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Find Home Insurance Agents Near You in Charlotte, NC

Browse home insurance agents serving Charlotte, North Carolina. Updated 2026-07-14.

The top-rated home insurance agent in Charlotte, North Carolina is Curtis Helms Insurance, rated 4.9 stars across 1,594 reviews. Other highly rated options include Pegram Superior Mitchell Insurance Agency, Carolinas Home and Auto Insurance, Pegram Insurance. This directory lists 43 home insurance agents serving Charlotte.

Showing 43 home insurance agents in Charlotte, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Curtis Helms Insurance6324 N Tryon St #101(704) 921-2118
2Pegram Superior Mitchell Insurance Agency106 W Arrowood Rd B(704) 527-8543
3Carolinas Home and Auto Insurance14045 Ballantyne Corporate Pl #500(704) 302-1000
4Pegram Insurance6824 Albemarle Rd E(704) 536-1919
5CAP Insurance Group1524 E Morehead St Suite 300(704) 540-4200
6Jeremy Fulkerson - State Farm Insurance Agent4805 Park Rd #103(704) 523-9005
7Laurie Insurance Group2701 Coltsgate Rd Suite 100(704) 342-2886
8International Insurance Associates224 Westinghouse Blvd Suite 602(704) 529-9660
9Hutch Ham Agency, Inc.1230 W Morehead St #306(704) 525-6016
10Latorre Insurance124 N McDowell St(704) 566-8181
CH
6324 N Tryon St #101
Curtis Helms Insurance
Home Insurance Agent · Charlotte, NC

Curtis Helms Insurance serves the Charlotte, North Carolina, metro area as a local home insurance agent. The agency helps homeowners find policies that protect their property and personal belongings from common risks. It also works with clients to understand coverage options for liability and additional living expenses after a covered loss. By representing multiple insurers, the agency can present policy choices tailored to different needs and budgets. This location specifically assists with bundling home and auto policies to simplify coverage and help manage overall premiums.

PS
106 W Arrowood Rd B
Pegram Superior Mitchell Insurance Agency
Home Insurance Agent · Charlotte, NC

Pegram Superior Mitchell Insurance Agency provides a full range of home insurance services for clients throughout the Charlotte, North Carolina area, including policy evaluations, coverage adjustments, and claims assistance. The agency offers routine policy reviews and periodic consultations to help ensure clients maintain adequate protection as their needs change. Serving the local community, the agency handles insurance needs for single-family homes, apartments, retail spaces, and restaurants.

CH
14045 Ballantyne Corporate Pl #500
Carolinas Home and Auto Insurance
Home Insurance Agent · Charlotte, NC

Serving the Charlotte area, Carolinas Home and Auto Insurance specializes in helping homeowners secure dwelling coverage and personal liability protection. It also provides general property insurance services, assisting clients with policies that cover structures and personal belongings. Residents often rely on the company for guidance, particularly when preparing for seasonal weather events like severe thunderstorms or occasional winter ice storms that can cause roof or water damage.

PI
6824 Albemarle Rd E
Pegram Insurance
Home Insurance Agent · Charlotte, NC

Pegram Insurance serves Charlotte, North Carolina, and the surrounding communities, handling personal home insurance policies for local homeowners. The company assists with coverage for a dwelling, personal property, and liability protection against common risks. For a typical job, it evaluates a client’s specific property and neighborhood factors through a detailed consultation to help tailor a policy that meets their individual needs.

CI
1524 E Morehead St Suite 300
CAP Insurance Group
Home Insurance Agent · Charlotte, NC

CAP Insurance Group helps Charlotte homeowners secure property coverage tailored to individual needs, and can arrange additional protection for valuable items like jewelry, electronics, or home-based business equipment. Its agents assess local risks such as severe storms and aging infrastructure to customize policies. The company also serves commercial clients, providing coverage for offices, warehouses, and food service operations.

JF
4805 Park Rd #103
Jeremy Fulkerson - State Farm Insurance Agent
Home Insurance Agent · Charlotte, NC

Charlotte’s spring storms often lead to roof and siding damage, and Jeremy Fulkerson - State Farm Insurance Agent helps homeowners review their policies for adequate coverage. The agency serves the Charlotte, NC area with guidance suited to both older neighborhoods and newer developments. Home insurance agents assess local weather risks such as hailstorms and heavy rain to recommend appropriate protection. A new client’s first step is a no-obligation consultation to discuss property details and document existing home conditions.

LI
2701 Coltsgate Rd Suite 100
Laurie Insurance Group
Home Insurance Agent · Charlotte, NC

Laurie Insurance Group in Charlotte, NC is known for helping homeowners secure appropriate coverage for their properties. The company guides clients through essential policy decisions, including dwelling protection and liability coverage, to meet individual needs. When working in this area, they address the specific risks that local weather patterns and regional housing types present. An added specialty service this agent can offer is arranging for scheduled personal property coverage to protect high-value belongings like jewelry or fine art.

II
224 Westinghouse Blvd Suite 602
International Insurance Associates
Home Insurance Agent · Charlotte, NC

International Insurance Associates in Charlotte, North Carolina helps homeowners protect their properties with standard dwelling coverage. The agency can also arrange specialty add-ons such as flood and earthquake protection. Policy options are tailored to include liability limits and personal property endorsements. Beyond residences, the agency serves commercial sectors like offices, warehouses, and food service establishments, offering customized policies for their distinct operational risks and asset protection needs.

HH
1230 W Morehead St #306
Hutch Ham Agency, Inc.
Home Insurance Agent · Charlotte, NC

Hutch Ham Agency, Inc. provides residential home insurance for properties in Charlotte, North Carolina, serving individual homeowners seeking to protect their investment. The agency also offers commercial coverage for local businesses needing property protection. Serving the greater Charlotte area, the team works to match policies with client needs and budget. Between annual policy reviews or home inspections, clients are encouraged to follow up for adjustments due to renovations or new purchases, ensuring ongoing coverage remains appropriate for each property.

LI
124 N McDowell St
Latorre Insurance
Home Insurance Agent · Charlotte, NC

Latorre Insurance provides a comprehensive range of home insurance products for property owners in Charlotte, North Carolina. The company offers standard coverage options as well as tailored service and maintenance plans designed to protect against common regional risks, such as storm damage and liability claims. It assists clients in updating policies as property values or needs change. Services are available for single-family homes, apartments, retail spaces, and local restaurants.

PI
2701 Coltsgate Rd STE 101
Pegram Insurance
Home Insurance Agent · Charlotte, NC
(704) 494-9495
pegramonline.com
JG
14835 Ballantyne Village Way #200
Jeff Genant - State Farm Insurance Agent
Home Insurance Agent · Charlotte, NC
(704) 594-3000
insurancejeff.com
PI
15720 Brixham Hill Ave #300
Pawa Insurance Group, LLC
Home Insurance Agent · Charlotte, NC
(704) 486-5521
pawainsurance.com
MS
8811 Blakeney Professional Dr Suite 110
Melanie Stone - State Farm Insurance Agent
Home Insurance Agent · Charlotte, NC
(704) 542-1500
melaniestone.net
CI
6132 Brookshire Blvd suite b
Capstone Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 391-8483
capstoneinsuranceagency.com
CC
410 Westinghouse Blvd Suite B
Carolinas Coverage Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 595-3429
HH
6207 Park S Dr #201
Howard Hanna Insurance Services
Home Insurance Agent · Charlotte, NC
(704) 547-5656
insurance.allentate.com
OC
1973 J N Pease Pl #203
O'Connor Insurance Associates, Inc.
Home Insurance Agent · Charlotte, NC
(704) 510-8884
oianc.com
PK
8832 Blakeney Professional Dr #203
Pruitt Keener Insurance
Home Insurance Agent · Charlotte, NC
(704) 759-1300
pruittkeener.com
GI
4722 Park Rd Suite D
Goosehead Insurance - The McElveen Agency
Home Insurance Agent · Charlotte, NC
(704) 912-5040
goosehead.com/agents/nc/charlotte/jay-mcelveen
TP
8334 Pineville-Matthews Rd STE 103
Thomas Pie
Home Insurance Agent · Charlotte, NC
(704) 293-2428
SI
6914 Matthews-Mint Hill Rd #150
Superior Insurance Of Charlotte
Home Insurance Agent · Charlotte, NC
(704) 545-7171
thesuperiorinsurance.com
HB
1501 E 7th St
H B Cantrell & Co
Home Insurance Agent · Charlotte, NC
(704) 954-9000
erieinsurance.com/agencies/nc/charlotte/jj2003
MM
6101 Carnegie Blvd #415
Mark McDuffie Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 364-9227
mcduffieinsurance.com
CM
10400 Mallard Creek Rd STE 230
Carl Murray Jr. - State Farm Insurance Agent
Home Insurance Agent · Charlotte, NC
(980) 201-8613
carlmurraysf.com
AI
537 W Sugar Creek Rd Ste 104B
A1 Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 598-4442
a1insurancepros.com
RI
10720 S Tryon St J
ROMA INSURANCE AGENCY
Home Insurance Agent · Charlotte, NC
(704) 675-9144
romainsuranceagency.net
TH
10226 Couloak Dr STE 200
Tony Hefner - State Farm Insurance Agent
Home Insurance Agent · Charlotte, NC
(704) 714-1494
tonyhefner.com
GM
13830 Ballantyne Corporate Pl #100
Greyson McBride at Comparion Insurance Agency
Home Insurance Agent · Charlotte, NC
(980) 337-5712
comparioninsurance.com/insurance-agent/north-carolina/charlotte-048c/greyson-mcbride
VP
8318 Pineville-Matthews Rd #266
Van Popering Insurance
Home Insurance Agent · Charlotte, NC
(704) 543-1544
vpinsure.com
PI
233 S Sharon Amity Rd #103
Piedmont Insurance Associates
Home Insurance Agent · Charlotte, NC
(866) 308-4704
piedmont-ins.com
BM
6416 Carmel Rd Ste 400A
Brett Morgan Insurance Group
Home Insurance Agent · Charlotte, NC
(704) 923-5590
carolinainsuranceguy.com
OH
2210 Crownpoint Executive Dr
O H Walker Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 814-4343
ohwalkerins.com
BI
14120 Ballantyne Corporate Pl #350
Beach Insurance
Home Insurance Agent · Charlotte, NC
(704) 554-5701
beachinsurancellc.com
CI
10801 Johnston Rd STE 110
Carter Insurance & Financial Services: Allstate Insurance
Home Insurance Agent · Charlotte, NC
(704) 542-7500
agents.allstate.com/carter-insurance--financial-services-charlotte-nc.html
AG
7520 E Independence Blvd Ste 180
All Graham Insurance Solutions
Home Insurance Agent · Charlotte, NC
(704) 780-1469
allgrahaminsurance.com
LI
2701 Coltsgate Rd Suite 100
Laurie Insurance Group - Ziskind - Nationwide
Home Insurance Agent · Charlotte, NC
(704) 527-5766
laurieinsurancegroup.com
CI
7130 Matthews-Mint Hill Rd
Charlotte Insurance Group
Home Insurance Agent · Charlotte, NC
(704) 545-6700
charlotteinsurancegroup.com
FI
4614 Wilgrove Mint Hill Rd
Fortitude Insurance Advisors
Home Insurance Agent · Charlotte, NC
(980) 825-9969
fortitudeins.com/contact/refer-us
MI
8821 University E Dr #205
Martin Insurance Group, Inc.
Home Insurance Agent · Charlotte, NC
(704) 595-7071
martininsuranceinc.com
HI
3121 Springbank Ln suite f
Honeycutt Insurance Agency
Home Insurance Agent · Charlotte, NC
(704) 752-8233
honeycuttinsurance.com
JI
8906-A Bellhaven Blvd
Jackson Insurance Services, Inc.
Home Insurance Agent · Charlotte, NC
(704) 392-4341
AI
3611 Mt Holly-Huntersville Rd
allwood insurance charlotte nc
Home Insurance Agent · Charlotte, NC
(704) 395-1239
allwoodinsurance.com

What Does a a Home Insurance Agent in Charlotte Cost?

The average cost of home insurance in North Carolina is around 1300 to 1600 dollars per year for a standard policy. In Charlotte rates may vary based on your homes age location and claims history. Factors like roof condition and credit score also affect your premium. This is general information and not insurance advice.

About home insurance agents in Charlotte

A home insurance agent in Charlotte North Carolina can help you find a policy that fits your needs. North Carolina law requires insurers to offer coverage for wind and hail damage from named storms. Agents in the Charlotte area can explain how local risks like thunderstorms and tree damage affect your premium.

Frequently Asked Questions

What does a home insurance agent in Charlotte do?

A home insurance agent in Charlotte helps you compare policies from different carriers. They explain coverage limits deductibles and exclusions. They also assist with filing claims and updating your policy after renovations or major purchases.

Do I need flood insurance in Charlotte North Carolina?

Standard home insurance policies in North Carolina do not cover flood damage. Charlotte is not in a high risk flood zone for all areas but heavy rain can cause flooding. Your agent can help you buy a separate flood policy through the National Flood Insurance Program.

How does North Carolina law affect my home insurance policy?

North Carolina law requires insurers to offer coverage for wind and hail damage from hurricanes and tropical storms. The state also has a Beach Plan for coastal properties but Charlotte is inland so this does not apply. Your agent can explain the specific rules that apply to your home.

Home Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.