Home Insurance in North Carolina
Compare home insurance quotes from 30+ top-rated carriers and save an average of $450 – then with our always-on shopping, you’ll never have to shop for insurance again.
🔒 We'll never sell your info. No spam and no robocalls.
Shopping for insurance is a hassle, so we do it for you.
Our Marketplace of 30+ A-rated Carriers Includes
Why Guardian Service
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.
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.
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 out if your home insurance is really the best pairing of coverage and savings.
🔒 We'll never sell your info. No spam and no robocalls.
Home Insurance Is Broken...
... 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
- Raleigh-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 his family saved
$1,847
Kara and her family saved
$2,733
Peter and his family saved
$415
Hear From North Carolina Homeowners Like You
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 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 North Carolina today.
🔒 We'll never sell your info. No spam and no robocalls.
Frequently Asked Questions About Homeowners Insurance
What does home insurance cover?
Home insurance typically covers dwelling protection (damage to the home’s structure from fire, storms, or vandalism), personal property (furniture, electronics, and belongings), liability coverage (lawsuits from injuries on your property), and additional living expenses (hotel costs if your home is uninhabitable after a covered loss). Standard policies exclude floods, earthquakes, and routine wear and tear, but additional coverage can be purchased. Coverage limits and deductibles vary, so homeowners should review their policy details to ensure adequate protection.
How much does home insurance cost?
Home insurance costs vary based on location, home value, coverage limits, deductible, and risk factors like weather or crime rates. On average, U.S. homeowners pay $1,500 to $2,500 per year, but premiums can be higher in disaster-prone areas. Factors like home age, construction type, and claims history also impact rates. Discounts may be available for bundling policies, security systems, or a claims-free history. To find the best rate, homeowners should compare quotes from multiple insurers and adjust coverage to fit their needs.
How much home insurance do I need?
What do I need to get a home insurance quote with Guardian Service?
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. Get started right now by entering your zip anywhere on this page.
Should I consider bundling my home insurance with other policies?
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.
How can I lower my home insurance premium?
Contact Us
As local insurance agents at Guardian Service Raleigh, we’re proud to protect the homes, vehicles, and lives of our Raleigh neighbors. We understand the unique needs of this community because we live, work, and play here too.
- 1122 Oberlin Rd. Raleigh, NC 27605
- (844) 847-6190
- Monday - Friday: 9:00 am - 6:00 pm
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