North Carolina Home Insurance Quotes
4.5/5 stars Read Reviews
Call Us Now: Shopping for North Carolina home insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top-rated insurance providers in the country. It's the easiest way to know you're getting the best home insurance rates in North Carolina. We are now offering comparative rates on auto insurance too, which could save you even more.
Our team of licensed agents will shop for your North Carolina home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple NC insurance providers.
The average North Carolina Home insurance rate in April 2013 was $595.00. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard home insurance policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In North Carolina |
||||
| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $595.00 | $595.00 | $596.00 | $603.00 | $607.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Since average home insurance rates in North Carolina increased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Bundling your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings if you haven't filed any claims in the past, or if you've got additional home protection (fire and burglar alarms) for your North Carolina home.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting North Carolina home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your NC policy. They'll also get every available discount they can for you. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in North Carolina are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in North Carolina by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $820 | $659 | $753 | $299 | $317 |
| Premium with Auto Discount | $820 | $560† | $726 | $299 | $334 |
| Carrier | Safeco | Safeco | ASI | ASI | ASI |
| Zip | 28144 | 27253 | 27539 | 27545 | 27572 |
| Year Built | 1940 | 2002 | 1995 | 2008 | |
| Foundation type | Crawl Space | Crawl Space | Crawl Space | Crawl Space | |
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Gas | Central Electric | Central Electric |
Standard North Carolina Home Insurance Coverages
| A | Dwelling: A standard North Carolina homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard North Carolina home insurance policy |
| C | Contents/Personal Property: A North Carolina home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your North Carolina home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In North Carolina, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or North Carolina MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
North Carolina Homeowners Insurance News
-
Lack of contractors hindering some NC rebuilding effortsMonday, February 27, 2012
-
Midwest residents in nine states picking up after earthquakeThursday, February 23, 2012
-
North Carolina residents face approaching deadline to clean up property damageTuesday, February 21, 2012
-
NC officials having success fighting insurance fraudFriday, February 03, 2012
-
NFIP to reinspect some NC insurance claimsThursday, November 03, 2011
Other North Carolina Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other North Carolina homeowners.
- Visit the Homeowners Blog to read the latest news affecting North Carolina homeowners today!
Search for home insurance in your North Carolina county:
- Alamance
- Alexander
- Alleghany
- Anson
- Ashe
- Avery
- Beaufort
- Bertie
- Bladen
- Brunswick
- Buncombe
- Burke
- Cabarrus
- Caldwell
- Camden
- Carteret
- Caswell
- Catawba
- Chatham
- Cherokee
- Chowan
- Clay
- Cleveland
- Columbus
- Craven
- Cumberland
- Currituck
- Dare
- Davidson
- Davie
- Duplin
- Durham
- Edgecombe
- Forsyth
- Franklin
- Gaston
- Gates
- Graham
- Granville
- Greene
- Guilford
- Halifax
- Harnett
- Haywood
- Henderson
- Hertford
- Hoke
- Hyde
- Iredell
- Jackson
- Johnston
- Jones
- Lee
- Lenoir
- Lincoln
- Macon
- Madison
- Martin
- McDowell
- Mecklenburg
- Mitchell
- Montgomery
- Moore
- Nash
- New Hanover
- Northampton
- Onslow
- Orange
- Pamlico
- Pasquotank
- Pender
- Perquimans
- Person
- Pitt
- Polk
- Randolph
- Richmond
- Robeson
- Rockingham
- Rowan
- Rutherford
- Sampson
- Scotland
- Stanly
- Stokes
- Surry
- Swain
- Transylvania
- Tyrrell
- Union
- Vance
- Wake
- Warren
- Washington
- Watauga
- Wayne
- Wilkes
- Wilson
- Yadkin
- Yancey
Customer Reviews in North Carolina
For additional information about specific insurance laws in North Carolina, visit the North Carolina Department of Insurance website.
