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

A black and white icon of a clipboard with numbers on it.
A judge 's gavel is sitting next to a piece of paper with a check mark on it.
A black and white drawing of a hand pointing at a check box.
A black and white drawing of a car with a shield on top of it.

Extended replacement cost coverage
Ensure you can rebuild even if construction costs rise.

Personal umbrella insurance
Add extra liability protection beyond your basic policy limits.

Sewer backup and service line protection
Cover common risks that aren’t included in standard home policies.

Valuable items coverage
Protect jewelry, fine art, and collectibles with customized limits.

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

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