Protect the Place You Call Home

From first homes to mountain retreats, protecting your investment is protecting your future. At The Catawba River Insurance Group, we work with 25+ top carriers to find you smart, reliable homeowners insurance that fits your lifestyle—and your neighborhood. Whether you're in Hickory, Blowing Rock, Lenoir, Charlotte, or anywhere in North Carolina, we make getting the right coverage easy.

Get a Homeowners Quote

What Your Home Insurance Can Cover

Not every house—or every homeowner—needs the same policy. We tailor protection to your property, your risks, and your budget.

  • Dwelling coverage for the structure of your home
  • Personal property coverage for your belongings
  • Liability protection for accidents on your property
  • Additional living expenses if you can’t live at home due to a covered loss

Specialty Home Insurance Options Available

Need protection beyond a standard policy? We offer customizable plans for unique living situations, second homes, and investment properties.

  • Coverage for short-term rentals (Airbnb, VRBO)
  • Landlord/tenant protection for rental homes
  • Policies for vacant or under-construction homes
  • High-value property endorsements for luxury homes

From Charlotte to Boone—Your Home Deserves Full Protection

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Homeowners Coverage Extras We Recommend

You worked hard for your home—let’s protect it the right way, with personalized advice and real options from local experts.

Coverage for Primary Residences
Protect your home’s structure, belongings, and liability risks with dependable, affordable coverage.

Landlord & Rental Property Insurance
Whether it’s a short-term Airbnb or a long-term rental, we’ll help secure your investment.

Vacant & Builder’s Risk Coverage
Insure properties under construction or temporarily unoccupied with policies designed for changing conditions.

Tailored Policies for Unique Homes
From vacation properties to multi-family dwellings, get the protection your home truly needs.

FAQs

  • Is homeowners insurance required?

    If you have a mortgage, your lender will require it. Even if you own your home outright, coverage protects your financial investment.

  • What’s not covered by standard homeowners insurance?

    Typical exclusions include flood, earthquake, and certain types of water damage—ask us about special endorsements.

  • Can I bundle my home and auto insurance?

    Yes! Bundling can save you up to 20% on premiums—and simplify your insurance management.

  • Does homeowners insurance cover detached structures?

    Most policies include coverage for garages, sheds, and fences—but the limits may differ. We'll make sure you're fully protected.

Protect Your Foundation with The CRIG