How we choose between them
Every carrier files its own rates and underwriting rules with the North Carolina Department of Insurance, so the same house or the same driver can be priced very differently from one company to the next. When you ask for a quote we run the risk through the companies below that have an appetite for it, compare coverage as well as price, and tell you which one we would pick and why. We are paid a commission by whichever carrier issues the policy; see our Advertising Disclosure.
Home insurance
NC Grange Mutual
Homeowners · Dwelling fire · FarmA North Carolina mutual company, owned by its policyholders and writing only in this state. NC Grange underwrites each home individually rather than by checklist, which is why it is often our answer for older homes, homes with a trampoline, a dog, or an outbuilding that a national carrier declined, and rural properties. It offers the equipment breakdown and inland flood endorsements we explain in our NC Grange guide.
Alamance Farmers Mutual
Homeowners · Dwelling fire · Rural propertyAnother North Carolina mutual with deep roots in the Piedmont. We use Alamance Farmers for well-kept older homes, rural and farm-adjacent dwellings, and homeowners who want a company whose underwriters know the county they live in.
Nationwide
Homeowners · Auto · BundlesNationwide is our most common bundle carrier: one company for the house and the cars, with a multi-policy discount and one claims number. It fits newer and well-maintained homes and drivers with clean records who want a national brand with local agency service.
Travelers
Homeowners · Auto · UmbrellaTravelers competes hard on preferred homes and preferred drivers, and it is often where we place higher-value homes, families who need an umbrella policy on top of home and auto, and customers who value a large national claims operation.
Foremost
Mobile & manufactured homes · Vacant & seasonal · Specialty propertyForemost is our specialist for mobile and manufactured homes, vacant or seasonal dwellings, and properties that fall outside a standard homeowners program. When a standard carrier says no, Foremost is usually the next call.
Universal Property
Homeowners · Dwelling fireUniversal Property writes standard homeowners and dwelling policies in North Carolina and is one of the eight home carriers we quote. It is often a fit for newer and well-maintained homes when a national carrier’s price is high.
Progressive and National General
Homeowners · Bundles with autoBoth auto carriers below also write homeowners through the agency, which makes them worth quoting when a home-and-auto bundle is the goal.
Auto insurance
Progressive
Auto · Motorcycle · DL-123 filings · Non-standardProgressive is one of the auto carriers we compare for North Carolina drivers. We review your vehicles, household drivers, driving history, coverage needs and available payment options. Eligibility and discounts depend on the carrier’s guidelines.
National General
Auto · Non-standard · DL-123 filingsNational General (part of Allstate) is another auto carrier we compare for North Carolina drivers, including drivers with violations, accidents or prior lapses. We review the available options for your owned vehicles. Eligibility is subject to carrier underwriting.
The General
Motorcycle · ATV · Non-standard autoThe General is one of our options for non-standard auto, motorcycle and off-road coverage. We review available programs, limits and deductibles for your vehicles; eligibility and coverage depend on the policy and underwriting.
Hagerty
Classic & collector carsHagerty insures classic, antique, and collector vehicles on an agreed-value basis with limited-use pricing. If you have a car that is worth more than the book says, this is where it belongs, not on a standard auto policy that would pay actual cash value.
How we count carriers on this site
Want to see which one fits you?
Send the basics once and we run your home or cars through every carrier above with an appetite for them, then tell you which we would choose.
Get a Free Quote