Charlotte Home Insurance
In Charlotte, the claims that hit homeowners come from spring hail, thunderstorm wind and the big trees that shade the city's neighborhoods, and our Tryon Street office compares companies on exactly those risks.
In Charlotte, the claims that hit homeowners come from spring hail, thunderstorm wind and the big trees that shade the city's neighborhoods, and our Tryon Street office compares companies on exactly those risks.
Charlotte homeowners don't think about hurricanes the way the coast does. The weather to plan for here is the kind that comes through every spring and summer.
Hail. The State Climate Office of North Carolina reports that the state sees the most hail in May, with more than 2,500 confirmed hail reports in May since 1955, about twice as many as April. Hail is the reason roofs are the first thing a company asks about. Many companies look hard at roofs over 15 years old, and some will only pay actual cash value on an older roof, which means depreciation comes off the check.
Trees. Charlotte's tree canopy is one of the things people love about the city, and the City protects it. Tree preservation rules apply to trees on private property, and heritage trees need a permit to remove. For insurance, big trees cut both ways. A tree that falls on your house in a storm is usually a covered wind claim. A dead or leaning tree you knew about and left standing can become a dispute. Before you remove a large tree, check the City's rules; before a storm, check its health.
Wind. Thunderstorm wind brings down limbs and power lines and lifts shingles. Depending on the company, wind damage may fall under your regular deductible or a separate wind and hail deductible. Read the declarations page so you know which one you have.
Hurricane Helene in 2024 showed that North Carolina's biggest storm losses can come from water far from the coast, and most of the homes that flooded in the mountains had no flood policy. The same rule applies in Charlotte: a homeowners policy does not cover flood. Charlotte-Mecklenburg Storm Water Services puts it plainly: flooding can happen anywhere, and regular homeowner and renter insurance does not cover weather-related flooding.
Charlotte has done the work that lowers the price. As a FEMA Community Rating System Class 2 community since April 1, 2025, Charlotte residents can get up to a 40% discount on NFIP premiums in the regulated floodplain and 10% outside it. A flood policy outside the floodplain is usually inexpensive, and there's a 30-day wait for most new policies. You can see where your home sits on Storm Water Services' 3D Floodzone Map.
A homeowners policy has four main parts: the dwelling, your belongings, liability if someone is hurt on your property, and additional living expenses if a covered loss forces you out during repairs. HO-3 is the most common form in North Carolina. HO-5 fits newer and higher-value homes, from older houses in Dilworth to newer ones in Ballantyne. If your neighborhood has an HOA, check its covenants for any insurance requirements.
For uptown condos and townhomes where the association insures the building and you insure the inside.
NFIP and private flood, with Charlotte's CRS discount applied to NFIP policies.
Endorsements for sewer and drain backup, roof settlement options, and extended replacement cost, which some companies offer to help if rebuilding costs more than your dwelling limit.
Dwelling policies (DP-1, DP-3) for homes and condos you rent out.
Extra liability from $1 million above your home and auto.
101 S Tryon St, Suite 2700, Charlotte, NC 28280 · (910) 791-1011
Sizemore Insurance is an independent, family-owned agency founded in Wilmington in 1977, with eight offices in North Carolina, including Charlotte. We compare more than 100 insurance companies for the same home, and every client works with a licensed advisor. We're licensed in North Carolina, South Carolina, Virginia, Maryland and other states.
See also: North Carolina Home Insurance, statewide rules and coverage.
Yes, hail is a covered peril on standard homeowners forms. How much you collect depends on your deductible and whether your roof is settled at replacement cost or actual cash value.
Your lender won't require it, but a homeowners policy never covers flood. Charlotte's Community Rating System Class 2 status gives up to a 10% NFIP discount outside the regulated floodplain, and most new policies have a 30-day wait.
Usually yours, under your dwelling coverage, minus your deductible. If the tree was dead and the neighbor knew it, your company may pursue the neighbor's insurance afterward.
The City's tree preservation requirements apply to trees on private property, and heritage trees need a permit. Check with the City's Urban Forestry group before removal.
Statewide average base rates rose 7.5% on June 1, 2026, the second step of the settlement between the Department of Insurance and the Rate Bureau. Your change also depends on your territory, roof, claims and coverage limits.
Yes. Sizemore is licensed in South Carolina, and homes there are written under South Carolina rules.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.