Home Insurance in Charlotte, NC

Compare 30+ top-rated carriers to find the best home insurance in Charlotte, North Carolina.

🔒 We'll never sell your info. No spam and no robocalls.

Shopping for insurance is a hassle, so we do it for you.

Charlotte homeowners save an average of $450 per year with Guardian Service, North Carolina’s first AI-enabled independent insurance agency.

Our Marketplace of 30+ A-rated Carriers Includes

Travelers
Progressive Logo - v2
Safeco
nation
National General
Heritage Insurance Logo
Foremost Logo
The Hartford Logo
Hagerty Logo
Orion180 Logo - v2
Chubb Logo - v2

Why Guardian Service

Why Guardian Service

Charlotte homeowners deserve more than one-size-fits-all insurance. At Guardian Service, we use AI-powered technology, real-time market access to 30+ top-rated carriers, and unbiased guidance from non-commissioned agents to deliver smarter coverage at a better price. We don’t just help you find the right policy – we proactively re-shop your insurance when rates change, so you’re never underinsured or overpaying.

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Always Personal

With Guardian Risk IQ, we get to know you by understanding your risk tolerances and preferences, and we help you understand your coverages.

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Always Comparing

With our Guardian Marketplace, we combine your profile with our expertise and access to 30+ carriers, so we're always shopping to find you the right protection at the right price.

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Always Got Your Back

Our Zero-Commission Guardian Agents are expert advisors you can trust, motivated by serving you well – not by selling you stuff. Insurance is OUR job, so it doesn't have to be yours.

We bring all this together to provide you with the right protection at the right price, reshopped automatically.

Let us show you what it's like to never shop for insurance again.

Find the best home insurance in Charlotte, North Carolina today.

🔒 We'll never sell your info. No spam and no robocalls.

Charlotte Home Insurance Is Broken...

The average increase in home insurance premiums since 2019 due to inflation and worsening weather.
0 %
The average length of time before homeowners reshop their home insurance policy.
0 years
The average amount of savings that Americans are leaving on the table by not re-shopping.
$ 0

... But There's A Better Way With Guardian Service.

Guardian Service combines the best of the independent agent model – personalized guidance, trusted expertise, and real choice – with the efficiency and transparency of cutting-edge digital innovation.

  • Compare 30+ top-rated carriers
  • Dedicated local agents + digital tools
  • Proactive savings alerts
  • North Carolina-based service team
  • No commissions. Just real help.

Real Customers. Real Savings.

Our members save an average of $450 a year on the same or better home insurance coverage.

Heath and Family

Heath and his family saved
$1,847

Kara and her family saved
 $2,733

Peter and his family saved
$415

A Smarter Way To Insure Your Charlotte Home

Charlotte is growing fast – and so are the risks facing homeowners. From rising construction costs to unpredictable weather, many residents are paying more for insurance that doesn’t fully protect them. Guardian Service helps you stay ahead with smarter, more affordable coverage.

Using our Guardian Risk IQ platform, we shop 30+ top-rated carriers to find the right fit for your home. Whether you’re in Berewick, Elizabeth, or SouthPark, we factor in local risks and replacement costs to make sure your policy fits your property, not someone else’s.

Our team makes it easy for Charlotte homeowners to get the right coverage and we automatically re-shop your policy each year to keep your rate competitive. 

Hear From North Carolina Homeowners Like You

Matthew M.
Matthew M.Charlotte, NC
"Guardian Service made the whole process way easier than I thought it would be. Their website is super clean and easy to navigate, and I got a quote really fast without feeling like I was being tricked into something. Great service, highly recommend."
Connor F.
Connor F.Raleigh, NC
"Guardian Service made my insurance shopping experience effortless. They found me great coverage at a lower price, all in a quick and easy process. The team is knowledgeable, friendly, and truly puts customers first. Highly recommend!"
Laura O.
Laura O.Cary, NC
"Guardian Service did an incredible job making shopping my insurance feel approachable and easy to understand. Their messaging is clear, I found their website helpful, and my experience felt custom to me. I appreciated their transparency and easy to use process. Highly recommend!"
Jarrod B.
Jarrod B.Zebulon, NC
"Jeremy was very knowledgeable, courteous, and professional throughout the whole process. I have a peace of mind now knowing that my family is properly ensured. Could not recommend Guardian more!"
Kathryn M.
Kathryn M.Wake Forest, NC
"My son recommended guardian service to 'shop' my insurance, which I had never done before or really thought about. It’s actually a simple process and Kristi made it really straightforward. Relieved to have it done and would recommend to anyone looking to save a couple hundred bucks on their home and auto insurance premiums."

How It Works

Tell us about your current home insurance coverage.

Share your current insurance details and we’ll analyze your policy.

We do the homework.

Our local experts shop across 30+ top-rated carriers to find the right coverage for your needs.

We show you how you can save money.

Review our recommendations and choose the best option for your situation.

Find out how much you can save in less than 3 minutes.

Find the best home insurance in Charlotte, North Carolina today.

🔒 We'll never sell your info. No spam and no robocalls.

FAQs About Charlotte, NC Home Insurance

What does home insurance cover?

Home insurance typically covers your home’s structure (dwelling protection) against events like fire, windstorms, or vandalism; your belongings (personal property) such as furniture and electronics; liability protection if someone is injured on your property; and additional living expenses if your home becomes uninhabitable due to a covered event. In Charlotte, common risks include storm damage, fallen trees, and water-related issues but standard policies usually exclude floods, earthquakes, and general wear and tear. Additional coverage can be added to protect against these risks.

Homeowners insurance in Charlotte typically ranges from $1,200 to $2,000 per year, depending on your home’s value, neighborhood, and risk factors such as proximity to flood zones or local crime rates. Homes in areas like Myers Park or Dilworth may have higher replacement costs, while newer homes in neighborhoods like Berewick may qualify for discounts. Guardian Service helps you compare real-time quotes from over 30 carriers to find the most competitive rate for your unique situation.

The cheapest provider varies based on your home’s age, location, coverage needs, and claims history. Large national carriers like Travelers, Safeco, and Progressive often offer low rates in the Charlotte area, but the cheapest policy isn’t always the best value. At Guardian Service, we use our AI-powered quoting tool to compare policies across top-rated insurers, ensuring you get the right price for the coverage you actually need.
You should carry enough insurance to fully rebuild your home at today’s construction costs, not just cover your mortgage. That includes your dwelling, your personal belongings, and protection from lawsuits or injuries. Charlotte’s growth and rising material costs mean replacement values can change quickly – our technology adjusts for that and helps you choose coverage that keeps up with the market.

To start, we just need some basic information like name, email and phone. Beyond that, we’ll just need some facts about your home, as well as any existing coverage you might currently have. From there, we can properly advise you on the appropriate coverages and best options for your home insurance, balancing your preferences for service level and pricing. Most Charlotte homeowners find out if they can save in less than 3 minutes.

Yes, bundling your home insurance with other policies — such as auto, boat, or umbrella insurance — can offer significant benefits. Most insurers provide multi-policy discounts, often reducing premiums by 10% to 25%. Bundling also simplifies policy management, allowing you to handle claims and payments with one insurer. However, always compare rates to ensure bundling provides the best value, as separate policies with different insurers may occasionally be cheaper.

Charlotte homeowners can lower premiums by bundling policies, increasing deductibles, installing a monitored security system, maintaining good credit, or staying claims-free. Guardian Service agents are trained to uncover specific discounts and reshopping opportunities for your situation, helping you save an average of $450 per year.

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