The BEST Home Insurance Companies Of 2023 | Homeowners Insurance

In this video, you will learn about the best home insurance companies of 2023!

- Video discusses top home insurance carriers in North Carolina for 2023.
- Emphasis on best carriers for homeowners with older roofs due to increasing claims from hail damage.
- Auto Owners Insurance recommended for coverage of roofs 15 years or older, but offers actual cash value settlement, not replacement cost.
- Auto Owners Insurance suggested for homeowners who can't bundle due to auto accidents or violations.
- North Carolina Farm Bureau Insurance recommended for those with middle-average credit and a relatively clean claims history.
- Coastal homeowners given two options: carriers providing complete coverage including wind and hail, or separate policies.
- Orion 180 suggested as a carrier covering Coastal counties with comprehensive homeowners program including wind and hail.
- Erie Insurance recommended for bundled preferred business clients, noted for claims payment and pricing stability.
- Erie Insurance favored as the best overall homeowners insurance carrier in North Carolina for 2023.
- Viewers encouraged to explore other videos in the series for more insurance carrier insights.
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🕰VIDEO TIMESTAMP🕰
00:00 Intro
00:11 The Best Home Insurance Carriers in North Carolina in 2023
00:24 Best Home Insurance Carrier for Older Roof
01:30 Best Carrier for Monoline Homeowner's Insurance
02:20 Best Home Insurance Carrier for Average Credit and Minor Claims
02:54 Best Home Insurance Carrier for Coastal Homes
05:10 Best Overal Home Insurance Carrier for Preferred Clients
06:04 Conclusion
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Transcript: "in today's video we're going to discuss the top home insurance carriers in the state of North Carolina for 2023. let's get after it today we're continuing along our journey with the best insurance carriers for North Carolinians in 2023. in our first category for the best homeowners insurance in 2023 is for those of you out there with older roofs now roofs in general are a Hot Topic in the insurance industry carriers are having to pay more and more claims when it comes to hail damage and other things for roofs so now more than ever they're cracking down on underwriting for older roofs with many carriers not providing any coverage for you if your roof is older than 15 years old they simply will not write your insurance so if you find yourself with an older roof that is still in really good shape then the carrier for you right now is actually Auto Owners Insurance Auto Owners does a great job of paying claims and just a simple fact they will actually write your roof if it's 15 years or older now there's a caveat they're only going to provide you with actual cash value loss settlement which means that you're not going to get replacement costs it's actually will be the replacement cost less depreciation of your roof but still you have some coverage so look to Auto Owners if you have an older but good roof all right so let's say that for some reason you are unable to bundle all your insurance with the same carrier and more than likely that means that you've had uh some auto accidents uh maybe a DUI something on your auto record that doesn't allow you to be with a preferred carrier which means that you have to get your homeowners insurance with just someone else other than your auto carrier so if you are one of those and you have to have a model line homeowners insurance company then the carrier of choice in 2023 is actually Auto Owners Auto Owners does a really good job because they don't give you that much of a discount when it comes to the bundling discount so if you're one of those who can't bundle everything together because you've got some tickets and accidents then look to auto owners for your homeowners insurance so let's say that you have middle to average credit and maybe have a claim