel there are better companies out there on the market.

I don't like that when I have a problem they don't have the patience to explain to me what is going on.

it is a good cheap company that will usually help its customers

I've raved on them already, but I'll say it again. They are considerably less expensive than what we had to begin with. They offer superior coverage plans, bundles we enjoy, are friendly and helpful without being aggravating, and they work on our claims when we need them. There's not much more to ask for.

I really have no issues with regards to Allstate. I may in the future look at costs, but will more than likely stay with our current insurance company as they have served us well in the past and there would be no reason to move unless there was a huge difference in costs moving to another company, which seems very unlikely.

I like the agent, he is really helpful and my every question is answered with patience

I believe the premium that I pay is very fair considering the amount of coverage that I am getting. Some insurance companies would have higher premiums and some would have less.

I think that this company charges a premium that is a bit higher as compared to other companies. I do not like much about this.

So far, there is nothing that I dislike about this company.

They were a great company to be with when my home had a kitchen fire. We managed to have all the damage repaired and our home still being our home.

It seems pretty standard and comparable to other companies. I can't compare it too much to other companies though.

I will continue to use Allstate as long as their service, price, etc is superior to other companies. If I do get a better deal, though, I would try another company.

I like the level of service I receive. I can access my account easily over the phone or through an online portal. My policy is clear and straightforward, and I do not have many questions about it.

I have nothing bad to say but if you don't pay your bill of course you may see another side of them

I dislike the rate on my policy. I feel like I could probably get a lower price if I shopped around for different companies, but I am comfortable overall with my current policy.

I like that they provide coverage a lot of insurance companies won't because we live in a coastal area. I don't really like much else about them.

Amica Home Insurance Reviews

They have excellent customer service and have been a true pleasure to deal with; they are knowledgeable, quick and thorough.

Absolutely nothing; I have probably had 10 or more claims in the last 25 years and they have NEVER let me down; they may be pricey, I don't know because it doesn't matter to me.

MetLife Home Insurance Reviews

Well it's an insurance company so i don't really have an opinion other than my interaction with them and that so far has been really positive

I like that they correspond through the regular mail and that their correspondence is very infrequent. I don't need to hear from them every five minutes and be advertised to. If I want something from them I know where to look and it seems like nothing in my policy will change drastically in the near future and become a hassle for me.

My only issue is the long waits/hold times when trying to reach a live person by phone. The wait times and hold music gets very unnerving and has led me to hanging up due to the time I've had to hold.

I would say I am at a 4 with the rating scale for my home insurance company. They have great prices and are knowledgeable as well as extremely helpful. My only issue that would get me to give them a rating of 5 is the long hold times when trying to reach a live representative on their toll free line. It can be very long waits which gets very frustrating.

There is nothing that I can say I personally dislike about the company other than the fact that they are an insurance company.

Homesite Home Insurance Reviews

They have great communication, and I could not be happier with the way they handled my claim from beginning to end.

I have no problems with my insurance company at all, no complaints. I would not change companies if asked to.

Progressive Home Insurance Reviews

I neither like or dislike them. As I said I had to have insurance and went with the first company I recognized. I do like the TV ads though. Flo is a funny lady and the ads are creative and constantly changing.

I do not have any criticisms but then I have not needed their services. There are no specific dislikes for me but that could change if I need to file a claim.

Overall, they offer a good service, for a good price. They are quick to settle claims, & are able to close the claim satisfactorily.

I absolutely love my insurance company. Not only do I save money with bundled coverage that includes home, auto and more, I don't think I'd ever go to another company.

I like that I can have all my auto & property insurance needs met by one company which makes it much easier.

It can be very frustrating when trying to reach anyone over the phone, and local agents aren't always able to answer all questions. Also, the claims process can be quite frustrating, even compared to other insurers.

The customer service is not great at all, they show no empathy, or any emotion when I call in.

Aetna Home Insurance Reviews

There isn't anything I can think of that I don't like about Aetna. I suppose everyone would like their bills to be even lower, but they are already providing me a service for extremely cheap so again, I think they're great and I'm happy with their services.

State Farm Home Insurance Reviews

I have had the same insurance company since I was 16 years old. I have never had an issue with anything and they have always been there when I needed them.

I really don't have many complaints. I do feel like the premium is a little higher than it could be, but maybe it will go down in the future. I feel like the website and the people are a big plus. I also feel really confident that it is a great company with a great reputation and if we ever did have a problem, they would back us up and be able to help us.

Citizens Insurance Company was there when others were not when a devastating hurricane hit South Florida. Their prices were higher than I had been paying but not extravagant or price gouging.

Again I have never had to make a claim and any issue has been addressed with my insurance agent.

I think our premiums may be a little high, but I also know that you get what you pay for. We have had to file claims in the past and they have been more than accommodating. Sometimes it's worth paying a little more to make sure we have peace of mind.

Pricing of premiums and ease of paying when dealing with the local office are the things I like about the company other than that I can't think of anything.

i like the comapny it is average, the company communicates well which is good btu that is all

The site is well laid-out, well organized. Logging in is easy to do. The color scheme was very well chosen.

Interaction and communication of my insurance company is neat and good for us by giving guidelines to us.

No comparison. Because I believe this brand. This is really trustworthy and good value for money. I don't have any good reasons to move to another insurance company.

Our agent is only blocks away, which is convenient. He was very personable when setting us up with a policy. They were very helpful when answering questions.

It is easy to understand and contains all the necessary details we are searching. There is also online support that is available at any time when required.

No issues. Up to the present day no issues happened with this company. So no negatives. Everything is alight. I hope never happened any issues with this company.

So far it seems my company is the cheapest I have shopped around and have not found any premiums lower than what I am already paying

I like that the office is convenient, the guy who set us up with a policy was very nice, their rates were fair, and the coverage is good.

I like that state farm seems to treat your issue like it is happening with their own home. they are extremely courteous and helpful. they also get the claim resolved and your home back to its original condition very quickly.

I really like state farm, they are a very professional company that has a very helpful and friendly staff. State farm has the best employees and the best services.

I am very satisfied with the services of state farm insurance and State farm provides me with the best prices for my insurance unlike the other insurance agencies that charge too much money.

I like that they are available if I have a question and that my kids are grandfathered in premium wise.

I like how easy it is to make payments. They offer decent, affordable coverage that allows me to feel like my home is protected.

State Farm is really affordable and offers great customer service. The available discounts and policy options make it the best company for me.

I dislike the agent assignment process and the difficulties in changing your personal agent should you dislike your current one.

I like state farm app because it is easy to understand and has a not of info that is needed to explain their company

I don't really dislike the company it's just that I would like a cheaper rate but I can't really fault them for that

I have not really had a problem with their customer service. Rarely do I ask to speak to my actual agent. I just speak with the office person and they are able to handle everything,

After Hurricane Florence, they came to check the damage on the house. They were very thorough and made sure to not leave any detail out. They went to the roof and checked every shingle, making sure they gave the time needed for the inspection.

Easy to talk to and very helpful. Always cheerful and patient when I visit the office in person. They take any time I need to help with my questions and concerns.

I do not have anything that I dislike about the company. I might feel different if I ever had a claim, but overall I feel it would be a good experience.

Overall, I am pleased with State Farm as my insurance company. I have only had to file one claim so I guess that is why we get along so well. I know if I file one or two claims we are no longer friends and in fact, they will most likely remove me from their contact list. Just the way of the business I guess.

I like the companies ease of use and how you can solve all your issues by talking to a customer service agent who is willing to compromise with you.

I do like State Farm even with the "hiccup" I was very impressed with the mobile office that was sent. The adjuster made their inspection, had it typed in, and a check cut to cover what they would settle (minus the deductible and another adjustment for the age of the area that was damaged). I also like the ease of looking up my policy online and paying for my premiums online.

I feel like the premium is too high. I also thought I had to wait on hold a little too long to speak with a representative the one time I did call but maybe I was just calling at a bad time.

I dislike the website login process and the password recovery process takes too long to complete and is very stressful.

When we found out that roots were growing through our main sewer line, they wouldn't give us money to fix it. They said that as long as it wasn't backing up into the house it wasn't a problem, but it'll just get worse as time goes on.

This company is slow to respond to my needs or requests for information. Their website is slow and difficult to use. They try too often to push other services such as credit cards and investments on me.

I don't like large corporations and their practices. That is all I can say about my insurance company.

I did not like how they did not offer many solutions to the damage our house had obtained. They did not offer us a real solution even though they did a thorough inspection.

I do not like that we are paying above the state rate and if we don't agree, they drop us.

Frontline Insurance Home Insurance Reviews

The agent was easy to work with and helped handle the transfer between companies with my mortgage servicer. The rates were much better and drove me to switch.

I chose Frontline because a friend also has a frontline and they had an issue with a neighbor filing a lawsuit about their dog. The insurance company completely handled the lawsuit.

I like the premium amount, I like the coverage that is offered, I like the website, I like the quick turnaround on getting communication regarding policy updates.

the overall the company insurance is very nice

Please take a moment to write review on your home insurance company