Updated: December 1, 2025
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In Charlotte, North Carolina, Auto-Owners is the best and cheapest home insurance company overall. However, if customer service is your priority, Erie is the top option.
These companies cater to different needs, so choose a provider based on what matters to you, like cost, customer service or coverage options.
Best HomeInsuranceCharlotte, NCTable of Contents
Why Trust MoneyGeek? We used data from North Carolina's Department of Insurance and Quadrant Information Services to identify the top homeowners insurance in Charlotte.
Home insurance premiums in Charlotte are based on the most competitive estimates as of September 2024.
Auto-Owners is the best home insurance option for $100K dwelling coverage in Charlotte, NC, with a MoneyGeek score of 93 out of 100.Â
Charlotte's home insurance companies have scores ranging from 44 to 93. These figures reflect MoneyGeek's scoring system, where insurers may receive different scores based on credit history and home age.
| Auto-Owners Insurance | 93 | $1,076 |
| Erie | 68 | $1,611 |
| Heritage Insurance | 64 | $1,202 |
| Farmers | 44 | $1,802 |
Auto-Owners is the best home insurance company in Charlotte, NC, for $100K dwelling coverage because of its high affordability and customer satisfaction scores. The overall top providers are:
While cost is crucial, consider customer service and coverage options, which matter when making claims.
Auto-Owners scores high for affordability and customer satisfaction, making it a top choice for home insurance. You can save with discounts like responsible payment for on-time premiums and paperless billing.
It offers comprehensive home insurance, including guaranteed replacement cost, which covers your home fully even if your limit falls short, and personal property replacement cost, which protects your belongings from damage. Building ordinance or law coverage helps cover costs to meet local building codes.
Erie offers the best customer service in home insurance for $100K dwelling coverage in Charlotte, NC. Here are the top two providers for this coverage:
Erie's service quality stands out through faster claims resolution and more responsive adjusters than competitors.
Quality home insurance service requires clear communication during claims, fast response times and coverage that matches your specific risks.
Erie scores high in customer satisfaction and coverage. You can save with discounts for bundling your home and auto insurance policies and installing protective devices like smoke alarms.
Erie offers valuable coverages like cyber event/ID theft to protect against online threats, guaranteed replacement cost to fully cover your home, and scheduled personal property to safeguard valuables.
Auto-Owners is the best cheap home insurance company for $100K dwelling coverage in Charlotte, NC, due to its high affordability and customer satisfaction scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, considering the cheapest homeowner insurance companies can help.
While choosing low-cost home insurance can help save money, its lower coverage might not be enough after an accident. The best cheap home insurance balances cost and value, unlike the most affordable options, which focus only on low premiums.
Auto-Owners is the best cheap home insurance company, scoring high in affordability and customer satisfaction. You can save with discounts like responsible payment, which rewards 36 months of on-time payments, and paperless billing.
The company offers valuable coverages, including guaranteed replacement cost to fully cover your home and scheduled personal property to protect your valuables.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 12, 2025
In Charlotte, many things affect homeowners insurance, including location. Comparing insurance rates is key to saving money, but it takes up to 15 minutes per company. Comparing three or more companies can mean over an hour of research. Use MoneyGeek's home insurance calculator to save time. Enter your age, coverage details and more for a quick estimate.
Auto-Owners offers the lowest home insurance rates in Charlotte, NC. Here are the cheapest overall providers:
Dwelling coverage amount drives home insurance costs more than any other factor. Auto-Owners offers the cheapest homeowners insurance in North Carolina for $100,000 and $250,000 coverage, while Heritage Insurance is the most affordable for $500,000 coverage.
| Auto-Owners Insurance | $1,076 |
| Heritage Insurance | $1,202 |
| Erie | $1,611 |
| Farmers | $1,802 |
Auto-Owners offers the lowest rates for high-value Charlotte homes. Premium properties need higher dwelling coverage since reconstruction costs exceed standard home values; home insurance costs scale with property value.Â
Auto-Owners dominates Charlotte's high-value home market by consistently offering low premiums across coverage tiers, and it ranks as the city's top overall insurer for customer satisfaction.
| Auto-Owners Insurance | $5,516 |
| Heritage Insurance | $5,722 |
| Erie | $8,486 |
| Farmers | $10,137 |
Auto-Owners charges Charlotte's lowest premiums for newly built homes across all coverage levels:
New home construction means lower risk and cheaper insurance. Auto-Owners prices new homes 60-70% below comparable older homes while maintaining comprehensive coverage and high customer satisfaction scores.
Match your dwelling coverage to your home's reconstruction cost, not its purchase price.
| Auto-Owners Insurance | 317 |
| Heritage Insurance | 448 |
| Farmers | 985 |
| Erie | 1,040 |
Quality budget insurance combines comprehensive coverage with affordable premiums and responsive claims service. Your ideal provider depends on whether you prioritize cost savings, claims support or coverage breadth.
Find Charlotte's best home insurance through these steps:
Calculate how much home insurance coverage you need based on your home's rebuilding costs, personal property value and liability requirements.
Research insurance companies, focusing on those with solid financial stability, positive customer reviews and a history of quality service.
Compare home insurance quotes. In Charlotte, average annual premiums for $100,000 dwelling coverage range from $1,076 (Auto-Owners) to $1,802 (Farmers).
Inquire about discounts, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible decreases your premium, but ensure it's an amount you can afford if a claim arises.
Install monitored alarm systems, deadbolt locks, smoke detectors and water leak sensors. Document installations with receipts and photos for insurer verification.
Credit scores above 700 qualify for standard rates, while scores below 600 increase premiums by 30% to 50%. Pay bills on time, keep credit utilization below 30% and dispute credit report errors immediately.
Consider bundling your homeowners insurance with other policies like auto insurance for discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Charlotte, NC.
Home insurance in Charlotte, North Carolina, costs an average of $1,043 annually.
Auto-Owners offers the cheapest home insurance in Charlotte, North Carolina, with an average annual premium of $1,076.
Auto-Owners provides the best home insurance in North Carolina for Charlotte residents, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
