Finding competitive, low cost homeowners insurance quotes in North Carolina does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive North Carolina home insurance coverage. Rest assured knowing our team of North Carolina licensed insurance consultants are standing by to give you top notch advice on home owners insurance coverages and rates in your area.
The average North Carolina home insurance rate in September 2009 was $533.00. It appears that rates have decreased since August 2009 when average rates in North Carolina were around $538.00.
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on your North Carolina homeowners insurance. Be sure to review your home insurance policy with your local North Carolina insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your North Carolina home insurance policy to be sure you are still getting the coverage you need for your home and family.
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. |
Other North Carolina Homeowners Resources:
- Home Insurance Quiz- How much do you know about your North Carolina home insurance policy? Quiz yourself!
- homeowner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in North Carolina
- North Carolina Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your North Carolina county:
- Yancey
- Yadkin
- Wilson
- Wilkes
- Wayne
- Watauga
- Washington
- Warren
- Wake
- Vance
- Union
- Tyrrell
- Transylvania
- Swain
- Surry
- Stokes
- Stanly
- Scotland
- Sampson
- Rutherford
- Rowan
- Rockingham
- Robeson
- Richmond
- Randolph
- Polk
- Pitt
- Person
- Perquimans
- Pender
- Pasquotank
- Pamlico
- Orange
- Onslow
- Northampton
- New Hanover
- Nash
- Moore
- Montgomery
- Mitchell
- Mecklenburg
- Mcdowell
- Martin
- Madison
- Macon
- Lincoln
- Lenoir
- Lee
- Jones
- Johnston
- Jackson
- Iredell
- Hyde
- Hoke
- Hertford
- Henderson
- Haywood
- Harnett
- Halifax
- Guilford
- Greene
- Granville
- Graham
- Gates
- Gaston
- Franklin
- Forsyth
- Edgecombe
- Durham
- Duplin
- Davie
- Davidson
- Dare
- Currituck
- Cumberland
- Craven
- Columbus
- Cleveland
- Clay
- Chowan
- Cherokee
- Chatham
- Catawba
- Caswell
- Carteret
- Camden
- Caldwell
- Cabarrus
- Burke
- Buncombe
- Brunswick
- Bladen
- Bertie
- Beaufort
- Avery
- Ashe
- Anson
- Alleghany
- Alexander
- Alamance
For additional information about specific insurance laws in North Carolina, visit the North Carolina Department of Insurance website.
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