Asheville has 94,535 residents in 37,394 households. We list 31 insurance agencies in Asheville. Here is what the local numbers say about the cover people here need.

Asheville at a glance

31insurance agencies listed
48.1%of households rentRenters insurance
$440,000median home valueHome insurance
1982median year homes were builtRebuild cost calculator
7.6%of households have no carAuto insurance
3.8%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Buncombe County

FEMA rates the overall natural hazard risk in Buncombe County, where most Asheville agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in North Carolina
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in North Carolina

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in North Carolina How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Insurance companies Asheville agencies work with

Of the 11 Asheville agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Corebridge (AIG Life)6 agencies
Gerber Life Insurance Company5 agencies
Life Insurance Company of the Southwest5 agencies
American-Amicable Life Insurance Company of Texas4 agencies
BANNER LIFE INSURANCE COMPANY4 agencies
Fidelity & Guaranty Life Insurance Company4 agencies
Sammons3 agencies
The Lafayette Life Insurance Company3 agencies
Centene2 agencies
Columbus Life Insurance Company2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Asheville agencies can write

Share of the 31 agencies listed in Asheville that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Asheville agencies are

Asheville agencies we list sit in 5 ZIP codes, mostly in Buncombe County.

2880312 agencies
2880610 agencies
288014 agencies
288044 agencies
288051 agency

Questions

Insurance agencies in Asheville

How do I find an insurance agency in Asheville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Asheville?

Most often life, health, accident & health. Pick a type in the filters to narrow the list.

Which insurance companies do Asheville agencies work with?

Among the 11 Asheville agencies whose appointments we hold, the companies they are most often appointed with are Corebridge (AIG Life) (6), Gerber Life Insurance Company (5), Life Insurance Company of the Southwest (5), American-Amicable Life Insurance Company of Texas (4), BANNER LIFE INSURANCE COMPANY (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Asheville?

FEMA's National Risk Index rates inland flooding risk in Buncombe County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Asheville?

48.1% of households in Asheville rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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