Best homeowners insurance in North Carolina (August 23)
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Are you looking for the cheapest home insurance in North Carolina? Our review on homeowners insurance in NC will help you find the best home insurance quotes in NC.
Why compare Home Insurance rates in North Carolina
- On average, homeowners insurance in NC costs around $1,478 yearly.
- The rate of home insurance in North Carolina starts at $671 for a year..
- The state is prone to hurricanes. So ensure to add a hurricane deductible to your home insurance policy.
North Carolina homeowners insurance: what you need to know
The average cost of home insurance in NC is around $1,478 a year. The rate of homeowners insurance in NC is slightly less than the average national rate. North Carolina is an ideal place to settle due to the affordable home insurance rates.
However, certain regions of the state are also prone to hurricanes, making it all the more crucial to protect your property with reliable homeowners insurance coverage. Fortunately, despite extreme weather hazards, premiums are still reasonable for people living in North Carolina.
Still, a resident will be looking for cheap North Carolina homeowners insurance. So our review will give you an idea of homeowners insurance in NC for different categories.
What does a homeowners insurance policy cover?
Standard home insurance in North Carolina covers your house, personal property, detached structures, and liability exposure. But for more comprehensive security, you might consider purchasing additional coverage. These are a few additional coverages you can consider.
Flood insurance: A standard homeowners insurance policy does not cover flood damage. However, the National Flood Insurance Program (NFIP), run by FEMA and a few private flood insurers, offers flood insurance.
Windstorm and hail: The coverage may not be part of your regular coverage, depending on where in the state you reside and your insurance provider. Some homeowners could be required to buy separate windstorm and hail insurance coverage.
Earthquake damage: An earthquake coverage may cover other structures, such as a garage or shed, that are unrelated to your home but still need repairs. Additionally, it can cover your personal belongings, the expense of clearing away debris, and any additional living costs, that you may incur following an earthquake. Although significant earthquakes don't frequently occur in the state, most homeowners insurance in NC doesn't normally provide coverage for earthquake damage.
What isn't covered by a typical homeowners insurance policy?
Ideally, home insurance in North Carolina doesn't cover floods, earthquakes, sinkholes, power outages, insect and vermin infestations, nuclear threats, war, wear, and tear, or purposeful loss. Knowing what is and isn't covered is a good idea to carefully review your home insurance policy before purchasing.
The cheapest home insurance companies in North Carolina
The rates of homeowners insurance in NC vary by the insurer you choose. On average, Safeco offers the most affordable home insurance in North Carolina, with a yearly average rate of $671. North Carolina Farm Bureau offers the second-best option with an average annual rate of $1,261.
Your rate can differ by the coverage you choose. Do you want to have cheap homeowners insurance in NC? Then use the various discounts your insurer offers to decrease the NC homeowner insurance rate.
| Insurer | Average annual rate |
|---|---|
| Safeco | $671 |
| North Carolina Farm Bureau | $1,261 |
| Liberty Mutual | $1,309 |
| State Farm | $1,455 |
| Nationwide | $1,853 |
The best homeowners insurance in North Carolina for those with a claims history
After making a claim, you can expect an increase in your insurance price. However, not all insurance companies raise their rates by the same amount. These are the average annual rates of homeowners insurance in NC with a claims history.
| Insurer | Average annual rate |
|---|---|
| State Farm | $789 |
| North Carolina Farm Bureau | $1,570 |
| Lititz Mutual | $1,577 |
| Kemper | $1,863 |
| Auto-Owners | $2,275 |
The best homeowners insurance in North Carolina for newer homes
Insurance companies often see newer homes as less risky. Therefore, North Carolina homeowners insurance premiums are typically lower for those who buy new homes.
| Insurer | Average annual rate |
|---|---|
| Kemper | $470 |
| Auto-Owners | $654 |
| State Farm | $681 |
| Universal | $951 |
| USAA | $994 |
Homeowners Insurance deductibles in North Carolina
When choosing a policy, homeowners have various options, including how high or low to set their deductible. The total sum you contribute toward a covered loss is the deductible. Therefore, the location of your deductible might greatly impact how much your insurance will cost.
It means that a bigger deductible lowers the cost of insurance. Therefore, consider raising your deductible if you want to lock in reduced homeowners insurance in NC rates. The following are average premium costs for typical homeowners deductibles.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,645 |
| $1,000 | $1,442 |
| $1,500 | $1,342 |
| $2,000 | $1,136 |
| $5,000 | $988 |
North Carolina home insurance prices by coverage levels
The coverage level you select considerably affects the cost of homeowners insurance in NC. These are the average annual rates of home insurance in NC based on dwelling coverage.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $718 |
| $200,000 | $1,178 |
| $250,000 | $1,442 |
| $400,000 | $2,083 |
North Carolina Homeowners insurance costs by city
The cost of homeowners insurance in NC varies by city. In addition, rates depend on various factors like the volume of claims in your nearby area, ZIP Code, or the crime rate. In North Carolina, the following cities offer the most affordable homeowners insurance.
| City | Annual Average Rate |
|---|---|
| Aberdeen | $1,242.00 |
| Advance | $1,049.00 |
| Ahoskie | $1,608.00 |
| Alamance | $1,185.00 |
| Albemarle | $1,128.00 |
| Albertson | $2,129.00 |
| Alexander | $897.00 |
| Alexis | $1,168.00 |
| Alliance | $4,111.00 |
| Almond | $965.00 |
| Altamahaw | $1,065.00 |
| Andrews | $857.00 |
| Angier | $1,449.00 |
| Ansonville | $1,363.00 |
| Apex | $1,254.00 |
| Arapahoe | $4,111.00 |
| Ararat | $1,045.00 |
| Archdale | $1,097.00 |
| Archer Lodge | $1,469.00 |
| Arden | $899.00 |
| Ash | $5,358.00 |
| Asheboro | $1,096.00 |
| Asheville | $905.00 |
| Atkinson | $5,343.00 |
| Atlantic | $8,172.00 |
| Atlantic Beach | $9,515.00 |
| Aulander | $1,674.00 |
| Aurora | $3,205.00 |
| Autryville | $1,830.00 |
| Avery Creek | $897.00 |
| Avon | $7,127.00 |
| Ayden | $1,936.00 |
| Aydlett | $3,389.00 |
| Badin | $1,129.00 |
| Bahama | $1,276.00 |
| Bailey | $1,427.00 |
| Bakersville | $946.00 |
| Bald Head Island | $8,812.00 |
| Balfour | $902.00 |
| Balsam | $973.00 |
| Balsam Grove | $1,084.00 |
| Banner Elk | $923.00 |
| Barco | $3,389.00 |
| Barium Springs | $1,244.00 |
| Barker Heights | $902.00 |
| Barnardsville | $897.00 |
| Barnesville | $2,186.00 |
| Bat Cave | $1,010.00 |
| Bath | $3,206.00 |
| Battleboro | $1,478.00 |
| Bayboro | $4,114.00 |
| Bayshore | $6,861.00 |
| Bear Creek | $1,143.00 |
| Beaufort | $7,478.00 |
| Beech Mountain | $891.00 |
| Belews Creek | $1,047.00 |
| Belhaven | $3,205.00 |
| Bell Arthur | $1,941.00 |
| Bellarthur | $2,024.00 |
| Belmont | $1,058.00 |
| Belvidere | $2,797.00 |
| Belville | $5,349.00 |
| Belwood | $1,032.00 |
| Bennett | $1,143.00 |
| Benson | $1,469.00 |
| Bent Creek | $896.00 |
| Bermuda Run | $1,048.00 |
| Bessemer City | $1,061.00 |
| Bethel | $1,941.00 |
| Bethlehem | $1,126.00 |
| Beulaville | $2,126.00 |
| Biltmore Forest | $897.00 |
| Biscoe | $1,292.00 |
| Black Mountain | $897.00 |
| Bladenboro | $2,279.00 |
| Blanch | $1,192.00 |
| Blounts Creek | $3,204.00 |
| Blowing Rock | $890.00 |
| Bogue | $9,028.00 |
| Boiling Spring Lakes | $6,521.00 |
| Boiling Springs | $1,031.00 |
| Bolivia | $6,526.00 |
| Bolton | $2,737.00 |
| Bonlee | $1,256.00 |
| Boomer | $1,001.00 |
| Boone | $905.00 |
| Boonville | $945.00 |
| Bostic | $1,013.00 |
| Bowmore | $1,402.00 |
| Brasstown | $856.00 |
| Brevard | $976.00 |
| Bridgeton | $3,115.00 |
| Broad Creek | $9,048.00 |
| Broadway | $1,381.00 |
| Brogden | $1,904.00 |
| Browns Summit | $1,051.00 |
| Brunswick | $2,774.00 |
| Bryson City | $961.00 |
| Buies Creek | $1,429.00 |
| Bullock | $1,034.00 |
| Bunn | $1,418.00 |
| Bunnlevel | $1,434.00 |
| Burgaw | $5,339.00 |
| Burlington | $1,064.00 |
| Burnsville | $884.00 |
| Butner | $1,037.00 |
| Buxton | $3,897.00 |
| Bynum | $1,256.00 |
| Calabash | $6,522.00 |
| Calypso | $2,128.00 |
| Camden | $2,782.00 |
| Cameron | $1,371.00 |
| Camp Lejeune | $5,299.00 |
| Candler | $896.00 |
| Candor | $1,292.00 |
| Canton | $958.00 |
| Cape Carteret | $9,030.00 |
| Caroleen | $1,120.00 |
| Carolina Beach | $8,171.00 |
| Carolina Shores | $6,523.00 |
| Carrboro | $1,132.00 |
| Carthage | $1,243.00 |
| Cary | $1,269.00 |
| Casar | $1,032.00 |
| Cashiers | $870.00 |
| Castalia | $1,422.00 |
| Castle Hayne | $5,929.00 |
| Caswell Beach | $6,523.00 |
| Catawba | $895.00 |
| Cedar Falls | $1,203.00 |
| Cedar Grove | $1,136.00 |
| Cedar Island | $6,596.00 |
| Cedar Mountain | $1,084.00 |
| Cedar Point | $6,794.00 |
| Cerro Gordo | $2,745.00 |
| Chadbourn | $2,743.00 |
| Chapel Hill | $1,167.00 |
| Charlotte | $1,185.00 |
| Cherokee | $916.00 |
| Cherry Point | $3,083.00 |
| Cherryville | $1,036.00 |
| China Grove | $1,059.00 |
| Chinquapin | $2,124.00 |
| Chocowinity | $3,202.00 |
| Claremont | $893.00 |
| Clarendon | $2,743.00 |
| Clarkton | $2,372.00 |
| Clayton | $1,489.00 |
| Clemmons | $1,048.00 |
| Cleveland | $1,084.00 |
| Cliffside | $1,013.00 |
| Climax | $1,096.00 |
| Clinton | $1,892.00 |
| Clyde | $958.00 |
| Coats | $1,429.00 |
| Cofield | $1,544.00 |
| Coinjock | $3,367.00 |
| Colerain | $1,802.00 |
| Colfax | $1,050.00 |
| Collettsville | $906.00 |
| Columbia | $2,773.00 |
| Columbus | $904.00 |
| Comfort | $3,196.00 |
| Como | $1,544.00 |
| Concord | $1,031.00 |
| Conetoe | $1,634.00 |
| Connelly Springs | $902.00 |
| Conover | $893.00 |
| Conway | $1,390.00 |
| Cooleemee | $1,052.00 |
| Corapeake | $1,561.00 |
| Cordova | $1,364.00 |
| Cornelius | $1,160.00 |
| Corolla | $3,479.00 |
| Council | $2,281.00 |
| Cove City | $3,089.00 |
| Cove Creek | $891.00 |
| Cramerton | $1,059.00 |
| Creedmoor | $1,037.00 |
| Creston | $879.00 |
| Creswell | $3,079.00 |
| Cricket | $1,096.00 |
| Crossnore | $1,064.00 |
| Crouse | $1,039.00 |
| Crumpler | $878.00 |
| Culberson | $962.00 |
| Cullowhee | $869.00 |
| Cumberland | $1,784.00 |
| Cumnock | $1,376.00 |
| Currie | $5,344.00 |
| Currituck | $3,367.00 |
| Dallas | $1,060.00 |
| Dana | $901.00 |
| Danbury | $1,048.00 |
| Davidson | $1,158.00 |
| Davis | $8,177.00 |
| Deep Gap | $891.00 |
| Deep Run | $2,062.00 |
| Delco | $2,736.00 |
| Denton | $1,079.00 |
| Denver | $1,016.00 |
| Dillsboro | $973.00 |
| Dobbins Heights | $1,361.00 |
| Dobson | $1,045.00 |
| Dortches | $1,428.00 |
| Dover | $3,132.00 |
| Drexel | $901.00 |
| Dublin | $2,343.00 |
| Duck | $7,041.00 |
| Dudley | $1,903.00 |
| Dunn | $1,634.00 |
| Durants Neck | $2,824.00 |
| Durham | $1,266.00 |
| Eagle Springs | $1,242.00 |
| Earl | $1,138.00 |
| East Bend | $945.00 |
| East Flat Rock | $901.00 |
| East Rockingham | $1,363.00 |
| East Spencer | $1,061.00 |
| Eastover | $1,699.00 |
| Eden | $1,054.00 |
| Edenton | $2,881.00 |
| Edneyville | $901.00 |
| Edward | $3,230.00 |
| Efland | $1,134.00 |
| Elizabeth City | $2,819.00 |
| Elizabethtown | $2,277.00 |
| Elk Park | $956.00 |
| Elkin | $1,044.00 |
| Ellenboro | $1,012.00 |
| Ellerbe | $1,361.00 |
| Elm City | $1,487.00 |
| Elon | $1,066.00 |
| Elroy | $1,903.00 |
| Emerald Isle | $9,504.00 |
| Enfield | $1,400.00 |
| Engelhard | $4,137.00 |
| Enka | $1,006.00 |
| Ennice | $878.00 |
| Enochville | $1,057.00 |
| Ernul | $3,115.00 |
| Erwin | $1,430.00 |
| Ether | $1,390.00 |
| Etowah | $902.00 |
| Eure | $1,564.00 |
| Everetts | $2,033.00 |
| Evergreen | $2,742.00 |
| Fair Bluff | $2,742.00 |
| Fairfield | $4,137.00 |
| Fairfield Harbour | $3,085.00 |
| Fairmont | $2,122.00 |
| Fairplains | $1,096.00 |
| Fairview | $1,072.00 |
| Faison | $2,009.00 |
| Faith | $1,060.00 |
| Falcon | $1,784.00 |
| Fallston | $1,138.00 |
| Farmville | $1,943.00 |
| Fayetteville | $1,698.00 |
| Fearrington Village | $1,141.00 |
| Ferguson | $1,096.00 |
| Flat Rock | $938.00 |
| Fleetwood | $878.00 |
| Fletcher | $900.00 |
| Fontana Dam | $964.00 |
| Forest City | $1,012.00 |
| Forest Oaks | $1,049.00 |
| Fort Bragg | $1,697.00 |
| Foscoe | $891.00 |
| Fountain | $1,942.00 |
| Four Oaks | $1,469.00 |
| Foxfire | $1,242.00 |
| Franklin | $867.00 |
| Franklinton | $1,227.00 |
| Franklinville | $1,095.00 |
| Fremont | $1,902.00 |
| Frisco | $7,054.00 |
| Fruitland | $902.00 |
| Fuquay-Varina | $1,348.00 |
| Gamewell | $905.00 |
| Garland | $2,085.00 |
| Garner | $1,306.00 |
| Garysburg | $1,387.00 |
| Gaston | $1,387.00 |
| Gastonia | $1,059.00 |
| Gates | $1,563.00 |
| Gatesville | $1,562.00 |
| Germanton | $1,049.00 |
| Gerton | $1,010.00 |
| Gibson | $1,466.00 |
| Gibsonville | $1,055.00 |
| Glade Valley | $879.00 |
| Glen Alpine | $902.00 |
| Glen Raven | $1,062.00 |
| Glendale Springs | $983.00 |
| Glenville | $973.00 |
| Gloucester | $6,804.00 |
| Godwin | $1,795.00 |
| Gold Hill | $1,061.00 |
| Goldsboro | $1,911.00 |
| Goldston | $1,143.00 |
| Graham | $1,061.00 |
| Grandy | $3,389.00 |
| Granite Falls | $905.00 |
| Granite Quarry | $1,060.00 |
| Grantsboro | $4,112.00 |
| Grassy Creek | $878.00 |
| Green Level | $1,062.00 |
| Green Mountain | $915.00 |
| Greenevers | $2,127.00 |
| Greensboro | $1,057.00 |
| Greenville | $1,938.00 |
| Grifton | $1,998.00 |
| Grimesland | $1,941.00 |
| Grover | $1,031.00 |
| Half Moon | $5,207.00 |
| Halifax | $1,402.00 |
| Hallsboro | $2,744.00 |
| Hamilton | $1,951.00 |
| Hamlet | $1,362.00 |
| Hampstead | $7,537.00 |
| Hamptonville | $990.00 |
| Harbinger | $3,367.00 |
| Harkers Island | $6,800.00 |
| Harmony | $1,124.00 |
| Harrells | $2,086.00 |
| Harrellsville | $1,542.00 |
| Harrisburg | $1,033.00 |
| Hassell | $2,033.00 |
| Hatteras | $7,078.00 |
| Havelock | $3,084.00 |
| Haw River | $1,063.00 |
| Hayesville | $855.00 |
| Hays | $1,097.00 |
| Hazelwood | $1,068.00 |
| Henderson | $1,034.00 |
| Hendersonville | $901.00 |
| Henrico | $1,387.00 |
| Henrietta | $1,013.00 |
| Hertford | $2,795.00 |
| Hickory | $896.00 |
| Hiddenite | $1,128.00 |
| High Point | $1,065.00 |
| Highfalls | $1,346.00 |
| Highlands | $867.00 |
| Hildebran | $902.00 |
| Hillsborough | $1,162.00 |
| Hobbsville | $1,559.00 |
| Hobgood | $1,401.00 |
| Hobucken | $4,087.00 |
| Hoffman | $1,360.00 |
| Holden Beach | $8,831.00 |
| Hollister | $1,400.00 |
| Holly Ridge | $7,452.00 |
| Holly Springs | $1,266.00 |
| Hookerton | $1,924.00 |
| Hope Mills | $1,700.00 |
| Horse Shoe | $903.00 |
| Hot Springs | $957.00 |
| Hubert | $6,174.00 |
| Hudson | $905.00 |
| Huntersville | $1,160.00 |
| Hurdle Mills | $1,014.00 |
| Icard | $902.00 |
| Indian Trail | $1,157.00 |
| Iron Station | $1,015.00 |
| Ivanhoe | $1,894.00 |
| Jaars | $1,161.00 |
| Jackson | $1,389.00 |
| Jackson Heights | $2,060.00 |
| Jackson Springs | $1,346.00 |
| Jacksonville | $5,205.00 |
| James City | $3,085.00 |
| Jamestown | $1,049.00 |
| Jamesville | $1,951.00 |
| Jarvisburg | $3,389.00 |
| Jefferson | $878.00 |
| Jonas Ridge | $1,010.00 |
| Jonesville | $946.00 |
| Julian | $1,050.00 |
| Kannapolis | $1,042.00 |
| Keener | $1,892.00 |
| Kelford | $1,804.00 |
| Kelly | $2,276.00 |
| Kenansville | $2,128.00 |
| Kenly | $1,485.00 |
| Kernersville | $1,044.00 |
| Kill Devil Hills | $7,039.00 |
| King | $1,047.00 |
| Kings Grant | $6,860.00 |
| Kings Mountain | $1,045.00 |
| Kingstown | $1,031.00 |
| Kinston | $2,059.00 |
| Kipling | $1,521.00 |
| Kittrell | $1,163.00 |
| Kitty Hawk | $7,029.00 |
| Knightdale | $1,266.00 |
| Knotts Island | $3,479.00 |
| Kure Beach | $4,974.00 |
| La Grange | $1,983.00 |
| Lake Junaluska | $958.00 |
| Lake Lure | $1,011.00 |
| Lake Norman of Catawba | $894.00 |
| Lake Park | $1,159.00 |
| Lake Royale | $1,417.00 |
| Lake Toxaway | $976.00 |
| Lake Waccamaw | $2,743.00 |
| Lakeview | $1,346.00 |
| Landis | $1,057.00 |
| Lansing | $878.00 |
| Lattimore | $1,138.00 |
| Laurel Hill | $1,467.00 |
| Laurel Park | $901.00 |
| Laurel Springs | $880.00 |
| Laurinburg | $1,467.00 |
| Lawndale | $1,032.00 |
| Lawsonville | $1,047.00 |
| Leasburg | $1,192.00 |
| Leicester | $898.00 |
| Leland | $5,351.00 |
| Lemon Springs | $1,376.00 |
| Lenoir | $906.00 |
| Lewiston Woodville | $1,883.00 |
| Lewisville | $1,045.00 |
| Lexington | $1,061.00 |
| Liberty | $1,069.00 |
| Light Oak | $1,031.00 |
| Lilesville | $1,364.00 |
| Lillington | $1,430.00 |
| Lincolnton | $1,027.00 |
| Linden | $1,522.00 |
| Linville Falls | $1,010.00 |
| Linwood | $1,060.00 |
| Little Switzerland | $987.00 |
| Littleton | $1,226.00 |
| Locust | $1,128.00 |
| Long View | $893.00 |
| Longwood | $5,357.00 |
| Louisburg | $1,416.00 |
| Lowell | $1,059.00 |
| Lowesville | $1,017.00 |
| Lowgap | $1,045.00 |
| Lowland | $4,087.00 |
| Lucama | $1,517.00 |
| Lumber Bridge | $1,766.00 |
| Lumberton | $2,123.00 |
| Lynn | $1,013.00 |
| MacClesfield | $1,531.00 |
| Macon | $1,052.00 |
| Madison | $1,053.00 |
| Maggie Valley | $959.00 |
| Magnolia | $2,049.00 |
| Maiden | $894.00 |
| Mamers | $1,430.00 |
| Manns Harbor | $3,925.00 |
| Manson | $1,042.00 |
| Manteo | $6,716.00 |
| Maple | $3,367.00 |
| Maple Hill | $5,348.00 |
| Mar-Mac | $1,904.00 |
| Marble | $857.00 |
| Margarettsville | $1,390.00 |
| Marietta | $2,186.00 |
| Marion | $877.00 |
| Mars Hill | $956.00 |
| Marshall | $956.00 |
| Marshallberg | $6,596.00 |
| Marshville | $1,159.00 |
| Marston | $1,458.00 |
| Marvin | $1,161.00 |
| Matthews | $1,160.00 |
| Maury | $1,924.00 |
| Maxton | $2,122.00 |
| Mayodan | $1,055.00 |
| Maysville | $4,186.00 |
| McAdenville | $1,059.00 |
| McCutcheon Field | $5,220.00 |
| McFarlan | $1,458.00 |
| McGrady | $1,216.00 |
| McLeansville | $1,050.00 |
| Mebane | $1,083.00 |
| Merritt | $4,116.00 |
| Merry Hill | $1,801.00 |
| Micaville | $992.00 |
| Middlesex | $1,442.00 |
| Midland | $1,033.00 |
| Midway | $1,062.00 |
| Midway Park | $5,204.00 |
| Mill Spring | $940.00 |
| Millers Creek | $1,097.00 |
| Mills River | $902.00 |
| Milton | $1,078.00 |
| Mineral Springs | $1,160.00 |
| Mint Hill | $1,160.00 |
| Misenheimer | $1,129.00 |
| Mocksville | $1,050.00 |
| Moncure | $1,143.00 |
| Monroe | $1,158.00 |
| Montreat | $1,006.00 |
| Mooresboro | $1,019.00 |
| Mooresville | $1,110.00 |
| Moravian Falls | $1,096.00 |
| Morehead City | $8,150.00 |
| Morganton | $902.00 |
| Morrisville | $1,269.00 |
| Morven | $1,364.00 |
| Mount Airy | $1,044.00 |
| Mount Gilead | $1,294.00 |
| Mount Holly | $1,059.00 |
| Mount Mourne | $1,244.00 |
| Mount Olive | $2,016.00 |
| Mount Pleasant | $1,063.00 |
| Mount Ulla | $1,167.00 |
| Mountain Home | $902.00 |
| Mountain View | $894.00 |
| Moyock | $3,388.00 |
| Mulberry | $1,097.00 |
| Murfreesboro | $1,467.00 |
| Murphy | $858.00 |
| Murraysville | $6,861.00 |
| Myrtle Grove | $9,051.00 |
| Nags Head | $7,023.00 |
| Nakina | $2,741.00 |
| Naples | $1,010.00 |
| Nashville | $1,428.00 |
| Nebo | $878.00 |
| Neuse Forest | $3,086.00 |
| New Bern | $3,257.00 |
| New Hill | $1,207.00 |
| New London | $1,184.00 |
| Newell | $1,282.00 |
| Newland | $955.00 |
| Newport | $6,798.00 |
| Newton | $893.00 |
| Newton Grove | $1,750.00 |
| Norlina | $1,052.00 |
| Norman | $1,458.00 |
| North Topsail Beach | $8,284.00 |
| North Wilkesboro | $1,097.00 |
| Northchase | $6,862.00 |
| Northlakes | $906.00 |
| Norwood | $1,129.00 |
| Oak City | $1,951.00 |
| Oak Island | $6,519.00 |
| Oak Ridge | $1,049.00 |
| Oakboro | $1,128.00 |
| Ocean Isle Beach | $7,941.00 |
| Ocracoke | $7,559.00 |
| Ogden | $9,042.00 |
| Old Fort | $878.00 |
| Olin | $1,124.00 |
| Olivia | $1,521.00 |
| Oriental | $4,112.00 |
| Orrum | $2,123.00 |
| Otto | $867.00 |
| Oxford | $1,038.00 |
| Pantego | $3,208.00 |
| Parkton | $1,914.00 |
| Parmele | $2,033.00 |
| Patterson Springs | $1,031.00 |
| Paw Creek | $1,282.00 |
| Peachland | $1,361.00 |
| Pelham | $1,076.00 |
| Pembroke | $2,120.00 |
| Pendleton | $1,390.00 |
| Penland | $1,056.00 |
| Penrose | $976.00 |
| Pfafftown | $1,047.00 |
| Pikeville | $1,903.00 |
| Pilot Mountain | $1,045.00 |
| Pine Hall | $1,048.00 |
| Pine Knoll Shores | $9,512.00 |
| Pinebluff | $1,243.00 |
| Pinehurst | $1,242.00 |
| Pineola | $1,064.00 |
| Pinetops | $1,533.00 |
| Pinetown | $3,210.00 |
| Pineville | $1,161.00 |
| Piney Creek | $985.00 |
| Piney Green | $5,205.00 |
| Pink Hill | $2,105.00 |
| Pinnacle | $1,046.00 |
| Pisgah Forest | $976.00 |
| Pittsboro | $1,141.00 |
| Plain View | $1,893.00 |
| Pleasant Garden | $1,072.00 |
| Pleasant Hill | $1,242.00 |
| Plymouth | $3,075.00 |
| Point Harbor | $3,367.00 |
| Polkton | $1,362.00 |
| Polkville | $1,138.00 |
| Pollocksville | $3,167.00 |
| Pope Army Airfield | $1,700.00 |
| Poplar Branch | $3,367.00 |
| Porters Neck | $9,040.00 |
| Potecasi | $1,486.00 |
| Powells Point | $3,391.00 |
| Powellsville | $1,883.00 |
| Princeton | $1,470.00 |
| Princeville | $1,530.00 |
| Proctorville | $2,186.00 |
| Prospect Hill | $1,076.00 |
| Providence | $1,076.00 |
| Pumpkin Center | $5,205.00 |
| Purlear | $1,098.00 |
| Raeford | $1,403.00 |
| Raleigh | $1,269.00 |
| Ramseur | $1,096.00 |
| Randleman | $1,095.00 |
| Ranlo | $1,059.00 |
| Red Oak | $1,428.00 |
| Red Springs | $1,884.00 |
| Reidsville | $1,058.00 |
| Rennert | $2,125.00 |
| Research Triangle Park | $1,389.00 |
| Rex | $2,186.00 |
| Rhodhiss | $1,015.00 |
| Rich Square | $1,390.00 |
| Richfield | $1,095.00 |
| Richlands | $5,209.00 |
| Ridgecrest | $1,006.00 |
| Ridgeway | $1,167.00 |
| Riegelwood | $2,506.00 |
| River Bend | $3,085.00 |
| River Road | $3,200.00 |
| Roanoke Rapids | $1,400.00 |
| Roaring Gap | $985.00 |
| Roaring River | $1,096.00 |
| Robbins | $1,244.00 |
| Robbinsville | $859.00 |
| Robersonville | $1,950.00 |
| Rockfish | $1,405.00 |
| Rockingham | $1,362.00 |
| Rockwell | $1,058.00 |
| Rocky Mount | $1,457.00 |
| Rocky Point | $5,338.00 |
| Rodanthe | $3,897.00 |
| Roduco | $1,657.00 |
| Rolesville | $1,381.00 |
| Ronda | $1,097.00 |
| Roper | $3,075.00 |
| Rose Hill | $2,128.00 |
| Roseboro | $1,846.00 |
| Rosman | $1,084.00 |
| Rougemont | $1,142.00 |
| Rowland | $2,122.00 |
| Roxboro | $1,012.00 |
| Roxobel | $1,883.00 |
| Royal Pines | $897.00 |
| Ruffin | $1,065.00 |
| Rural Hall | $1,048.00 |
| Rutherford College | $902.00 |
| Rutherfordton | $1,012.00 |
| Salem | $902.00 |
| Salemburg | $1,895.00 |
| Salisbury | $1,060.00 |
| Salter Path | $6,800.00 |
| Saluda | $904.00 |
| Salvo | $3,897.00 |
| Sandy Ridge | $1,047.00 |
| Sanford | $1,292.00 |
| Sapphire | $1,084.00 |
| Sawmills | $905.00 |
| Saxapahaw | $1,185.00 |
| Scaly Mountain | $972.00 |
| Scotland Neck | $1,402.00 |
| Scotts | $1,244.00 |
| Scottville | $983.00 |
| Scranton | $4,137.00 |
| Sea Breeze | $6,865.00 |
| Seaboard | $1,388.00 |
| Seagrove | $1,146.00 |
| Sealevel | $6,596.00 |
| Sedalia | $1,171.00 |
| Selma | $1,469.00 |
| Semora | $1,046.00 |
| Seven Devils | $890.00 |
| Seven Lakes | $1,242.00 |
| Seven Springs | $1,983.00 |
| Severn | $1,486.00 |
| Shallotte | $6,525.00 |
| Shannon | $1,767.00 |
| Sharpsburg | $1,431.00 |
| Shawboro | $3,388.00 |
| Shelby | $1,030.00 |
| Sherrills Ford | $894.00 |
| Shiloh | $2,781.00 |
| Siler City | $1,131.00 |
| Siloam | $1,045.00 |
| Silver City | $1,404.00 |
| Silver Lake | $6,864.00 |
| Simpson | $2,024.00 |
| Sims | $1,515.00 |
| Skippers Corner | $5,930.00 |
| Skyland | $1,006.00 |
| Smithfield | $1,469.00 |
| Smyrna | $6,805.00 |
| Sneads Ferry | $7,023.00 |
| Snow Camp | $1,062.00 |
| Snow Hill | $1,926.00 |
| Sophia | $1,097.00 |
| South Henderson | $1,033.00 |
| South Mills | $2,783.00 |
| South Rosemary | $1,402.00 |
| Southern Pines | $1,242.00 |
| Southern Shores | $7,038.00 |
| Southmont | $1,061.00 |
| Southport | $6,524.00 |
| Sparta | $879.00 |
| Speed | $1,634.00 |
| Spencer | $1,061.00 |
| Spindale | $1,011.00 |
| Spring Hope | $1,425.00 |
| Spring Lake | $1,565.00 |
| Spruce Pine | $949.00 |
| St. Helena | $5,339.00 |
| St. James | $6,522.00 |
| St. Pauls | $2,200.00 |
| St. Stephens | $893.00 |
| Stacy | $6,596.00 |
| Staley | $1,096.00 |
| Stallings | $1,158.00 |
| Stanfield | $1,128.00 |
| Stanley | $1,045.00 |
| Stantonsburg | $1,716.00 |
| Star | $1,293.00 |
| State Road | $1,062.00 |
| Statesville | $1,122.00 |
| Stedman | $1,701.00 |
| Stella | $5,575.00 |
| Stem | $1,039.00 |
| Stokes | $1,941.00 |
| Stokesdale | $1,052.00 |
| Stoneville | $1,054.00 |
| Stony Point | $1,124.00 |
| Stovall | $1,154.00 |
| Stumpy Point | $3,897.00 |
| Sugar Grove | $996.00 |
| Sugar Mountain | $955.00 |
| Summerfield | $1,050.00 |
| Sunbury | $1,560.00 |
| Sunset Beach | $6,527.00 |
| Supply | $6,521.00 |
| Surf City | $8,404.00 |
| Swannanoa | $897.00 |
| Swanquarter | $4,168.00 |
| Swansboro | $7,229.00 |
| Swepsonville | $1,185.00 |
| Sylva | $869.00 |
| Tabor City | $2,744.00 |
| Tar Heel | $2,279.00 |
| Tarawa Terrace | $5,204.00 |
| Tarboro | $1,530.00 |
| Taylorsville | $1,127.00 |
| Teachey | $2,129.00 |
| Terrell | $895.00 |
| Thomasville | $1,080.00 |
| Thurmond | $1,071.00 |
| Tillery | $1,500.00 |
| Timberlake | $1,013.00 |
| Toast | $1,043.00 |
| Tobaccoville | $1,048.00 |
| Todd | $983.00 |
| Topsail Beach | $8,365.00 |
| Topton | $867.00 |
| Traphill | $1,096.00 |
| Trent Woods | $3,086.00 |
| Trenton | $3,171.00 |
| Trinity | $1,098.00 |
| Troutman | $1,120.00 |
| Troy | $1,293.00 |
| Tryon | $904.00 |
| Tuckasegee | $869.00 |
| Turkey | $1,892.00 |
| Tuxedo | $1,010.00 |
| Tyner | $2,882.00 |
| Tyro | $1,061.00 |
| Union Grove | $1,124.00 |
| Union Mills | $1,011.00 |
| Unionville | $1,158.00 |
| Valdese | $901.00 |
| Vale | $976.00 |
| Valle Crucis | $891.00 |
| Valley Hill | $902.00 |
| Vanceboro | $3,087.00 |
| Vandemere | $4,087.00 |
| Vass | $1,244.00 |
| Vaughan | $1,167.00 |
| Vilas | $891.00 |
| Waco | $1,138.00 |
| Wade | $1,784.00 |
| Wadesboro | $1,363.00 |
| Wagram | $1,468.00 |
| Wake Forest | $1,191.00 |
| Walkertown | $1,049.00 |
| Wallace | $2,126.00 |
| Wallburg | $1,060.00 |
| Walnut Cove | $1,049.00 |
| Walstonburg | $1,924.00 |
| Wanchese | $6,732.00 |
| Warne | $960.00 |
| Warrensville | $878.00 |
| Warrenton | $1,052.00 |
| Warsaw | $2,128.00 |
| Washington | $3,202.00 |
| Waves | $3,897.00 |
| Waxhaw | $1,160.00 |
| Waynesville | $959.00 |
| Weaverville | $897.00 |
| Weddington | $1,160.00 |
| Welcome | $1,062.00 |
| Weldon | $1,400.00 |
| Wendell | $1,318.00 |
| Wentworth | $1,054.00 |
| Wesley Chapel | $1,159.00 |
| West Canton | $957.00 |
| West End | $1,241.00 |
| West Jefferson | $878.00 |
| West Marion | $876.00 |
| Westfield | $1,047.00 |
| Westport | $1,016.00 |
| Whispering Pines | $1,242.00 |
| Whitakers | $1,479.00 |
| White Lake | $2,279.00 |
| White Oak | $2,278.00 |
| White Plains | $1,044.00 |
| Whiteville | $2,743.00 |
| Whitsett | $1,050.00 |
| Whittier | $870.00 |
| Wilkesboro | $1,096.00 |
| Willard | $5,342.00 |
| Williamston | $1,950.00 |
| Williston | $6,596.00 |
| Willow Spring | $1,333.00 |
| Wilmington | $7,394.00 |
| Wilson | $1,505.00 |
| Wilsons Mills | $1,569.00 |
| Windsor | $1,802.00 |
| Winfall | $2,796.00 |
| Wingate | $1,159.00 |
| Winnabow | $5,354.00 |
| Winston-Salem | $1,052.00 |
| Winterville | $1,938.00 |
| Winton | $1,544.00 |
| Wise | $1,167.00 |
| Woodfin | $896.00 |
| Woodland | $1,390.00 |
| Woodlawn | $1,063.00 |
| Woodleaf | $1,063.00 |
| Wrightsboro | $6,241.00 |
| Wrightsville Beach | $8,171.00 |
| Yadkinville | $945.00 |
| Yanceyville | $1,076.00 |
| Youngsville | $1,417.00 |
| Zebulon | $1,396.00 |
| Zionville | $891.00 |
| Zirconia | $903.00 |
Home and auto insurance bundling in North Carolina
How can you decrease the cost of homeowners insurance in NC? The best way is to bundle your home and auto insurance policies in North Carolina. You can save around $55
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,478 | $1,423 | $55 | 3.7% |
Home Insurance Discounts in North Carolina
Using the discounts offered by your insurer can lower your cost of homeowner insurance in North Carolina. These are some of the typical discounts that major insurers offer in North Carolina.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | - |
Comparing Common Features Across Top Companies
Your insurer's features are one factor you should always check while buying homeowners insurance in NC. The following are some features that insurance companies offer in the state.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
Common Causes of Home Insurance Claims in North Carolina
Parts of North Carolina get frequently hit by hailstorms, tornadoes, and other windstorms, in addition to the threat of hurricanes and tropical storms. As a result, there may frequently be broken power lines and hail damage in certain areas of the state. The most frequent losses that cause home insurance claims in NC are the following.
- Wind and hail: The damage is brought on by extreme weather conditions that aren't labeled as hurricanes or tropical storms. In North Carolina, the storm season normally lasts from June to November, providing a sizable window for potential damage.
- Hurricane wind and flooding: Storms labeled as either tropical storms or hurricanes can produce this type of damage. According to FEMA's Declared Disasters Tracker, these weather patterns have been a moderate hazard in North Carolina over the past few years, with one disaster declared in 2021 and four in 2020.
- Lightning and fire: Although these claims are frequent, they can be expensive. Structures are typically damaged when there are fires, and firefighters' water damage can also be a problem. In addition, a home's complete electrical system can sustain damage and be set on fire by lightning strikes.
Natural disaster coverage in North Carolina
Does homeowners insurance cover hurricanes in North Carolina?
Insurance companies are still hesitant to assume the entire risk of hurricanes as a whole because they can result in terrible destruction and destroy structures. However, living in North Carolina may put you at a higher risk of experiencing hurricane damage. In North Carolina, around 32,282 single-family homes are particularly susceptible to storm damage.
Suppose you reside in an area that is at high risk for storms. In that case, your insurer may need you to have a separate hurricane deductible depending on where you are.
| Insurer | Average annual rate with a hurricane deductible |
|---|---|
| Nationwide | $599 |
| North Carolina Farm Bureau | $815 |
| Liberty Mutual | $817 |
| USAA | $854 |
| Erie | $1,046 |
Does homeowners insurance cover flooding in North Carolina?
Homeowners insurance in NC does not provide coverage for damage brought on by flooding. Instead, you can buy flood insurance via the National Flood Insurance Program (NFIP) of FEMA or a private insurance provider to protect your home from flood damage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in North Carolina
Are you planning to buy the best homeowners insurance in NC? Then consider these factors before buying one.
- Your location: Be ready to pay higher premiums for homeowners insurance in NC if your house is in an area with having high crime rate.
- Replacement cost: Your neighborhood's construction materials and labor rate will affect the insurance costs.
- Age/condition: The cost of home insurance in NC for newer homes are less than the older ones.
- Claims history: Homeowners with a history of filing frequent claims on their insurance pay higher premiums in the state.
- Credit history: Insurers also consider your credit score. Ideally, homeowners with bad credit pay higher premiums.
- Dog breed: You must pay a higher insurance premium if you have a dog that your insurer considers a 'dangerous breed.'
Tips for Buying Homeowners Insurance
Are you looking to buy cheap homeowners insurance in NC? Then try to follow these tips.
- Assess your rebuilding costs: Ask your insurance agent or a reputable builder how much it will cost to rebuild your home with inexpensive materials and local labor.
- Review the advantage of replacement cost over actual cash value: Try buying replacement cost insurance for your house and personal property.
- Consider add-on coverage for your expensive items: Personal property coverage may be necessary if you have expensive possessions like high-end gadgets, sporting equipment, musical instruments, or even antiquities.
- Evaluate your liability coverage needs: Determine the amount of liability insurance you need.
- Assess coverage gaps: A few home insurance companies provide extra perks like increased coverage limits for landscape items like trees and bushes.
- Check financial ratings: Organizations like AM Best and Standard & Poor's may have insurance ratings of all home insurers. For instance, some organizations won't let you qualify for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Ask for discounts: Ensure you're taking advantage of your insurer's discounts.
- Compare quotes from multiple insurance companies: A single North Carolina home insurance policy rate can differ between insurance providers. So get quotes, compare, and buy cheap homeowners insurance in NC.
Most Common Disasters in North Carolina
The most common disasters in NC are hurricanes, severe storms, and flooding.
Disasters by month
According to FEMA, September is the busiest month for declared disasters and the peak hurricane season in North Carolina. Since 1953, there have been 20 declared disasters in September.
| Month | Number of disasters |
|---|---|
| January | 4 |
| February | 3 |
| March | 10 |
| April | 3 |
| May | 4 |
| June | 2 |
| July | 2 |
| August | 6 |
| September | 20 |
| October | 11 |
| November | 3 |
| December | 2 |
Disasters by year
According to FEMA, the state residents have had two disasters annually since 2000, but recent years have been busier than others. There have been ten declared disasters since the year 2018.
| Year | Number of disasters |
|---|---|
| 2001 | 0 |
| 2002 | 1 |
| 2003 | 2 |
| 2004 | 2 |
| 2005 | 3 |
| 2006 | 0 |
| 2007 | 0 |
| 2008 | 2 |
| 2009 | 0 |
| 2010 | 3 |
| 2011 | 4 |
| 2012 | 0 |
| 2013 | 3 |
| 2014 | 1 |
| 2015 | 0 |
| 2016 | 4 |
| 2017 | 0 |
| 2018 | 3 |
| 2019 | 3 |
| 2020 | 4 |
How to Get North Carolina Home Insurance with Way.com
A resident will always be trying to buy cheap homeowners insurance in NC. The annual average rate is lower than the national average. Still, many will be looking to find much more affordable insurance. But how can you get it?
That's where Way.com becomes your savior. Visit our website or app to obtain low-cost North Carolina home insurance rates. Visit Way, compare the quotes from all insurance companies, and buy the cheapest one. Additionally, our home insurance agents in North Carolina can help you. They will help you understand the state's home insurance rules, terms, discounts, and coverages.
So if you're trying to buy affordable homeowners insurance in NC, contact one of our agents.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
What is the cheapest homeowners insurance in North Carolina?
With a yearly average rate of $671, Safeco offers the cheapest homeowners insurance in NC.
Are hurricanes and tropical storms covered in my basic homeowners insurance policy?
No. You must buy an extra hurricane deductible in North Carolina for that coverage.
Does my homeowners policy include additional living expenses?
Most homeowners insurance policies will reimburse your additional living expenses (ALE) if a covered disaster damages your home and forces you to vacate it. In addition, the insurer will cover your expenditures for temporary accommodation.
How much does home insurance in North Carolina cost?
On average, home insurance in NC costs around $1,478 a year.
How can I lower my North Carolina homeowners insurance premium?
The best way is to get quotes from different insurers, compare, and buy the cheapest one. Also, you can use the various discounts your insurer offers.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
Get the App:
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