How to Shop and Save Money on North Carolina Home Insurance

Find the best and cheapest homeowners insurance in North Carolina.

North Carolina home insurance


North Carolina is known for its beautiful beaches, the Outer Banks, and the Great Smoky Mountains, along with abundant sunshine. These and other aspects make it an attractive state to live and work and many choose to retire in the Tar Heel State. If you have a home in North Carolina or are considering buying one, this post will help you with an important task.

Homeowners know that they need to buy home insurance. Even though prices for North Carolina home insurance are generally lower than the national average, there are more factors to consider than just cost. One is the weather. Since North Carolina is located on the coast and is sometimes in the path of hurricanes, homeowners may need to purchase hurricane insurance coverage.

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How to shop for home insurance in North Carolina

Shopping for home insurance is important, but it doesn’t have to be difficult or time-consuming. What you need is a plan. Here are some tips to get you started on finding the best homeowners insurance in North Carolina.

Get quotes from multiple insurers

Getting quotes from multiple insurers is the single-most important thing that you can do when you’re looking for home insurance in North Carolina. You might be surprised by how much rates can vary from one company to the next. Make sure you’re providing the same information to each company when you are getting quotes so that estimates are correct.

Ask about bundling your policies

You’ve probably heard the term “bundling” used in commercials from some of the larger insurance companies. “Bundling” simply means having more than one type of insurance product from the same company. So, if you are happy with your auto insurance company, ask your insurer if they also write homeowners insurance policies. You might be able to save money by having multiple policies covered by one insurer.

Research your coverage options

It’s important for homeowners to look into all of the different coverage options that they need. This is particularly true when it comes to North Carolina flood insurance, because most homeowners insurance policies do not cover flooding. Given North Carolina’s coast, inland waterways and the potential for hurricanes, all North Carolina homeowners should investigate the need for flood insurance.

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The 3 best homeowners insurance companies in North Carolina, according to customers on Clearsurance

North Carolina homeowners have many choices when searching for home insurance, which means lots of potential research! Customer ratings on Clearsurance can provide some much-needed feedback and their reviews can help to narrow your field. Clearsurance has identified the three best North Carolina home insurance companies, according to customers.

Please note: In order to qualify for the list, companies must sell homeowners insurance in North Carolina, have at least 25 homeowners insurance reviews, and they must be a subscriber and offer quotes on the site. For a complete and updated list of the top-rated companies in North Carolina, you can visit the North Carolina home insurance rankings page. On this page, you can get insurance recommendations based on your specific requirements and zip code.

1. Esurance for North Carolina home insurance

North Carolina is home to many technology companies, so an insurance company that started as one of the first web-based insurers has much to offer to tech-savvy North Carolinians. Esurance (Esurance profile on Clearsurance) is ranked as the number one choice for home insurance in North Carolina among companies that allow you to get quotes on As of July, 2020, Esurance has a score of 4.32 out of 5.00 for home insurance on You can get a quote from Esurance online.

Pros: At the top of many customer reviews of Esurance home insurance policies is praise for the easy-to-use website. Customers also like the transparent pricing and many coverage options.

Cons: The biggest negative mentioned in Clearsurance reviews about Esurance coverage is that the company doesn’t reward loyal customers.

Esurance customers generally seemed pleased with the company and their coverage, with an overall score of 4.34 stars out of five stars.

A Clearsurance analysis of reviews found:

  • 74% are likely to renew their policies with Esurance
  • 77% of customers would recommend Esurance to a friend
  • 75% of Esurance customers rated their claims experience positively

In the following Esurance review, a customer talked about how they saved money on an Esurance policy. The customer say in their review, “Great insurance company. Easy to use and great rates! We have our auto through them too. We are always impressed by how easy it is to understand and utilize.”

Read all Esurance reviews on

2. Allstate for North Carolina home insurance

Allstate (Allstate profile on Clearsurance) is a large, national insurer and is the parent company of Esurance. If you are looking for home insurance in North Carolina, add Allstate to your list of companies to consider. They have many positive reviews on Clearsurance and a rating of 3.98 out of five possible stars for homeowners insurance. Be sure to get a quote from Allstate, which you can do online.

Pros: Customers on Clearsurance mention transparent pricing and flexible billing as key attributes. They also frequently mention the easy-to-use website.

Cons: An analysis of Clearsurance reviews did not find any frequently mentioned complaints. Overall, Allstate rates highly among Clearsurance customers in their reviews.

  • 80% of customers state that they are likely to renew their Allstate policies
  • 78% would recommend Allstate to a friend
  • 77% rate their claims experience positively

Among the many positive Allstate reviews, one North Carolina customer write the following review, “Allstate has really good agents and they take pride in their customer service. Great coverage and claims process handled 100% by agent. No complaints here.”

Read all Allstate reviews on

3. Liberty Mutual for North Carolina home insurance

Liberty Mutual (Liberty Mutual profile on Clearsurance) is third on the list of top home insurers in North Carolina as rated by customers on Founded in 1912, Liberty Mutual is a well-established and nationwide insurer. With 3.89 stars out of a possible five stars for homeowners insurance, the company is rated well by customers. Get a quote from Liberty Mutual for North Carolina homeowners insurance online now.

Pros: Customers highlight good rates and transparent pricing, along with flexible billing options as positives. Many recommend the easy-to-use website.

Cons: The most frequently mentioned negative in Clearsurance customer reviews is that Liberty Mutual doesn’t reward its loyal customers.

Liberty Mutual customers are generally happy with the company and its offerings. A Clearsurance analysis of feedback finds that:

  • 77% say they have plans to renew their policies with Liberty Mutual
  • 77% say they’d recommend Liberty Mutual insurance to a friend
  • 74% of customers say their claims experience with Liberty Mutual was positive

One North Carolina Liberty Mutual policyholder discussed their full experience with the company in a lengthy and helpful review. Here is a snippet from the review: “They have great service, always have someone available to talk, always talk through each of their insurance programs/add on options, and came through when our household needed them.

Read all Liberty Mutual reviews on

Home insurance North Carolina


The top 3 North Carolina home insurance companies based on customer price rating

Although there are many considerations when shopping for North Carolina home insurance, price is one of the most important factors. Clearsurance analyzed North Carolina companies and how customers rated the company for the price of their policy.

Below you can find the top 3 North Carolina home insurance companies rated by customers for their perceptions of price.

Please note: for this ranking, we looked at all homeowners insurance companies in North Carolina that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.

  1. GEICO: price rating of 4.52
  2. USAA*: price rating of 4.50
  3. North Carolina Farm Bureau Mutual Insurance Company: price rating of 4.41

*USAA is only available to military members and their families

If you are looking for home insurance in North Carolina, you might have many options. By reviewing feedback from customers, you’ll discover what you can expect from carriers before you go through the process, potentially saving you time, money, and any issues that may arise in the claims process.

Finding a great price on your North Carolina homeowners insurance, while also making sure that you have the hurricane and flood insurance coverage that you might need will take some time. With customer reviews just a click away, you’ll know that you made an informed decision and found the best options for your needs. Check out the Best Homeowners Insurance in North Carolina to get recommendations for the best insurance for you based on customer reviews.