Homeowners Insurance in North Carolina

Finding homeowners insurance doesn’t need to be confusing. Compare North Carolina rates by city and company below.

Get cheap homeowners insurance in North Carolina


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Homeowners insurance protects your home and your items in the event of a variety of circumstances, including fire, theft, vandalism, or wind damage.

Serious differences emerge in homeowners insurance costs from state to state. Homeowners rates by state may vary depending on the value and number of home policy claims made in that state, and also on the value of the belongings and structures covered by the policy.

The best way to find an affordable homeowners insurance policy in North Carolina is to view prices from as many companies as possible. Learn more about typical homeowners insurance rates in North Carolina by reviewing the below data. Remember: your rates may differ, depending on your coverage limits.


North Carolina home insurance:
  1. Homeowners rates by company
  2. Rates by city
  3. How to bundle home and auto insurance

Home insurance rates in North Carolina by company

Prices for home insurance in North Carolina differ depending on which insurance company you choose. Safeco offers the most affordable homeowners insurance in North Carolina — $659 per year. This compares favorably to the state mean rate of $1,794, providing a $1,135 price cut on the typical rates in the state.

Start your search for affordable coverage by checking out the cheapest North Carolina companies, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN NORTH CAROLINA
CompanyAverage Annual Rate in North Carolina
Safeco$658.99
North Carolina Farm Bureau$1,248.54
Liberty Mutual$1,296.90
State Farm$1,442.72
Nationwide$1,841.02

North Carolina home insurance by city

Home insurance rates in North Carolina vary depending on the city. Pricing depends on city-specific variables, such as the likelihood of weather-related claims in the area, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable home insurance rates in North Carolina are available in Asheville. A typical homeowners insurance term in Asheville totals just $1,006 per year — $788 less than the statewide average. The below cities have the most affordable homeowners insurance in North Carolina.


AFFORDABLE HOME INSURANCE CITIES IN NORTH CAROLINA
CityAverage Annual Home Insurance Rate
Asheville$1,005.63
Hickory$1,038.20
Greensboro$1,134.87
Chapel Hill$1,141.13
Burlington$1,149.27

How to save: bundle home and auto insurance in North Carolina

If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. Bundling auto and homeowners insurance in North Carolina can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in North Carolina may generate yearly savings of $55.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN NORTH CAROLINA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$939.00$884.00$55.006%

You can save money on insurance by bundling your home and auto policies. Get started today!


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