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North Carolina Home Insurance - What's Happening

There’s a reason why James Taylor had Carolina on his mind – because life in the Tar Heel State is pretty worry-free. Besides a few weather risks, North Carolinians are living easy – at least that’s what average home insurance rates reflect. In fact, average North Carolina home insurance quotes for the second quarter of 2014 totaled $672 – substantially less than the U.S. average of $829. Relatively low home insurance rates may have a direct relation to NC’s mostly mild weather.

The two main natural hazards to NC residents are hurricanes and severe thunderstorms; hurricanes, of course, affect the N.C. coast more than the mainland. Even though severe weather is relatively infrequent, it still happens. In 1989, for example, Hurricane Hugo downed trees as far into the state as Charlotte. So how should homeowners prepare for those not-so-perfect storms? Work with the licensed agents at HomeInsurance.com to find a North Carolina home insurance policy with great coverage.

Call HomeInsurance.com today to get your free insurance quote. If you can't call, get started on a quote by entering your ZIP code above.

Curious about car insurance? Click here to learn more about auto insurance in North Carolina.


North Carolina Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


A

Home Grade

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A

Property Grade

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B

Bonus Grade

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B

Overall Grade

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Home (Grades related to the house itself)

Homes in the Tar Heel state are newer than the national average. That makes them more appealing to insurance providers. However, those newer homes also are larger than the average across the country, making them more costly to insure. The state's homes make up in part for being larger by boasting lower building costs.

A+

Average year built

The average North Carolina home was built in 1995, which is 15 years newer than the national average. That scores major points with home insurers.

C

Average home size

On average, North Carolina homes are pretty big – 2,173 square feet to be exact.

A

Average replacement cost

Replacing your house after a total loss will cost an average of $270,137 in North Carolina.

B

% of homes with sump pump

Only 5% of NC homes have a sump pump.

Property (Factors related to the property and location)

The Tar Heel state scored fairly high in all three factors that go into this grade. The average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to North Carolina homeowners was $24,107 – below the national average.

North Carolina homeowners also fared well when it came to substantial risk factors outside the home. Only a little more than 3.1% own swimming pools, and next to none store all-terrain vehicles on their property – both potential insurance risks.

Bonus (Other factors that influence your home insurance premiums)

C

% of homes with fire extinguishers

89% of NC homes reported having fire extinguishers, which is a little under the U.S. average of 91%. Extinguishers can help prevent small fires from becoming big claims.

B

% of homes with dead bolt locks on exterior doors

96% of homes in the state deter burglars with these security bolstering locks.

B

% of homes with smoke detectors

99% of homes in the state have smoke detectors, another plus for fire safety.

A+

% of homes with security alarms

About 28% of homes report having security alarms, much higher than the national average of 19.7%.

Overall Grade - B (solid scores all around)

While a ‘B’ may not be the highest grade attainable, it’s still an indication of all around solid scores. North Carolina homeowners got high marks for having newer homes and avoiding risky property add-ons like swimming pools. North Carolinians also got points for having safety features in their homes. This Southern state got penalized for average home size, which was larger than the national average. Fire safety is another area of improvement for North Carolina.

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