North Carolina Homeowners Insurance

Homeowners Insurance

North Carolina Homeowners Insurance

Our passion is to serve our local area.  Having a local insurance agent is important when it applies to North Carolina homeowners insurance.  We live here, know the area, it’s intricacies, attractions, and challenges.  We serve our clients by providing choices.  We are an independent insurance agent.  This means we aren’t tied to a single company, but quote with many.  Thus, we have your best interests at heart.  Further, we are a Trusted Choice agency and a member of the Independent Insurance Agents of America, two professional organizations that ensure the highest standards to our clients.

Contact us at one of our locations below, or read further about our North Carolina homeowners insurance offerings.

Why wait until your policy renews?  Call (800) 541-1419 today.

  • From the Appalachian Mountains to the Outer Banks
  • From Asheville to Charlotte to Raleigh to Wilmington
  • Best prices in the industry
  • All major national and regional insurance companies available
  • Package policies including auto, or monoline homeowners
  • Various deductible options
  • Expertise with prompt, courteous service
  • Many discounts apply

 We can insure

  • New or old homes
  • Coastal, even foundations of piers and pilings
  • Low value to high value
  • Starter homes to high-value
  • Stick Built, modular, or mobile
  • Farms
  • Builder’s Risk
  • Historical

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At Bankers Insurance, the client is always in control.

Enjoy your home.  Let us ensure it is properly protected.

Bankers Insurance will shop your coverage and present the best quotes.  We offer North Carolina homeowners insurance from many national and regional carriers.  Each home is unique.  How much and what kind of insurance coverage is right for you?  Lean on us to provide answers to your toughest questions.

North Carolina Homeowners Insurance covers:

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To ensure we provide the best product at the lowest price, a licensed insurance agent will contact you with additional questions.

How To Start

  1. Approximate the cost to rebuild your home.  Don’t confuse this with market value.  You need NC homeowners insurance to replace your home, so replacement cost is your goal.  If you don’t know, ask a qualified contractor for an estimate.  We can certainly provide guidelines, but nothing beats a contractor’s expertise.
  2. Estimate what it would cost to replace your contents.  Consider furniture, computers, decorations, everything in your garage (except the vehicles), jewelry, collections, etc.
  3. If you have any high value items worth over $1,500 – jewelry, silverware, and fine arts are common examples – make note of them.  Certain policies have limitations on these high-valued items and they may need to be listed separately on the policy.  An appraisal may also be needed.


When purchasing North Carolina homeowners insurance, coverage is important, but cost is a major factor.  Credits offered by many insurance companies are a means of rewarding clients with lower premiums.  Besides deductible options, there are other means to help keep your homeowners insurance costs down.  A few of the most popular credits include:

  • Auto insurance with the same insurance company
  • Smoke Alarms, burglar and filre alarms, or sprinkler systems
  • Deadbolt locks
  • Good claims history
  • Good payment history
  • Are a senior
  • Many others

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be NC homeowners insurance experts.  Take advantage of our expertise.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific home.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: