Updated: December 17, 2024
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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.
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 combines quality service with reliable coverage options, making it a strong choice for protecting your home.
Excellent service in home insurance means clear communication, responsive claims processing and coverage tailored to your needs.
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, no personal information required, no spam.
Rates updated:
Dec 23, 2024
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:
The primary factor affecting home insurance costs is the dwelling coverage you select. Auto-Owners offers the cheapest rates for $100K and $250K coverages, while Heritage Insurance is the most affordable for $500K coverage.
Purchasing the cheapest homeowners insurance in North Carolina can help you save and manage your budget effectively.
| Auto-Owners Insurance | $1,076 |
| Heritage Insurance | $1,202 |
| Erie | $1,611 |
| Farmers | $1,802 |
Auto-Owners is the cheapest option for insuring high-value homes in Charlotte, NC. Higher coverage is essential for homes with higher replacement costs, as home insurance costs rise with property value.
Auto-Owners stands out as the most affordable option in the city, offering competitive prices for high coverage levels. It's also the top-rated company overall.
| Auto-Owners Insurance | $5,516 |
| Heritage Insurance | $5,722 |
| Erie | $8,486 |
| Farmers | $10,137 |
Auto-Owners offers the cheapest home insurance for new homes in Charlotte, NC.
With its low annual premiums, Auto-Owners is the most budget-friendly option for insuring a new home and the best overall choice.
When selecting coverage, ensure it meets your needs.
| Auto-Owners Insurance | 317 |
| Heritage Insurance | 448 |
| Farmers | 985 |
| Erie | 1,040 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider your home's rebuilding costs, personal property value and liability requirements.
Research insurance companies in Charlotte, NC. Focus on those with solid financial stability, positive customer reviews and a history of quality service.
After understanding your coverage needs, compare home insurance quotes. In Charlotte, NC, average annual premiums for $100K dwelling coverage range from $1,076 with Auto-Owners to $1,802 with Farmers.
Inquire with each provider about discounts, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can decrease your premium, but ensure it's an amount you can afford if a claim arises.
Enhancing home security with systems and strong locks can lower your home's risk profile and potentially reduce insurance costs.
Keep a solid credit score, as it affects your insurance rates. Ensure timely bill payments and minimize outstanding debt.
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 is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
