Homeowners Insurance Agents in North Carolina

Find the Right Agent for Your Home Insurance Needs

The coastal state of North Carolina is the 28th largest and 9th most populous state in the United States. As of 2022, the state has a population of 10.69 million.

North Carolina frequently experiences disasters such as tornadoes, floods, hurricanes, lightning strikes, and snow and ice storms. These natural disasters can disrupt food and water supplies, as well as cause power outages.

With such recurring natural hazards, it is important for state residents to purchase a reliable homeowners insurance coverage.

home insurance agents in NC-compressed

Why Choose Agency Height?

Local Coverage Expertise

Explore top agents who best understand your location, local laws, and needs.

The Power to Choose

Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best.

Hassle-free process

No unwanted calls. Book free consultations with only the ones you choose.

  • Is North Carolina home insurance required?

    Although home insurance is not required by North Carolina law, if your home is mortgaged, your lender may require you to purchase home insurance. Furthermore, if you are a renter, your landlord may advise you to purchase insurance to protect your personal property.

  • Is wind and hail insurance required in North Carolina?

    Wind and Hail Insurance is an important part of protecting your home and other valuable assets, and it may be required if you live in certain areas and have a mortgage. A wind and hail policy may not be included as part of your homeowners’ coverage in North Carolina.

  • Is hurricane insurance required in North Carolina?

    Yes, North Carolina is a no fault state. This means that you may file a lawsuit if it is established that the negligent behavior of the other party caused your injuries (e.g., reckless driving, failing to look out for you, etc.).

  • Is flooding a problem in North Carolina?

    Flooding is the second-most common natural hazard in North Carolina, occurring every seven and a half days on average.

  • Can I get flood insurance if my house is in a COBRA Zone in North Carolina?

    If your house was built on the property before the date shown on the effective FIRM for the specific COBRA Zone where your property is located, you may be able to purchase flood insurance. If a house was newly built or substantially improved after the date of COBRA designation, NFIP flood insurance cannot be purchased.

    However, a homeowner may be able to purchase flood insurance from private insurance providers, usually at much higher rates.

Find Insurance Agents Near You

find-local-insurance