Popular Questions about North Carolina Home Insurance

The average annual cost of North Carolina homeowners insurance is $1,086, coming in less than the national figure of $1,211 per year. If you want to save money on your home coverage, speak with a local expert for custom quotes.

North Carolina homeowners insurance is essential in order to have proper protection. If your home sustains damage or is destroyed by fire or severe weather, you'll need home insurance that covers the costs. Each policy comes with standard limits for dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. Without it, you could face serious financial consequences. 

In North Carolina, there are no laws obligating you to carry homeowners insurance. However, if you have a mortgage or lender on your home, you'll be required to provide proof of coverage to get a loan. Since North Carolina had 1,379,438,000 home insurance claims paid in one year alone, the right policy should be considered to avoid financial devastation. 

Each state has numerous carriers that write homeowners coverage, so knowing which one is best can be tricky. In North Carolina, Safeco, Travelers, State Auto, and Progressive insurance companies are top-rated. When you work with one of these markets you'll get competitive coverage and excellent claims service.

In North Carolina, your primary homeowners insurance will come with wind and hail coverage automatically. Damage to your property from wind or hail will be insured up to the limits preselected by you and your agent.

Yes, North Carolina currently has 693 independent insurance agencies in operation. Each one has multiple markets that they compare your coverage with for free. This gives you better options on homeowners insurance rates through one agency, making it easy.

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Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Apex$981$309,2821.65
Asheville$1,006$251,3009.8
Burlington$556$128,9008.91
Cary$1,662$332,8002.1
Chapel Hill$1,860$421,1974.67
Charlotte$938$201,5008.95
Concord$692$113,7003.19
Durham$890$196,10012.34
Fayetteville$899$130,90024.65
Gastonia$674$140,1007.7
Goldsboro$675$133,28412.66
Greensboro$681$152,10023.69
Greenville$1,075$162,2008.1
Hickory$747$166,6578.82
High Point$660$147,6009.19
Huntersville$731$297,8041.78
Jacksonville$879$159,9005.65
Kannapolis$669$146,3134.55
Raleigh$1,234$242,5007.36
Rocky Mount$655$113,84311.43
Salisbury$679$121,25512.25
Statesville$747$146,16911.04
Wilmington$1,909$236,30013.43
Wilson$1,095$139,5089.53
Winston-Salem$680$144,50015.64