Matthews, NC Home and Auto Insurance

Matthews is a town in southeastern Mecklenburg County, along US-74 (Independence Boulevard) and I-485. Its ZIP codes are 28104 and 28105. Matthews mixes a small historic downtown with established 1980s and 1990s subdivisions and newer construction near the Union County line.

Insuring established neighborhoods

Many Matthews homes are now 25 to 40 years old. That's the age when carriers start paying close attention to:

• Roofs. Asphalt shingle roofs commonly need replacement after about 20 to 25 years. Some carriers limit coverage or eligibility for older roofs.
• Water heaters and supply lines. Water damage from failed plumbing is a common homeowners claim. Replacing old water heaters and supply lines may help you avoid a claim.
• Updated systems. Have dates for HVAC, electrical, and plumbing updates ready when you shop.

Historic downtown homes

Homes near downtown Matthews and Trade Street can date back much further. Carriers may ask about wiring, foundations, and heating. Ask whether a policy pays replacement cost or uses a different settlement method for older homes.

Flood risk

Four Mile Creek, Irvins Creek, and other tributaries of McAlpine Creek run through the area. Charlotte-Mecklenburg Storm Water Services maps floodplains countywide, including Matthews. Standard homeowners policies don't cover flood, so check your address and ask about separate flood coverage if you're near a creek.

Driving in Matthews

US-74 and I-485 carry heavy commuter traffic toward Charlotte and Union County. If your policy still shows 30/60/25, it will move to the new 50/100/50 minimum at renewal, a change that took effect July 1, 2025 and also made UIM coverage mandatory.

Frequently Asked Questions

Will my older roof affect my homeowners insurance?

It can. Roof age and material affect eligibility and price with many carriers, and some pay roof claims differently for older roofs.

Is Matthews in Mecklenburg County?

Yes. Matthews is in southeastern Mecklenburg County, next to Union County.

How can I lower my Matthews home insurance cost?

Compare carriers, consider bundling home and auto, ask about a higher deductible you can afford, and keep records of updates to your roof and home systems.