NC Homeowners Insurance Quotes

Our agents specialize in helping North Carolina homeowners find the best home insurance available. We have over 30 different carriers we represent for the state of North Carolina including wind and hail, flood and earthquake coverage options. We recognize that every home and family is different, that's why we like to help each and every homeowner find the right homeowners policy for the best price. We help you explore options, help you decide what is best and our long list of home insurance companies we represent helps provide a rate comparison to review the final policy details.

Homeowners insurance in North Carolina can be considered a difficult insurance market in some areas. Coastal and beach territories see larger increases than inland counties. Shopping smart and tailoring coverage are more important than ever.

What’s Happening with NC Rates

Statewide base-rate increases were negotiated and applied in stages in recent years. Coastal territories generally face higher increases due to hurricane and flood risk. Expect substantial county-by-county differences.

Practical Steps to Get Affordable Homeowners Insurance

1. Shop every year — get 3–5 competitive quotes from independent agents and direct carriers.
2. Compare apples-to-apples coverage — check dwelling limit, replacement cost vs actual cash value, deductible structure (including hurricane deductibles), liability limits, and endorsements (wind/hail, sewer backup, ordinance & law).
3. Bundle policies — bundling home and auto usually yields discounts.
4. Raise your deductible (carefully) — a higher deductible lowers premium but increases out-of-pocket cost for claims.
5. Fix or mitigate risk drivers — replace old roofs, install storm-rated windows/doors, add monitored security or water-shutoff devices to earn credits.
6. Check company appetite — some insurers avoid coastal/high-risk ZIPs or restrict new business there.
7. Use a local independent agent — they can access regional carriers and specialty markets that online aggregators may not show.
8. Document improvements and claims history — receipts, photos, and a clean claims history help secure better rates.
9. Ask about all discounts — roof credits, mitigation, multi-policy, loyalty or new-customer credits.
10. If denied or nonrenewed — appeal, contact the NC Department of Insurance, or ask your agent for alternatives.

Best NC Companies for Homeowners Insurance

Below are two useful perspectives — value and service/ratings. Start with 1–2 carriers from each list when getting quotes.

Top 5 for Value and Price

• State Farm
• Allstate
• NC Farm Bureau (regional)
• USAA (if eligible)
• Nationwide / regional mutuals

Top 5 for Claims Services & Ratings

• Amica
• Chubb
• Cincinnati Insurance
• Erie
• USAA (if eligible)

Average Home Insurance by County

These sample averages illustrate the coastal vs inland gap. They are representative figures; actual premiums vary by ZIP, dwelling, and chosen coverage.

Top 25 Cities We Serve For Homeowners Insurance