ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Condo Insurance Agents Near You in Chapel Hill, NC

Browse condo insurance agents serving Chapel Hill, North Carolina. Updated 2026-07-14.

The top-rated condo insurance agent in Chapel Hill, North Carolina is Pam Herndon - State Farm Insurance Agent, rated 4.9 stars across 221 reviews. Other highly rated options include James Dallesandro: Allstate Insurance, Highstreet Insurance formerly, Seagroves Agency Inc, Kevin Cooke - State Farm Insurance Agent. This directory lists 18 condo insurance agents serving Chapel Hill.

Showing 18 condo insurance agents in Chapel Hill, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Pam Herndon - State Farm Insurance Agent104 S Estes Dr # 105(919) 240-0155
2James Dallesandro: Allstate Insurance50211 Governors Dr(919) 205-3262
3Highstreet Insurance formerly, Seagroves Agency Inc1506 E Franklin St #100(919) 942-8733
4Kevin Cooke - State Farm Insurance Agent200 Timberhill Pl UNIT 202(919) 918-4478
5Legacy Insurance Agency LLC1340 Environ Way(919) 263-2328
6Ben Reece: Allstate Insurance112 Perkins Dr STE 600(919) 929-6900
7High & Rubish Insurance Agency6015 Farrington Rd STE 101(919) 913-1144
8Donny E Dingess Jr - State Farm Insurance Agent400 Market St #103(919) 942-3366
9Ola Stinnett - State Farm Insurance Agent180 Providence Rd #1b(919) 968-0470
10Chip Millard, Insurance Broker102 Market St Ste. 208(919) 357-6637
PH
104 S Estes Dr # 105
Pam Herndon - State Farm Insurance Agent
Condo Insurance Agent · Chapel Hill, NC

Pam Herndon - State Farm Insurance Agent provides comprehensive condo insurance coverage for properties in Chapel Hill, NC. The agency offers tailored policy options designed to protect condominium units and shared building structures. Service plans typically include assistance with claims processing and policy adjustments to meet evolving coverage needs. Maintenance plans are developed to ensure policies remain current with changing property values and local regulations. The company services single-family homes, apartments, residential condominiums, retail spaces, and restaurants within the Chapel Hill area.

JD
50211 Governors Dr
James Dallesandro: Allstate Insurance
Condo Insurance Agent · Chapel Hill, NC

James Dallesandro: Allstate Insurance serves Chapel Hill, North Carolina, offering specialized condo insurance policies for local homeowners. Coverage options address the unique needs of condo owners, including protection for personal belongings and interior fixtures. The agency helps residents understand what a master policy covers versus what individual unit owners must provide. Clients can receive professional guidance on loss assessment coverage and liability protection. James Dallesandro: Allstate Insurance handles personal property endorsements and deductible waivers for condo unit owners in the area.

HI
1506 E Franklin St #100
Highstreet Insurance formerly, Seagroves Agency Inc
Condo Insurance Agent · Chapel Hill, NC

Highstreet Insurance, formerly Seagroves Agency Inc, serves condo owners and homeowners associations in Chapel Hill, North Carolina. The agency provides insurance policies tailored to condominium properties, covering individual units and common areas. General condo insurance in this region protects against property damage, liability, and loss assessment fees. This company assists clients in selecting appropriate coverage limits and deductibles for their specific needs. It also extends its services to nearby communities such as Carrboro.

KC
200 Timberhill Pl UNIT 202
Kevin Cooke - State Farm Insurance Agent
Condo Insurance Agent · Chapel Hill, NC

Kevin Cooke - State Farm Insurance Agent serves condo owners in Chapel Hill and the surrounding communities of Orange and Durham counties. The agency handles tailored policies that protect individual units from common perils such as fire, water damage, and theft. It also reviews existing liability limits and loss-assessment coverage to ensure they match the specific needs of each client. For a typical job, its general approach involves reviewing the condominium association's master policy first, then structuring the individual policy to close any coverage gaps.

LI
1340 Environ Way
Legacy Insurance Agency LLC
Condo Insurance Agent · Chapel Hill, NC

Legacy Insurance Agency LLC in Chapel Hill, NC addresses the difference between a one-time policy for closing requirements and ongoing coverage for year-round protection. A condo insurance agent ensures policies cover interior walls, personal property, and liability gaps left by the master association’s plan. Services are provided on an as-needed basis for clients seeking quotes, annual reviews, or claim support without committing to a recurring schedule.

BR
112 Perkins Dr STE 600
Ben Reece: Allstate Insurance
Condo Insurance Agent · Chapel Hill, NC

Specializing in coverage for condominium units and association policies, Ben Reece: Allstate Insurance serves the Chapel Hill area. Its team helps condo owners understand the gap between building master policies and personal unit protection. General service work includes assessing contents, liability, and loss assessment needs for individual policyholders. As the region experiences changing fall weather patterns, it particularly assists clients with claims arising from roof leaks and storm damage to shared structures.

HR
6015 Farrington Rd STE 101
High & Rubish Insurance Agency
Condo Insurance Agent · Chapel Hill, NC

After a heavy storm or seasonal freeze in Chapel Hill, a sudden leak or fallen branch often reminds homeowners why hazard coverage matters for their condominium interests. High & Rubish Insurance Agency works with local property owners to align appropriate dwelling protection beneath their association’s master policy, tailoring limits to interior fixtures, personal belongings, and liability exposures unique to the area. Their initial consultation begins with a walkthrough of the unit’s layout and an inventory of installed finishes.

DE
400 Market St #103
Donny E Dingess Jr - State Farm Insurance Agent
Condo Insurance Agent · Chapel Hill, NC

Donny E Dingess Jr - State Farm Insurance Agent in Chapel Hill, NC, provides residential condo insurance to protect individual units and personal belongings. Commercial coverage is also available for condominium associations or property managers. The agency serves clients throughout the Chapel Hill area and surrounding communities. Policies are tailored to address local building regulations and liability concerns. Between regular visits, the office follows up with policyholders for updates or adjustments, helping ensure ongoing coverage that meets changing needs.

OS
180 Providence Rd #1b
Ola Stinnett - State Farm Insurance Agent
Condo Insurance Agent · Chapel Hill, NC

Ola Stinnett - State Farm Insurance Agent in Chapel Hill, NC, is known for providing personalized condo insurance coverage to local residents. Its service range includes protecting interior structures, personal belongings, and liability within individual condo units. Each policy considers the unique needs of condominium owners, addressing gaps often left by building master policies. For homeowners needing further protection, the agency can also add loss assessment coverage as a specialty service to handle unexpected fees from shared property claims.

CM
102 Market St Ste. 208
Chip Millard, Insurance Broker
Condo Insurance Agent · Chapel Hill, NC
BI
501 Eastowne Dr Suite 250
Business Insurers of the Carolinas
Condo Insurance Agent · Chapel Hill, NC
(800) 962-4611
business-insurers.com
NF
102 S Estes Dr
NC Farm Bureau Insurance
Condo Insurance Agent · Chapel Hill, NC
(919) 960-6801
ncfbins.com/chapel-hill
CW
101 Glen Lennox Dr Suite 300
Chan Wright Insurance Agency
Condo Insurance Agent · Chapel Hill, NC
(919) 341-1606
chanwrightinsurance.com
IC
1011 Hamilton Rd Suite 217
Insurance of the Carolinas
Condo Insurance Agent · Chapel Hill, NC
(919) 967-8399
insofthecarolinas.com
UI
1829 E Franklin St Suite 800-F
University Insurance - Erie Insurance Agency
Condo Insurance Agent · Chapel Hill, NC
(919) 933-9050
universityinsurance.org
CN
100 Europa Dr #571
Carolina National Insurance
Condo Insurance Agent · Chapel Hill, NC
(919) 626-4732
cniagency.com
UI
212 E Rosemary St
University Insurance, Inc.
Condo Insurance Agent · Chapel Hill, NC
(919) 933-9050
universityinsurance.org
DH
501 Eastowne Dr Suite 250
Dominick Huckabee Nobin & Trent Insurance Agency DBA: Triangle Risk Advisors, Inc.
Condo Insurance Agent · Chapel Hill, NC
(919) 286-7473
triangleinsurance.com

What Does a a Condo Insurance Agent in Chapel Hill Cost?

Typical condo insurance costs in North Carolina range from 300 to 600 dollars per year for a standard HO6 policy. Factors like your unit location, coverage limits, and deductible affect the premium. For example, a policy with 25,000 dollars in personal property coverage and 100,000 dollars in liability may cost around 400 dollars annually. This is general information and not insurance advice.

About condo insurance agents in Chapel Hill

Condo insurance agents in Chapel Hill, North Carolina help you secure an HO6 policy that covers your personal property and interior walls. North Carolina law requires condo associations to carry a master policy, but individual unit owners need their own coverage for improvements and liability. A local agent can explain how the state insurance regulations affect your specific condo unit.

Frequently Asked Questions

What does a condo insurance agent in Chapel Hill do?

A condo insurance agent helps you choose an HO6 policy that meets North Carolina requirements. They explain the difference between the master policy and your personal coverage. They also help you understand liability limits and loss assessment coverage.

Do I need condo insurance in North Carolina?

Yes, most mortgage lenders in North Carolina require you to have an HO6 policy. Even if you own your condo outright, the policy protects your personal belongings and covers you if someone is injured in your unit. North Carolina law does not mandate it, but it is strongly recommended.

How is condo insurance different from homeowners insurance in Chapel Hill?

Condo insurance, or HO6, covers only the interior of your unit and your personal property. Homeowners insurance covers the entire structure. In North Carolina, the condo association master policy covers common areas and the building exterior.

Condo Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each condo insurance agent's credentials and current standing with your state Department of Insurance.