Insurance choices carry long-term financial consequences, so it’s important to work with properly credentialed experts. In the U.S., insurance is regulated by the states, and producers/agencies must hold an active state license for each state and each line of authority they sell (e.g., property, casualty, personal lines). Because licensing requirements are enacted in state law and updated over time, always verify on your state Department of Insurance or authoritative directories such as the NAIC state insurance department directory and the NIPR Producer Database (PDB). Beyond licensing, regulators continue to raise expectations on firm governance and controls—for example, New York’s cybersecurity rule (23 NYCRR 500) has phased compliance dates running through 2025 (NYDFS Cybersecurity), and the NAIC adopted an AI Model Bulletin in Dec. 2023 outlining governance, testing, and monitoring for insurer AI uses in underwriting, pricing, claims, and marketing (NAIC AI Bulletin). Availability of some products can change quickly with market conditions—particularly property insurance in catastrophe‑exposed states. Recent examples include the California market tightening (e.g., State Farm nonrenewals reported in 2024) while the regulator advances a Sustainable Insurance Strategy (LA Times report; California Department of Insurance), and signs of stabilization in Florida with new entrants and Citizens depopulation (Florida OIR updates). For health coverage, federal rules also evolve—for instance, the 2024 federal rule narrowed short‑term, limited‑duration insurance policies and added disclosures, effective Sept. 1, 2024 (HHS final rule).
Reviews.com partners with HomeInsurance.com, LLC, a licensed insurance producer resident in North Carolina with license number 1000012368, with its principal place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. HomeInsurance.com, LLC, and related partner services are only available in states where it is licensed, and insurance coverage through Reviews.com and HomeInsurance.com, LLC, may not be available in all states. You can confirm the North Carolina resident license by searching the state’s official lookup (North Carolina DOI/SBS license lookup) and cross‑checking national directories (NAIC state DOI directory; NIPR Producer Database). Note that being licensed does not guarantee that new policies are currently being written in every area; property availability, for example, may be limited at times in states like California, Florida, or Louisiana due to catastrophe exposure and market conditions (CDI market updates; Florida OIR).
Here is where we are licensed, in partnership with HomeInsurance.com: To help you interpret the list, these are producer/agency license numbers; lines of authority (such as property, casualty, or personal lines) and statuses can vary by state and may change. Please verify details on your state DOI’s license lookup, the NAIC state DOI directory, or the NIPR Producer Database. License roster verified as of November 2025.
Verified as of November 2025 — Producer/agency license numbers for HomeInsurance.com, LLC (resident NC):
Alabama: License No. 267286
Alaska: License No. 59868
Arkansas: License No. 100101047
Arizona: License No. 1800005439
California: License No. 0F51800
Colorado: License No. 288766
Connecticut: License No. 2271329
District Of Columbia: License No. 2842789
Delaware: License No. 1051092
Florida: License No. L047928
Georgia: License No. 117188
Hawaii: License No. 421425
Iowa: License No. 1001003751
Idaho: License No. 145832
Illinois: License No. 100281887
Indiana: License No. 3496982, 514908
Kansas: License No. 020773852-000
Kentucky: License No. 645411
Louisiana: License No. 336948
Massachusetts: License No. 1974998
Maryland: License No. 99967634
Maine: License No. AGN135057
Michigan: License No. 0080763
Minnesota: License No. 40013843
Missouri: License No. 8022242
Mississippi: License No. 15006619
Montana: License No. 679979
North Carolina: License No. 1000012368
North Dakota: License No. 20294517
Nebraska: License No. 100177257
New Hampshire: License No. 2012559
New Jersey: License No. 1086177
New Mexico: License No. 1800006023
Nevada: License No. 529371
New York: License No. 1036396
Ohio: License No. 1270783, 35516
Oklahoma: License No. 100100543
Oregon: License No. 100166808
Pennsylvania: License No. 471015
Rhode Island: License No. 2037325
South Carolina: License No. 1905567354
South Dakota: License No. 8885
Tennessee: License No. 4093
Texas: License No. 1426842
Utah: License No. 253014
Virginia: License No. 100035
Vermont: License No. 515326
Washington: License No. 272184
Wisconsin: License No. 100194345
West Virginia: License No. 100109740
Wyoming: License No. 157460
For real‑time status, confirm “active” standing, lines of authority, and any appointments via the North Carolina DOI/SBS lookup (search “HomeInsurance.com, LLC”) and your state DOI’s online license search listed by the NAIC directory or through the NIPR PDB before purchasing.
Availability varies by line and state. Homeowners markets are tightest in California and parts of Florida and Louisiana; see California’s market stabilization effort and recent carrier actions (CDI Sustainable Insurance Strategy; State Farm nonrenewals) and Florida’s signs of stabilization and Citizens depopulation (Florida OIR). NFIP flood insurance is available nationwide in participating communities (FEMA Community Status Book). ACA Marketplace health coverage is available in all 50 states and DC, with multiple issuers in most areas for 2025 (KFF participation tracker; CMS press releases). For non‑insurance business licenses/permits (e.g., local business or tax registrations), use federal entry points to find the right state and local agencies (SBA state licensing; USA.gov licenses and permits).