In North Carolina, home insurance companies play a crucial role in protecting property and assets from potential risks. The industry features a mix of well-established firms and innovative startups, each offering tailored policies to meet homeowners' unique requirements. Common products include homeowners', renters', and condo insurance, with many agencies also providing bundled options. Recent trends highlight a shift towards customized solutions and digital services, as insurers leverage technology to enhance customer experience and streamline claims processing. Overall, the home insurance sector is expected to grow, driven by increasing awareness and the need for comprehensive coverage.


This list represents a varied group of home insurance companies across North Carolina. Ranging from large corporations, such as National General in Winston-Salem, to smaller family-owned agencies like Miller Insurance in West Jefferson, these companies have been established from as early as 1903 to 2018. Together, they employ a collective workforce that spans hundreds and specialize in a wide array of offerings aimed at homeowners, including personalized risk management and comprehensive protection plans. Their locations and historical roots reflect a commitment to serving local community needs in insurance coverage, ensuring peace of mind for residents.


Continue reading to discover top home insurance companies in North Carolina.


Top 19 Home Insurance Companies in North Carolina


1. National General

  • Website: nationalgeneral.com
  • Ownership type: Corporate
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 98%, Other 2%
  • Latest funding: $3.7B, July 2020
  • Founded year: 1920
  • Headcount: 5001-10000
  • LinkedIn: national-general-insurance

National General Insurance, Inc., founded in 1920 and based in Winston-Salem, North Carolina, is a corporate entity that specializes in various insurance products, including auto, home, and health insurance. As part of the Allstate family, National General leverages a vast network of over 55,000 independent agents across the United States, ensuring that customers have access to personalized service and support. The company focuses on protecting assets and managing risks associated with accidents and health issues. Their home insurance offerings include homeowners, condo, and renters insurance, catering to a wide range of customer needs. National General has also received substantial funding, amounting to $3.7 billion in July 2020, which underscores its financial stability and capacity for growth in the insurance market.


2. HomeInsurance.com

  • Website: homeinsurance.com
  • Ownership type: Private
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 51-200
  • LinkedIn: homeinsurance.com

HomeInsurance.com LLC, based in Wilmington, North Carolina, is an independent insurance agency that specializes in home insurance products and services. Founded in 1992, the company has established itself as a resource for homeowners looking to secure appropriate insurance coverage. HomeInsurance.com collaborates with a variety of carrier partners, ensuring that customers have access to a range of options tailored to their specific needs. The agency is licensed to operate in all 50 states and the District of Columbia, which enhances its ability to serve a wide customer base. The company emphasizes customer support, guiding clients through the process of selecting and managing their insurance policies. With a focus on educating consumers about coverage types and risks associated with home ownership, HomeInsurance.com positions itself as a knowledgeable partner in the insurance marketplace.


3. Central Carolina Insurance Agency Inc

  • Website: centralcarolina.com
  • Ownership type: Private
  • Headquarters: Salisbury, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1931
  • Headcount: 11-50
  • LinkedIn: central-carolina-insurance

Central Carolina Insurance Agency Inc, based in Salisbury, North Carolina, has been serving clients since 1931. This independent insurance agency specializes in a variety of insurance products, including auto, home, business, and life insurance. With a team of 44 employees, the agency prides itself on delivering personalized insurance solutions tailored to the unique needs of both individuals and businesses. Their commitment to customer service is reflected in their proactive approach to risk management and their ability to provide comprehensive coverage options. The agency operates multiple locations in North Carolina, including Salisbury, Mooresville, and Concord, allowing them to effectively serve a broad client base. Their focus on home insurance includes offerings for standard homeowners as well as high-value properties, ensuring that they can cater to a wide range of client needs. Central Carolina Insurance Agency continues to adapt to the evolving insurance landscape while maintaining a strong emphasis on client relationships and satisfaction.


4. North Carolina Farm Bureau Mutual Insurance Company

  • Website: ncfbins.com
  • Ownership type: Private
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1953
  • Headcount: 1001-5000
  • LinkedIn: nc-farm-bureau

North Carolina Farm Bureau Mutual Insurance Company, founded in 1953, is a private, non-profit insurance provider based in Raleigh, North Carolina. The company specializes in a range of insurance products, including homeowners, auto, renters, life, health, and farm insurance. With a mission to serve the insurance needs of North Carolinians, they have built a robust network of agents throughout the state, ensuring that every customer has access to personalized service. The company is known for its community involvement and commitment to understanding the unique needs of its policyholders. With over $2.2 billion in assets and an annual premium writing of over $1 billion, they maintain a strong financial position, evidenced by their A rating from A.M. Best. Their focus on local service and customer care distinguishes them in the insurance market, making them a trusted choice for many families and individuals in North Carolina.


5. Fortner Insurance Agency


Fortner Insurance Agency, based in Spruce Pine, North Carolina, has been serving clients since its founding in 1919. This independent insurance agency specializes in a variety of insurance products, including home, auto, health, and commercial insurance. With a team of 22 employees, Fortner Insurance Agency focuses on providing tailored insurance solutions to both individuals and businesses. Their mission is to deliver high-quality, competitively priced insurance products while maintaining excellent customer service. The agency is recognized for its commitment to integrity and values, ensuring that clients receive the right coverage for their needs. Fortner Insurance Agency operates multiple locations in North Carolina, including Spruce Pine, Newland, Banner Elk, and Burnsville, further enhancing their accessibility to clients in the region.


6. Movement Insurance

  • Website: movementinsurance.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2010
  • Headcount: 11-50
  • LinkedIn: movement-insurance

Movement Insurance, founded in 2010 and located in Charlotte, North Carolina, operates as a private insurance agency. With a team of approximately 45 employees, the company specializes in various insurance products, including vehicle, property, business, and life insurance. Movement Insurance prides itself on delivering exceptional customer service, ensuring that both individual and business clients receive the right coverage to protect their assets. Their agents are dedicated to providing personalized support throughout the insurance process, from obtaining quotes to managing claims. The agency's commitment to customer satisfaction is reflected in their proactive approach to service, aiming to simplify the insurance experience for their clients. Movement Insurance is underwritten by Homesite, which allows them to offer competitive home insurance options. They are actively involved in the insurance industry, focusing on building strong relationships with their clients and fostering a supportive community.


7. Kornegay Inc Insurance


Kornegay Inc Insurance, founded in 1989, is a private insurance agency based in Mount Olive, North Carolina. With a team of 24 employees, the agency specializes in a variety of insurance products, including auto, home, business, health, life, and recreational vehicle insurance. Their focus on homeowners insurance is particularly noteworthy, as they provide essential coverage options tailored to the needs of individuals and families. The agency operates from two locations in North Carolina, allowing them to serve both individual consumers and businesses effectively. Their experienced staff is dedicated to helping clients understand their insurance needs and find suitable policies, showcasing their commitment to customer service in the insurance industry.


8. James E Moore Insurance Agency, Inc.

  • Website: jamesemoore.com
  • Ownership type: Family Owned
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1954
  • Headcount: 11-50
  • LinkedIn: james-e-moore-insurance

James E Moore Insurance Agency, Inc. is a family-owned insurance agency based in Wilmington, North Carolina, founded in 1954. With a team of 17 employees, the agency specializes in a wide array of insurance products, including personal, commercial, life, and health insurance. They cater to both individual consumers and businesses, helping clients navigate the complexities of insurance to find suitable coverage options. The agency prides itself on simplifying the insurance process, offering personalized service, and maintaining transparency with clients. They have established a strong presence in the Cape Fear Region, serving over 8,000 clients and focusing on understanding their needs to provide tailored insurance solutions. Their expertise includes home insurance, where they address specific risks such as flooding, which is particularly relevant in their geographic area. The agency has not reported any funding, indicating a stable, self-sustaining operation.


9. Insurance Associates of the Triad

  • Website: iatriad.com
  • Ownership type: Private
  • Headquarters: Asheboro, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1949
  • Headcount: 11-50
  • LinkedIn: insurance-associates-of-the-triad

Insurance Associates of the Triad, based in Asheboro, North Carolina, has been serving the insurance needs of individuals, families, and businesses since 1949. As an independent insurance agency, they represent multiple top-rated insurance carriers, allowing them to offer competitive rates and customized coverage options. Their product offerings include personal insurance for homes, cars, and recreational vehicles, as well as business insurance and life and health insurance. The agency prides itself on its commitment to customer service and community engagement, having been recognized as the Asheboro/Randolph Chamber of Commerce 'Business of the Year.' Their team is actively involved in local organizations and charities, reflecting their dedication to the community they serve.


10. Coastline Insurance Associates of NC, Inc


Coastline Insurance Associates of NC, Inc, founded in 2010, is a private insurance agency based in Southport, North Carolina. With a team of 11 to 50 employees, the agency provides a range of insurance products, including home, auto, business, and specialty insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency prides itself on its responsive and professional service, aiming to build lasting relationships with clients. Coastline Insurance Associates is particularly noted for its expertise in insuring coastal properties, addressing the unique challenges that come with such locations. They are members of the Professional Insurance Agents of NC and the Independent Insurance Agents of NC, which underscores their commitment to staying informed about industry changes and best practices.


11. Able Insurance Agency

  • Website: ableautoinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: able-auto-cycle-insurance

Able Insurance Agency, based in Wilmington, North Carolina, has been a family-owned business since its inception in 1989. With a team of 26 employees, the agency specializes in a broad spectrum of insurance products, including vehicle, property, personal, and business insurance. They cater to both individual consumers and businesses, focusing on personalized service to help clients find the right coverage at competitive rates. Able Insurance operates primarily in North Carolina and South Carolina, with multiple locations including Wilmington, Asheville, Clinton, and Edenton. Their commitment to customer service is evident in their approach, which prioritizes real human interaction over automated systems. This local agency prides itself on understanding the unique needs of its community, making it a trusted choice for insurance solutions in the Carolinas.


12. Insurance Service Center

  • Website: iscfay.com
  • Ownership type: Private
  • Headquarters: Fayetteville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 65%, India 27%, Iran 4%, Other 4%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: insurance-service-center

Insurance Service Center (ISC) is a private insurance agency based in Fayetteville, North Carolina, founded in 1975. The company specializes in a wide array of insurance products, including home, auto, life, and business insurance. With a workforce of 11-50 employees, ISC operates multiple locations throughout North Carolina, emphasizing personalized service and customer satisfaction. The agency has built strong relationships with over 30 insurance carriers, allowing them to offer tailored solutions to both individual consumers and businesses. ISC serves more than 20,000 clients, including 18,000 families and 2,500 businesses, showcasing their significant involvement in the local insurance market. Their commitment to integrity and professionalism is evident in their approach to client interactions and policy management.


13. Lowry Insurance

  • Website: lowryassoc.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 11-50
  • LinkedIn: lowryclt

Lowry Insurance, established in 1994, operates as an independent insurance agency based in Charlotte, North Carolina. With a team of 25 professionals, the agency specializes in providing tailored insurance solutions for both individuals and businesses. Their product offerings include home and auto insurance, life and health insurance, as well as business insurance. Lowry Insurance prides itself on building strong relationships with clients, ensuring that each policy is customized to meet specific needs. Their commitment to integrity and customer service has fostered loyalty among clients, making them a trusted choice in the insurance industry. The agency also serves multiple locations, including Columbia, Florence, and Spartanburg, South Carolina, further extending their reach and service capabilities.


14. ISU - G. R. Little Agency, Inc.

  • Website: grlittle.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1903
  • Headcount: 11-50
  • LinkedIn: g.-r.-little-agency-inc.

ISU - G. R. Little Agency, Inc. is an independent insurance agency based in Charlotte, North Carolina, with additional locations in Kitty Hawk and Elizabeth City. Founded in 1903, the agency has over a century of experience in providing a wide array of insurance solutions for both individuals and businesses. They specialize in personal insurance, including home insurance, secondary home insurance, and flood insurance, as well as various business insurance products. The agency prides itself on its commitment to customer service, emphasizing education and support to help clients navigate their insurance needs. With a focus on building trusted relationships, G. R. Little Agency collaborates with multiple top-rated national and regional insurance carriers to offer customized coverage options. Their mission is to deliver a concierge client experience, ensuring that clients receive the right blend of price, coverage, and service. They operate across all 50 states, reflecting their capability to serve a broad client base.


15. Latorre Insurance


Latorre Insurance, founded in 2003, operates as an independent insurance agency based in Charlotte, North Carolina, with additional offices in Greensboro and Raleigh. The agency specializes in a wide array of insurance products, including auto, commercial, property, health, and life insurance. With a dedicated team of around 20 employees, Latorre Insurance emphasizes personalized service, aiming to understand the unique needs of both individual consumers and businesses. They have established partnerships with several well-known insurance carriers, allowing them to offer tailored solutions that meet the specific requirements of their clients. The agency has built a reputation for customer satisfaction, reflected in their high ratings and positive client testimonials. Latorre Insurance serves clients across North and South Carolina, focusing on providing accessible and affordable insurance policies that protect assets and manage risks effectively.


16. Huneycutt Group

  • Website: huneycuttgroup.com
  • Ownership type: Private
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2018
  • Headcount: 51-200
  • LinkedIn: huneycutt-group

The Huneycutt Group, based in Wilmington, North Carolina, is an insurance agency that has been operational since 2018. With a team of around 18 employees, they provide a variety of insurance products, including homeowners, auto, and commercial insurance. The agency is particularly focused on serving clients in coastal regions, where they offer tailored coverage solutions to address the unique risks associated with such areas. Their offerings include policies for primary homes, secondary residences, vacation rentals, and specialized coverage for wind and flood risks. The Huneycutt Group prides itself on delivering personalized service and competitive rates, aiming to protect clients' investments and manage risks effectively. Their commitment to customer satisfaction is reflected in numerous positive reviews from clients who appreciate their responsiveness and expertise in navigating the complexities of insurance in high-risk environments.


17. Marshall Insurance

  • Website: marshallins.net
  • Ownership type: Private
  • Headquarters: Stallings, North Carolina, United States (USA)
  • Founded year: 2001
  • Headcount: 1-10
  • LinkedIn: marshallins

Marshall Insurance, based in Stallings, North Carolina, is an independent insurance agency that has been serving clients since its inception in 2001. Founded by Gary Sides, who has extensive experience in insurance marketing, sales, and underwriting, the agency has grown from humble beginnings to operate multiple locations across North Carolina and South Carolina. Marshall Insurance offers a variety of insurance products, including auto, home, business, and life insurance. Their approach emphasizes personalized service, ensuring that clients receive tailored solutions that meet their specific needs. The agency is known for its strong customer service, as reflected in numerous positive testimonials from satisfied clients. Marshall Insurance partners with reputable insurance companies, allowing them to provide competitive coverage options. Their focus on community engagement and customer satisfaction positions them as a relevant player in the home insurance market.


18. Miller Insurance Agency

  • Website: millerinsurance.org
  • Ownership type: Private
  • Headquarters: West Jefferson, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1950
  • Headcount: 1-10
  • LinkedIn: miller-insurance-agency-nc

Miller Insurance Agency, established in 1950, is a family-owned insurance agency located in West Jefferson, North Carolina. The agency offers a range of insurance products, including home, car, life, commercial, and RV insurance. With a strong emphasis on customer service, Miller Insurance Agency aims to treat its clients like family, fostering long-term relationships within the community. The agency operates independently, allowing it to provide tailored insurance solutions that meet the specific needs of its clients. Their commitment to accessibility and reliability has made them a trusted choice for individuals and businesses in Ashe County and beyond. Despite not having reported any funding, their longevity and local engagement highlight their relevance in the insurance industry.


19. Stanberry Insurance

  • Website: stanberry-ins.com
  • Ownership type: Family Owned
  • Headquarters: Sylva, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1980
  • Headcount: 11-50
  • LinkedIn: stanberry-insurance

Stanberry Insurance, founded in 1980 and based in Sylva, North Carolina, is a family-owned independent insurance agency. The company specializes in a comprehensive suite of insurance solutions, including personal, business, and life insurance. With a focus on home insurance, Stanberry Insurance serves individual consumers and businesses across several states in the Southeastern United States, including North and South Carolina, East Tennessee, Northern Georgia, Southern Kentucky, and Virginia. Their approach emphasizes building strong client relationships and providing expert advice, which is crucial in helping clients manage risks and protect their assets. The agency prides itself on offering tailored insurance products that cater to the unique needs of its clients, ensuring they receive the best protection for their homes and other assets.



Home Insurance Insights: Key Companies in North Carolina


CompanyHeadquarterSizeFoundedOwnership
National GeneralWinston-Salem, North Carolina, United States (USA)5001-100001920Corporate
HomeInsurance.comWilmington, North Carolina, United States (USA)51-2001992Private
Central Carolina Insurance Agency IncSalisbury, North Carolina, United States (USA)11-501931Private
North Carolina Farm Bureau Mutual Insurance CompanyRaleigh, North Carolina, United States (USA)1001-50001953Private
Fortner Insurance AgencySpruce Pine, North Carolina, United States (USA)11-501919Private
Movement InsuranceCharlotte, North Carolina, United States (USA)11-502010Private
Kornegay Inc InsuranceMount Olive, North Carolina, United States (USA)11-501989Private
James E Moore Insurance Agency, Inc.Wilmington, North Carolina, United States (USA)11-501954Family Owned
Insurance Associates of the TriadAsheboro, North Carolina, United States (USA)11-501949Private
Coastline Insurance Associates of NC, IncSouthport, North Carolina, United States (USA)11-502010Private
Able Insurance AgencyWilmington, North Carolina, United States (USA)11-501989Family Owned
Insurance Service CenterFayetteville, North Carolina, United States (USA)11-501975Private
Lowry InsuranceCharlotte, North Carolina, United States (USA)11-501994Private
ISU - G. R. Little Agency, Inc.Charlotte, North Carolina, United States (USA)11-501903Private
Latorre InsuranceCharlotte, North Carolina, United States (USA)11-502003Private
Huneycutt GroupWilmington, North Carolina, United States (USA)51-2002018Private
Marshall InsuranceStallings, North Carolina, United States (USA)1-102001Private
Miller Insurance AgencyWest Jefferson, North Carolina, United States (USA)1-101950Private
Stanberry InsuranceSylva, North Carolina, United States (USA)11-501980Family Owned


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