The best home insurance companies in North Carolina are Auto-Owners, Heritage, Erie and Farmers. Auto-Owners ranks first for coverage options, Heritage leads in affordability, and Erie excels in customer service. Compare all our top picks below.
Best Homeowners Insurance in North Carolina
Updated: November 10, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in North Carolina are Auto-Owners, Heritage and Erie.
Auto-Owners offers the best overall home insurance for most NC homeowners. For those with bad credit, Heritage could be a more suitable option.
Choosing the best policy involves three key steps: define your coverage needs, evaluate insurer pricing and reputation, and compare several quotes.
Who Are the Best Home Insurance Companies in North Carolina?
| Auto-Owners Insurance | 77 | 2 | 2 | 1 |
| Heritage Insurance | 70 | 1 | 4 | 3 |
| Erie | 58 | 4 | 1 | 2 |
| Farmers | 52 | 3 | 3 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings show the best home insurance options, they may differ based on your property type or personal needs. Here's a look at top insurers across major categories.
| Auto-Owners Insurance | 77 | Overall |
| Auto-Owners Insurance | 70 | Older Homes |
| Auto-Owners Insurance | 85 | Newer Homes |
| Auto-Owners Insurance | 79 | High-Fire-Risk Areas |
| Heritage Insurance | 70 | Bad Credit |
| Auto-Owners Insurance | 81 | With Claims History |
Best North Carolina Home Insurance Reviews
Explore our top home insurance picks in North Carolina, highlighting leaders in affordability, customer service, and coverage options.
Heritage: Best for Affordability
Heritage Insurance is the cheapest provider for home insurance in North Carolina, although it's below average for both customer service and coverage options according to our study. It does however, offer unique coverage options like replacement cost coverage for personal property, increased limits for valuables such as jewelry and fine art, and optional endorsements for dog liability and identity theft protection to enhance your home's security.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $52 | $630 |
| Newer Homes in High-Fire-Risk Areas | $67 | $804 |
| Older Homes | $132 | $1,586 |
| Older Homes in High-Fire-Risk Areas | $169 | $2,023 |
Erie: Best for Customer Service
Erie is the top option for customer service in the state. It ranks well in J.D. Power's recent studies as well, placing seventh and fourth for claims and customer satisfaction, respectively. Also, Erie Insurance offers unique add-ons like Extended Water coverage for sewer backups and certain flood events, Equipment Breakdown coverage for major home systems, and Home Sharing coverage for short-term rentals.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $287 | $3,440 |
| Newer Homes in High-Fire-Risk Areas | $342 | $4,108 |
| Older Homes | $411 | $4,935 |
| Older Homes in High-Fire-Risk Areas | $491 | $5,894 |
Auto-Owners: Best for Coverage
Auto-Owners is the second most affordable home insurance provider in North Carolina overall, while also standing out as the best for coverage. Customers can use unique options like homeowners plus for bundled protections against appliance leaks and food spoilage, guaranteed home replacement cost to cover rebuilding beyond policy limits, and Inland Flood coverage for broader flood protection without a separate policy.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $118 | $1,420 |
| Newer Homes in High-Fire-Risk Areas | $127 | $1,527 |
| Older Homes | $337 | $4,047 |
| Older Homes in High-Fire-Risk Areas | $363 | $4,353 |
How to Find the Best Home Insurance in North Carolina
Finding the right insurance gets complicated fast. We've built a step-by-step guide to help you land coverage that matches your needs.
- 1Determine your coverage needs
Figure out the coverage level you need before shopping for policies. Factor in your home's value, your personal belongings, and local risks that could drive up your premiums.
- 2Research costs and discounts
Learn about how much home insurance costs in North Carolina to identify potential savings. Consider discounts available such as bundling policies or installing home safety devices to lower your premiums.
- 3Find the best providers for you
Pick the right insurer by checking out cheap home insurance options in North Carolina. Compare customer service ratings, pricing, and available endorsements.
- 4Compare multiple providers through all means
Shop around and get quotes through multiple channels because online estimates differ from what brokers or agents quote over the phone.
- 5Purchase and review your policy
Buy your policy once you've picked the right provider, then review the details closely. Double-check that coverage limits, deductibles, and endorsements match what you need for financial protection.
Best Homeowners Insurance in North Carolina: Bottom Line
Auto-Owners, Heritage and Erie are the best homeowners insurance companies in North Carolina based on current analysis. While these providers are highly recommended, comparing options can help you find the best fit for your needs.
Best Home Insurance in North Carolina: FAQ
Find clear answers to common questions about choosing a home insurance provider in North Carolina.
Which company is best for home insurance in North Carolina?
Auto-Owners is the best homeowners insurance provider in North Carolina due to its blend of affordability, excellent customer service and comprehensive add-on coverage options. Heritage Insurance, Erie, and Farmers are also well-regarded choices in the state.
Who has the most affordable homeowners insurance in North Carolina?
The most affordable homeowners insurance in North Carolina varies based on individual circumstances. However, the average cost in North Carolina is $1,295 annually.
How do you get the best homeowners insurance in North Carolina?
To find the best home insurance in North Carolina, decide on coverage needs, research costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in North Carolina: Our Methodology
We rated the best homeowners insurance providers in North Carolina using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.