North Carolina has 10,730,404 residents. We list 31 agencies for valuable items insurance in North Carolina. Here is what the local numbers say about the cover people here need.

North Carolina at a glance

31valuable items insurance agencies listed
33.4%of households rentRenters insurance
$288,900median home valueHome insurance
1991median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance
11%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 across North Carolina

How many of North Carolina’s 100 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Ice storm35 of 100 counties
Very High in Forsyth County, Gaston County, Guilford County and 5 more.
Lightning30 of 100 counties
Very High in New Hanover County, Buncombe County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in North Carolina
Winter weather28 of 100 counties
Very High in Wayne County, Onslow County, Pitt County and 4 more.
Hurricane23 of 100 counties
Very High in Brunswick County, New Hanover County, Onslow County and 2 more.
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in North Carolina
Strong wind15 of 100 counties
Very High in Columbus County, Robeson County.
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
Tornado11 of 100 counties
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in North Carolina

Source: FEMA National Risk Index, December 2025 release.

Insurance companies North Carolina agencies work with

Of the 31 North Carolina agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Chubb31 agencies
Chubb (ACE)25 agencies
Travelers24 agencies
The Hartford21 agencies
Employers20 agencies
American Modern18 agencies
Liberty Mutual16 agencies
Safeco16 agencies
Travelers (Standard Fire)16 agencies
AmTrust15 agencies

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

Questions

Valuable Items insurance in North Carolina

All insurance agencies in North Carolina · Valuable Items insurance in every state

Where can I find valuable items insurance in North Carolina?

Pick your city in the list on this page to see every agency there that offers valuable items insurance, or search by name or ZIP code.

What does valuable items insurance cover?

Scheduled cover for jewellery, art and collections above standard contents limits.

Which insurance companies do North Carolina agencies work with?

Among the 31 North Carolina agencies whose appointments we hold, the companies they are most often appointed with are Chubb (31), Chubb (ACE) (25), Travelers (24), The Hartford (21), Employers (20). An appointed agency can quote that company's policies.

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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