Best North Carolina Homeowners Insurance for 2026
State Farm is our pick for best home insurance in NC overall, but Nationwide may have better coverage options
- State Farm has North Carolina’s best homeowners insurance with low rates and flexible coverage options.
- Home insurance costs an average of $2,874 a year in North Carolina.
- North Carolina home insurance rates have gone up by more than 50% since 2021.
- Damage from extreme weather events is blamed for the increases.
Best North Carolina homeowners insurance
State Farm, Nationwide and North Carolina Farm Bureau are North Carolina’s best homeowners insurance companies. State Farm’s cheapest rates and flexible coverage options make it the best overall.
Nationwide has the best policy features, and North Carolina Farm Bureau has the best customer service. Farm Bureau has an excellent complaint rating from the National Association of Insurance Commissioners (NAIC)
Best overall: State Farm
Average annual rate: $876
Why we chose it: State Farm has the state’s cheapest home insurance and flexible coverage options. It also offers cheap car insurance in North Carolina, making it a good deal for bundling
Who it’s best for: State Farm is best for most homeowners. Low rates never go out of fashion. Its add-on protections for water backups
PROS
- Cheapest home insurance in North Carolina
- Customizable add-on protections
- Low car insurance rates make it good for bundlers
CONS
- Bad NAIC complaint score
Best coverage options: Nationwide
Average annual rate: $3,090
Why we chose it: Nationwide offers a few more home protections and discounts than other companies. This includes add-on coverage to strengthen your roof after a disaster. Its discounts for recent homebuyers, renovated homes and homes in gated communities can make its rates more affordable.
Who it’s best for: Nationwide is best for forever homes. Nationwide’s dwelling replacement
PROS
- Extra dwelling coverage protects you from being uninsured
- Coverage available to make a damaged roof stronger
- Several discounts can make it more affordable
CONS
- More expensive than other companies
- More complaints than average
Best customer service: Farm Bureau
Average annual rate: $1,985
Why we chose it: Farm Bureau’s excellent complaint rating means it’s usually fair and prompt with claims payments.
Who it’s best for: Farm Bureau is best for personalized service. Farm Bureau agents are available in most parts of the state. The company doesn’t offer online quotes, but you can use its website to pay your bill, start claims and manage your coverage.
You have to join the Farm Bureau to get its insurance, but membership only costs $25 a year. The organization also offers insurance for farms and other businesses, as well as health insurance.
PROS
- Excellent customer service from local agents
- Home insurance rates are 31% less than the state average
- The Farm Bureau supports farmers and ranchers
CONS
- Not as cheap as State Farm
- Doesn’t offer quotes online
Compare NC home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $876 | 4/5 | 1.4 |
 | Farm Bureau | $1,985 | 4/5 | 0.4 |
 | Allstate | $3,016 | 4/5 | 1.2 |
| Nationwide | $3,090 | 3.5/5 | 1.2 |
 | Auto-Owners | $4,996 | 4/5 | 0.5 |
 | USAA** | $3,278 | 4/5 | 0.5 |
Each company’s rates vary by customer. That’s why you should compare homeowners insurance quotes from a few companies to get the best rate.
LendingTree analyzed thousands of quotes from top insurers across North Carolina to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in North Carolina?
Home insurance costs an average of $2,874 a year in North Carolina, or $240 a month.
This is 9% higher than the national average of $219 a month.
Average home insurance rates by dwelling coverage amount
The actual price you pay depends on factors like your home’s age, location and construction features. The amount of coverage you need also affects your home insurance rate.
For example, it only costs $2,293 per year to insure a $300,000 home. This is 20% cheaper than the rate for a $400,000 policy. You usually have to insure your home at its replacement value. The limit for your policy’s dwelling coverage
NC home insurance rates by dwelling limits
| Company | $300,000 | $400,00 | $550,000 | $750,000 |
|---|---|---|---|---|
| Nationwide | $2,433 | $3,090 | $4,164 | $5,836 |
| Farm Bureau | $1,608 | $1,985 | $2,551 | $3,307 |
| State Farm | $745 | $876 | $1,070 | $1,384 |
| Average | $2,293 | $2,874 | $3,730 | $4,911 |
Most insurance companies can help you estimate your home’s replacement value, based on factors like your home’s:
- Age and building materials
- Foundation and roof styles
- Living area and number of stories
- Flooring, cabinet and countertop materials
- Garage type
You can find many of these details by looking up your home on your county assessor’s website. Your inspection report usually also includes information like this.
North Carolina home insurance rates by city
The threat of severe weather has pushed up home insurance rates to high levels in North Carolina’s coastal and beach areas. For example, home insurance costs more than $13,000 a year in Topsail Beach, Bald Head Island and Holden Beach.
Policies that exclude wind and hail coverage are usually cheaper in these areas. However, you have to buy windstorm insurance separately if your policy excludes wind and hail damage.
Meanwhile, the Yancey County town of Burnsville has North Carolina’s cheapest home insurance at $1,620 a year. Home insurance costs $2,071 per year in Charlotte, or 28% less than the state average. Raleigh homeowners pay an average of $2,258 a year.
| City | Annual rate |
|---|---|
| Aberdeen | $2,398 |
| Advance | $1,921 |
| Ahoskie | $2,738 |
| Alamance | $2,186 |
| Albemarle | $2,046 |
| Albertson | $3,576 |
| Alexander | $1,664 |
| Alexis | $2,319 |
| Alliance | $5,064 |
| Almond | $1,767 |
| Altamahaw | $1,977 |
| Andrews | $1,695 |
| Angier | $2,597 |
| Ansonville | $2,504 |
| Apex | $2,229 |
| Arapahoe | $5,079 |
| Ararat | $1,851 |
| Archdale | $2,106 |
| Archer Lodge | $2,504 |
| Arden | $1,674 |
| Ash | $5,953 |
| Asheboro | $2,104 |
| Asheville | $1,680 |
| Atkinson | $6,286 |
| Atlantic | $9,941 |
| Atlantic Beach | $13,313 |
| Aulander | $2,810 |
| Aurora | $4,675 |
| Autryville | $3,078 |
| Avery Creek | $1,663 |
| Avon | $9,183 |
| Ayden | $3,165 |
| Aydlett | $5,546 |
| Badin | $2,048 |
| Bahama | $2,129 |
| Bailey | $2,388 |
| Bakersville | $1,847 |
| Bald Head Island | $13,466 |
| Balfour | $1,690 |
| Balsam | $1,907 |
| Balsam Grove | $1,920 |
| Banner Elk | $1,674 |
| Barco | $5,546 |
| Barium Springs | $2,234 |
| Barker Heights | $1,690 |
| Barnardsville | $1,662 |
| Barnesville | $3,546 |
| Bat Cave | $1,906 |
| Bath | $4,672 |
| Battleboro | $2,474 |
| Bayboro | $5,072 |
| Bayshore | $9,090 |
| Bear Creek | $2,089 |
| Beaufort | $9,213 |
| Beech Mountain | $1,691 |
| Belews Creek | $1,824 |
| Belhaven | $4,678 |
| Bell Arthur | $3,140 |
| Bellarthur | $3,275 |
| Belmont | $2,108 |
| Belvidere | $4,802 |
| Belville | $5,949 |
| Belwood | $2,024 |
| Bennett | $2,090 |
| Benson | $2,505 |
| Bent Creek | $1,661 |
| Bermuda Run | $1,918 |
| Bessemer City | $2,112 |
| Bethel | $3,141 |
| Bethlehem | $1,988 |
| Beulaville | $3,577 |
| Biltmore Forest | $1,664 |
| Biscoe | $2,328 |
| Black Mountain | $1,664 |
| Bladenboro | $3,697 |
| Blanch | $2,093 |
| Blounts Creek | $4,668 |
| Blowing Rock | $1,690 |
| Bogue | $11,003 |
| Boiling Spring Lakes | $8,249 |
| Boiling Springs | $2,022 |
| Bolivia | $8,257 |
| Bolton | $4,297 |
| Bonlee | $2,293 |
| Boomer | $1,875 |
| Boone | $1,719 |
| Boonville | $1,845 |
| Bostic | $1,957 |
| Bowmore | $2,832 |
| Brasstown | $1,665 |
| Brevard | $1,707 |
| Bridgeton | $4,969 |
| Broad Creek | $11,134 |
| Broadway | $2,586 |
| Brogden | $3,282 |
| Browns Summit | $1,870 |
| Brunswick | $4,362 |
| Bryson City | $1,652 |
| Buies Creek | $2,690 |
| Bullock | $2,006 |
| Bunn | $2,422 |
| Bunnlevel | $2,696 |
| Burgaw | $6,279 |
| Burlington | $1,967 |
| Burnsville | $1,620 |
| Butner | $1,954 |
| Buxton | $6,116 |
| Bynum | $2,293 |
| Calabash | $8,251 |
| Calypso | $3,571 |
| Camden | $4,764 |
| Cameron | $2,599 |
| Camp Lejeune | $6,040 |
| Candler | $1,661 |
| Candor | $2,329 |
| Canton | $1,631 |
| Cape Carteret | $11,102 |
| Caroleen | $2,163 |
| Carolina Beach | $10,581 |
| Carolina Shores | $8,252 |
| Carrboro | $2,049 |
| Carthage | $2,400 |
| Cary | $2,251 |
| Casar | $2,023 |
| Cashiers | $1,695 |
| Castalia | $2,403 |
| Castle Hayne | $6,807 |
| Caswell Beach | $10,649 |
| Catawba | $1,806 |
| Cedar Falls | $2,308 |
| Cedar Grove | $2,056 |
| Cedar Island | $8,223 |
| Cedar Mountain | $1,920 |
| Cedar Point | $8,602 |
| Cerro Gordo | $4,304 |
| Chadbourn | $4,304 |
| Chapel Hill | $2,104 |
| Charlotte | $2,071 |
| Cherokee | $1,673 |
| Cherry Point | $4,907 |
| Cherryville | $2,067 |
| China Grove | $2,098 |
| Chinquapin | $3,574 |
| Chocowinity | $4,661 |
| Claremont | $1,803 |
| Clarendon | $4,306 |
| Clarkton | $3,821 |
| Clayton | $2,538 |
| Clemmons | $1,876 |
| Cleveland | $2,070 |
| Cliffside | $1,958 |
| Climax | $2,105 |
| Clinton | $3,145 |
| Clyde | $1,632 |
| Coats | $2,692 |
| Cofield | $2,670 |
| Coinjock | $5,532 |
| Colerain | $2,946 |
| Colfax | $1,869 |
| Collettsville | $1,727 |
| Columbia | $4,469 |
| Columbus | $1,764 |
| Comfort | $5,269 |
| Como | $2,670 |
| Concord | $2,088 |
| Conetoe | $2,734 |
| Connelly Springs | $1,798 |
| Conover | $1,803 |
| Conway | $2,318 |
| Cooleemee | $1,924 |
| Corapeake | $2,563 |
| Cordova | $2,422 |
| Cornelius | $2,031 |
| Corolla | $5,683 |
| Council | $3,704 |
| Cove City | $4,901 |
| Cove Creek | $1,692 |
| Cramerton | $2,109 |
| Creedmoor | $1,954 |
| Creston | $1,714 |
| Creswell | $4,789 |
| Cricket | $2,024 |
| Crossnore | $1,866 |
| Crouse | $2,089 |
| Crumpler | $1,714 |
| Culberson | $1,909 |
| Cullowhee | $1,694 |
| Cumberland | $3,078 |
| Cumnock | $2,559 |
| Currie | $6,286 |
| Currituck | $5,532 |
| Dallas | $2,110 |
| Dana | $1,690 |
| Danbury | $1,789 |
| Davidson | $2,119 |
| Davis | $9,950 |
| Deep Gap | $1,690 |
| Deep Run | $3,493 |
| Delco | $4,295 |
| Denton | $2,102 |
| Denver | $2,065 |
| Dillsboro | $1,907 |
| Dobbins Heights | $2,417 |
| Dobson | $1,849 |
| Dortches | $2,388 |
| Dover | $5,054 |
| Drexel | $1,795 |
| Dublin | $3,811 |
| Duck | $8,925 |
| Dudley | $3,281 |
| Dunn | $2,860 |
| Durants Neck | $4,872 |
| Durham | $2,165 |
| Eagle Springs | $2,396 |
| Earl | $2,228 |
| East Bend | $1,845 |
| East Flat Rock | $1,690 |
| East Rockingham | $2,419 |
| East Spencer | $2,102 |
| Eastover | $2,931 |
| Eden | $1,869 |
| Edenton | $4,742 |
| Edneyville | $1,689 |
| Edward | $4,732 |
| Efland | $2,052 |
| Elizabeth City | $5,005 |
| Elizabethtown | $3,694 |
| Elk Park | $1,657 |
| Elkin | $1,849 |
| Ellenboro | $1,955 |
| Ellerbe | $2,415 |
| Elm City | $2,552 |
| Elon | $1,952 |
| Elroy | $3,281 |
| Emerald Isle | $13,293 |
| Enfield | $2,255 |
| Engelhard | $5,341 |
| Enka | $1,882 |
| Ennice | $1,682 |
| Enochville | $2,095 |
| Ernul | $4,969 |
| Erwin | $2,693 |
| Ether | $2,520 |
| Etowah | $1,691 |
| Eure | $2,568 |
| Everetts | $3,224 |
| Evergreen | $4,300 |
| Fair Bluff | $4,300 |
| Fairfield | $5,341 |
| Fairfield Harbour | $4,904 |
| Fairmont | $3,430 |
| Fairplains | $2,021 |
| Fairview | $1,931 |
| Faison | $3,359 |
| Faith | $2,101 |
| Falcon | $3,078 |
| Fallston | $2,228 |
| Farmville | $3,143 |
| Fayetteville | $2,930 |
| Fearrington Village | $2,084 |
| Ferguson | $2,022 |
| Flat Rock | $1,731 |
| Fleetwood | $1,713 |
| Fletcher | $1,678 |
| Fontana Dam | $1,881 |
| Forest City | $1,954 |
| Forest Oaks | $1,868 |
| Fort Bragg | $2,928 |
| Fort Liberty | $3,078 |
| Foscoe | $1,691 |
| Fountain | $3,143 |
| Four Oaks | $2,506 |
| Foxfire | $2,398 |
| Franklin | $1,694 |
| Franklinton | $2,186 |
| Franklinville | $2,103 |
| Fremont | $3,279 |
| Frisco | $9,065 |
| Fruitland | $1,691 |
| Fuquay-Varina | $2,466 |
| Gamewell | $1,725 |
| Garland | $3,421 |
| Garner | $2,290 |
| Garysburg | $2,313 |
| Gaston | $2,313 |
| Gastonia | $2,108 |
| Gates | $2,565 |
| Gatesville | $2,564 |
| Germanton | $1,809 |
| Gerton | $1,906 |
| Gibson | $2,720 |
| Gibsonville | $1,896 |
| Glade Valley | $1,683 |
| Glen Alpine | $1,798 |
| Glen Raven | $1,972 |
| Glendale Springs | $1,925 |
| Glenville | $1,907 |
| Gloucester | $8,621 |
| Godwin | $3,038 |
| Gold Hill | $2,102 |
| Goldsboro | $3,294 |
| Goldston | $2,090 |
| Graham | $1,973 |
| Grandy | $5,560 |
| Granite Falls | $1,725 |
| Granite Quarry | $2,101 |
| Grantsboro | $5,065 |
| Grassy Creek | $1,714 |
| Green Level | $1,973 |
| Green Mountain | $1,735 |
| Greenevers | $3,574 |
| Greensboro | $1,878 |
| Greenville | $3,138 |
| Grifton | $3,313 |
| Grimesland | $3,143 |
| Grover | $2,020 |
| Half Moon | $5,884 |
| Halifax | $2,259 |
| Hallsboro | $4,306 |
| Hamilton | $3,091 |
| Hamlet | $2,418 |
| Hampstead | $10,226 |
| Hamptonville | $1,892 |
| Harbinger | $5,532 |
| Harkers Island | $10,348 |
| Harmony | $2,029 |
| Harrells | $3,424 |
| Harrellsville | $2,669 |
| Harrisburg | $2,091 |
| Hassell | $3,224 |
| Hatteras | $9,105 |
| Havelock | $4,908 |
| Haw River | $1,975 |
| Hayesville | $1,635 |
| Hays | $2,025 |
| Hazelwood | $1,847 |
| Henderson | $2,006 |
| Hendersonville | $1,690 |
| Henrico | $2,313 |
| Henrietta | $1,957 |
| Hertford | $4,800 |
| Hickory | $1,802 |
| Hiddenite | $1,990 |
| High Point | $1,937 |
| Highfalls | $2,593 |
| Highlands | $1,694 |
| Hildebran | $1,797 |
| Hillsborough | $2,067 |
| Hobbsville | $2,562 |
| Hobgood | $2,262 |
| Hobucken | $5,048 |
| Hoffman | $2,413 |
| Holden Beach | $13,460 |
| Hollister | $2,254 |
| Holly Ridge | $9,932 |
| Holly Springs | $2,242 |
| Hookerton | $3,266 |
| Hope Mills | $2,932 |
| Horse Shoe | $1,692 |
| Hot Springs | $1,687 |
| Hubert | $8,338 |
| Hudson | $1,726 |
| Huntersville | $2,031 |
| Hurdle Mills | $1,915 |
| Icard | $1,798 |
| Indian Trail | $2,060 |
| Iron Station | $2,062 |
| Ivanhoe | $3,151 |
| Jaars | $2,067 |
| Jackson | $2,317 |
| Jackson Heights | $3,490 |
| Jackson Springs | $2,593 |
| Jacksonville | $5,885 |
| James City | $4,908 |
| Jamestown | $1,869 |
| Jamesville | $3,092 |
| Jarvisburg | $5,569 |
| Jefferson | $1,714 |
| Jonas Ridge | $2,014 |
| Jonesville | $1,844 |
| Julian | $1,872 |
| Kannapolis | $2,090 |
| Keener | $3,145 |
| Kelford | $2,949 |
| Kelly | $3,700 |
| Kenansville | $3,575 |
| Kenly | $2,548 |
| Kernersville | $1,824 |
| Kill Devil Hills | $10,366 |
| King | $1,789 |
| Kings Grant | $9,089 |
| Kings Mountain | $2,065 |
| Kingstown | $2,023 |
| Kinston | $3,489 |
| Kipling | $2,857 |
| Kittrell | $2,126 |
| Kitty Hawk | $10,276 |
| Knightdale | $2,248 |
| Knotts Island | $5,684 |
| Kure Beach | $7,002 |
| La Grange | $3,389 |
| Lake Junaluska | $1,632 |
| Lake Lure | $1,952 |
| Lake Norman of Catawba | $1,806 |
| Lake Park | $2,062 |
| Lake Royale | $2,418 |
| Lake Toxaway | $1,705 |
| Lake Waccamaw | $4,305 |
| Lakeview | $2,593 |
| Landis | $2,096 |
| Lansing | $1,714 |
| Lattimore | $2,228 |
| Laurel Hill | $2,720 |
| Laurel Park | $1,690 |
| Laurel Springs | $1,685 |
| Laurinburg | $2,722 |
| Lawndale | $2,024 |
| Lawsonville | $1,786 |
| Leasburg | $2,093 |
| Leicester | $1,664 |
| Leland | $5,947 |
| Lemon Springs | $2,559 |
| Lenoir | $1,726 |
| Lewiston Woodville | $3,078 |
| Lewisville | $1,826 |
| Lexington | $2,097 |
| Liberty | $1,983 |
| Light Oak | $2,022 |
| Lilesville | $2,506 |
| Lillington | $2,692 |
| Lincolnton | $2,075 |
| Linden | $2,774 |
| Linville Falls | $2,014 |
| Linwood | $2,094 |
| Little Switzerland | $1,943 |
| Littleton | $2,107 |
| Locust | $2,046 |
| Long View | $1,804 |
| Longwood | $5,952 |
| Louisburg | $2,418 |
| Lowell | $2,108 |
| Lowesville | $2,066 |
| Lowgap | $1,849 |
| Lowland | $5,048 |
| Lucama | $2,633 |
| Lumber Bridge | $3,136 |
| Lumberton | $3,433 |
| Lynn | $1,981 |
| MacClesfield | $2,569 |
| Macon | $1,956 |
| Madison | $1,849 |
| Maggie Valley | $1,633 |
| Magnolia | $3,432 |
| Maiden | $1,805 |
| Mamers | $2,691 |
| Manns Harbor | $6,153 |
| Manson | $1,981 |
| Manteo | $9,921 |
| Maple | $5,532 |
| Maple Hill | $6,307 |
| Mar-Mac | $3,282 |
| Marble | $1,696 |
| Margarettsville | $2,318 |
| Marietta | $3,546 |
| Marion | $1,725 |
| Mars Hill | $1,685 |
| Marshall | $1,685 |
| Marshallberg | $8,223 |
| Marshville | $2,064 |
| Marston | $2,605 |
| Marvin | $2,068 |
| Matthews | $2,045 |
| Maury | $3,266 |
| Maxton | $3,430 |
| Mayodan | $1,870 |
| Maysville | $5,541 |
| Mc Farlan | $2,691 |
| Mc Grady | $2,228 |
| McAdenville | $2,109 |
| McLeansville | $1,870 |
| Mccutcheon Field | $5,916 |
| Mebane | $1,971 |
| Merritt | $5,077 |
| Merry Hill | $2,947 |
| Micaville | $1,836 |
| Middlesex | $2,427 |
| Midland | $2,091 |
| Midway | $2,097 |
| Midway Park | $5,881 |
| Mill Spring | $1,826 |
| Millers Creek | $2,025 |
| Mills River | $1,692 |
| Milton | $1,893 |
| Mineral Springs | $2,067 |
| Mint Hill | $2,034 |
| Misenheimer | $2,049 |
| Mocksville | $1,922 |
| Moncure | $2,089 |
| Monroe | $2,062 |
| Montreat | $1,882 |
| Mooresboro | $1,979 |
| Mooresville | $2,037 |
| Moravian Falls | $2,022 |
| Morehead City | $9,837 |
| Morganton | $1,797 |
| Morrisville | $2,246 |
| Morven | $2,508 |
| Mount Airy | $1,848 |
| Mount Gilead | $2,332 |
| Mount Holly | $2,109 |
| Mount Mourne | $2,234 |
| Mount Olive | $3,428 |
| Mount Pleasant | $2,074 |
| Mount Ulla | $2,303 |
| Mountain Home | $1,691 |
| Mountain View | $1,805 |
| Moyock | $5,544 |
| Mulberry | $2,026 |
| Murfreesboro | $2,494 |
| Murphy | $1,697 |
| Murraysville | $9,090 |
| Myrtle Grove | $11,875 |
| Nags Head | $10,386 |
| Nakina | $4,302 |
| Naples | $1,906 |
| Nashville | $2,388 |
| Nebo | $1,726 |
| Neuse Forest | $4,913 |
| New Bern | $4,928 |
| New Hill | $2,169 |
| New London | $2,143 |
| Newell | $2,237 |
| Newland | $1,656 |
| Newport | $8,566 |
| Newton | $1,803 |
| Newton Grove | $2,930 |
| Norlina | $1,957 |
| Norman | $2,605 |
| North Topsail Beach | $11,724 |
| North Wilkesboro | $2,023 |
| Northchase | $9,091 |
| Northlakes | $1,726 |
| Norwood | $2,049 |
| Oak City | $3,091 |
| Oak Island | $10,622 |
| Oak Ridge | $1,868 |
| Oakboro | $2,046 |
| Ocean Isle Beach | $11,037 |
| Ocracoke | $10,567 |
| Ogden | $11,794 |
| Old Fort | $1,726 |
| Olin | $2,029 |
| Olivia | $2,857 |
| Oriental | $5,095 |
| Orrum | $3,432 |
| Otto | $1,694 |
| Oxford | $1,961 |
| Pantego | $4,674 |
| Parkton | $3,186 |
| Parmele | $3,224 |
| Patterson Springs | $2,023 |
| Paw Creek | $2,247 |
| Peachland | $2,501 |
| Pelham | $1,889 |
| Pembroke | $3,428 |
| Pendleton | $2,318 |
| Penland | $2,058 |
| Penrose | $1,707 |
| Pfafftown | $1,824 |
| Pikeville | $3,281 |
| Pilot Mountain | $1,850 |
| Pine Hall | $1,789 |
| Pine Knoll Shores | $13,307 |
| Pinebluff | $2,400 |
| Pinehurst | $2,399 |
| Pineola | $1,866 |
| Pinetops | $2,571 |
| Pinetown | $4,678 |
| Pineville | $2,037 |
| Piney Creek | $1,897 |
| Piney Green | $5,883 |
| Pink Hill | $3,547 |
| Pinnacle | $1,818 |
| Pisgah Forest | $1,707 |
| Pittsboro | $2,085 |
| Plain View | $3,146 |
| Pleasant Garden | $1,986 |
| Pleasant Hill | $2,169 |
| Plymouth | $4,783 |
| Point Harbor | $5,532 |
| Polkton | $2,502 |
| Polkville | $2,228 |
| Pollocksville | $5,200 |
| Pope Army Airfield | $2,930 |
| Poplar Branch | $5,532 |
| Porters Neck | $11,829 |
| Potecasi | $2,488 |
| Powells Point | $5,572 |
| Powellsville | $3,078 |
| Princeton | $2,507 |
| Princeville | $2,567 |
| Proctorville | $3,546 |
| Prospect Hill | $1,891 |
| Providence | $1,889 |
| Pumpkin Center | $5,883 |
| Purlear | $2,026 |
| Raeford | $2,833 |
| Raleigh | $2,258 |
| Ramseur | $2,105 |
| Randleman | $2,103 |
| Ranlo | $2,109 |
| Red Oak | $2,388 |
| Red Springs | $3,233 |
| Reidsville | $1,874 |
| Rennert | $3,432 |
| Research Triangle Park | $2,323 |
| Rex | $3,546 |
| Rhodhiss | $1,944 |
| Rich Square | $2,319 |
| Richfield | $2,075 |
| Richlands | $5,885 |
| Ridgecrest | $1,882 |
| Ridgeway | $2,162 |
| Riegelwood | $3,996 |
| River Bend | $4,899 |
| River Road | $4,657 |
| Roanoke Rapids | $2,257 |
| Roaring Gap | $1,897 |
| Roaring River | $2,023 |
| Robbins | $2,400 |
| Robbinsville | $1,668 |
| Robersonville | $3,089 |
| Rockfish | $2,836 |
| Rockingham | $2,418 |
| Rockwell | $2,098 |
| Rocky Mount | $2,447 |
| Rocky Point | $6,282 |
| Rodanthe | $6,116 |
| Roduco | $2,743 |
| Rolesville | $2,439 |
| Ronda | $2,024 |
| Roper | $4,788 |
| Rose Hill | $3,575 |
| Roseboro | $3,096 |
| Rosman | $1,920 |
| Rougemont | $2,033 |
| Rowland | $3,431 |
| Roxboro | $1,912 |
| Roxobel | $3,078 |
| Royal Pines | $1,664 |
| Ruffin | $1,879 |
| Rural Hall | $1,832 |
| Rutherford College | $1,796 |
| Rutherfordton | $1,953 |
| Salem | $1,796 |
| Salemburg | $3,149 |
| Salisbury | $2,101 |
| Salter Path | $8,627 |
| Saluda | $1,740 |
| Salvo | $6,116 |
| Sandy Ridge | $1,787 |
| Sanford | $2,402 |
| Sapphire | $1,920 |
| Sawmills | $1,725 |
| Saxapahaw | $2,186 |
| Scaly Mountain | $1,907 |
| Scotland Neck | $2,263 |
| Scotts | $2,234 |
| Scottville | $1,925 |
| Scranton | $5,341 |
| Sea Breeze | $9,129 |
| Seaboard | $2,315 |
| Seagrove | $2,203 |
| Sealevel | $8,223 |
| Sedalia | $2,080 |
| Selma | $2,505 |
| Semora | $1,904 |
| Seven Devils | $1,689 |
| Seven Lakes | $2,398 |
| Seven Springs | $3,389 |
| Severn | $2,488 |
| Shallotte | $8,256 |
| Shannon | $3,138 |
| Sharpsburg | $2,392 |
| Shawboro | $5,545 |
| Shelby | $2,021 |
| Sherrills Ford | $1,805 |
| Shiloh | $4,763 |
| Siler City | $2,093 |
| Siloam | $1,850 |
| Silver City | $2,835 |
| Silver Lake | $9,096 |
| Simpson | $3,275 |
| Sims | $2,630 |
| Skippers Corner | $6,809 |
| Skyland | $1,882 |
| Smithfield | $2,504 |
| Smyrna | $8,635 |
| Sneads Ferry | $9,467 |
| Snow Camp | $1,974 |
| Snow Hill | $3,267 |
| Sophia | $2,105 |
| South Henderson | $2,005 |
| South Mills | $4,765 |
| South Rosemary | $2,259 |
| Southern Pines | $2,399 |
| Southern Shores | $10,319 |
| Southmont | $2,097 |
| Southport | $8,254 |
| Sparta | $1,684 |
| Speed | $2,734 |
| Spencer | $2,102 |
| Spindale | $1,952 |
| Spring Hope | $2,399 |
| Spring Lake | $2,810 |
| Spruce Pine | $1,750 |
| St. Helena | $6,283 |
| St. James | $8,250 |
| St. Pauls | $3,560 |
| St. Stephens | $1,804 |
| Stacy | $8,223 |
| Staley | $2,105 |
| Stallings | $2,061 |
| Stanfield | $2,046 |
| Stanley | $2,094 |
| Stantonsburg | $2,954 |
| Star | $2,330 |
| State Road | $1,907 |
| Statesville | $2,027 |
| Stedman | $2,938 |
| Stella | $6,471 |
| Stem | $1,957 |
| Stokes | $3,141 |
| Stokesdale | $1,870 |
| Stoneville | $1,870 |
| Stony Point | $2,007 |
| Stovall | $2,161 |
| Stumpy Point | $6,116 |
| Sugar Grove | $1,903 |
| Sugar Mountain | $1,656 |
| Summerfield | $1,868 |
| Sunbury | $2,561 |
| Sunset Beach | $9,431 |
| Supply | $8,248 |
| Surf City | $13,136 |
| Swannanoa | $1,664 |
| Swanquarter | $5,391 |
| Swansboro | $9,466 |
| Swepsonville | $2,186 |
| Sylva | $1,694 |
| Tabor City | $4,306 |
| Tar Heel | $3,696 |
| Tarawa Terrace | $5,881 |
| Tarboro | $2,568 |
| Taylorsville | $1,990 |
| Teachey | $3,579 |
| Terrell | $1,806 |
| Thomasville | $2,102 |
| Thurmond | $1,935 |
| Tillery | $2,434 |
| Timberlake | $1,914 |
| Toast | $1,846 |
| Tobaccoville | $1,830 |
| Todd | $1,925 |
| Topsail Beach | $13,821 |
| Topton | $1,694 |
| Traphill | $2,023 |
| Trent Woods | $4,906 |
| Trenton | $5,203 |
| Trinity | $2,107 |
| Troutman | $2,025 |
| Troy | $2,329 |
| Tryon | $1,763 |
| Tuckasegee | $1,694 |
| Turkey | $3,148 |
| Tuxedo | $1,906 |
| Tyner | $4,743 |
| Tyro | $2,094 |
| Union Grove | $2,030 |
| Union Mills | $1,952 |
| Unionville | $2,061 |
| Valdese | $1,796 |
| Vale | $1,979 |
| Valle Crucis | $1,691 |
| Valley Hill | $1,690 |
| Vanceboro | $4,898 |
| Vandemere | $5,048 |
| Vass | $2,402 |
| Vaughan | $2,162 |
| Vilas | $1,691 |
| Waco | $2,228 |
| Wade | $3,078 |
| Wadesboro | $2,505 |
| Wagram | $2,721 |
| Wake Forest | $2,148 |
| Walkertown | $1,829 |
| Wallace | $3,576 |
| Wallburg | $2,094 |
| Walnut Cove | $1,797 |
| Walstonburg | $3,264 |
| Wanchese | $9,948 |
| Warne | $1,848 |
| Warrensville | $1,714 |
| Warrenton | $1,957 |
| Warsaw | $3,576 |
| Washington | $4,662 |
| Waves | $6,116 |
| Waxhaw | $2,065 |
| Waynesville | $1,633 |
| Weaverville | $1,663 |
| Weddington | $2,065 |
| Welcome | $2,096 |
| Weldon | $2,257 |
| Wendell | $2,310 |
| Wentworth | $1,869 |
| Wesley Chapel | $2,063 |
| West Canton | $1,630 |
| West End | $2,397 |
| West Jefferson | $1,713 |
| West Marion | $1,722 |
| Westfield | $1,819 |
| Westport | $2,065 |
| Whispering Pines | $2,398 |
| Whitakers | $2,476 |
| White Lake | $3,695 |
| White Oak | $3,694 |
| White Plains | $1,848 |
| Whiteville | $4,305 |
| Whitsett | $1,871 |
| Whittier | $1,695 |
| Wilkesboro | $2,023 |
| Willard | $6,285 |
| Williamston | $3,089 |
| Williston | $8,223 |
| Willow Spring | $2,329 |
| Wilmington | $9,558 |
| Wilson | $2,602 |
| Wilsons Mills | $2,680 |
| Windsor | $2,947 |
| Winfall | $4,801 |
| Wingate | $2,064 |
| Winnabow | $5,946 |
| Winston-Salem | $1,852 |
| Winterville | $3,139 |
| Winton | $2,670 |
| Wise | $2,162 |
| Woodfin | $1,661 |
| Woodland | $2,318 |
| Woodlawn | $1,974 |
| Woodleaf | $2,104 |
| Wrightsboro | $7,572 |
| Wrightsville Beach | $12,581 |
| Yadkinville | $1,845 |
| Yanceyville | $1,890 |
| Youngsville | $2,421 |
| Zebulon | $2,390 |
| Zionville | $1,691 |
| Zirconia | $1,692 |
Home insurance trends in North Carolina
The average price of home insurance in North Carolina has gone up by 53% over the past five years.
Catastrophic events like Hurricane Helene have forced insurance companies to rebuild more homes than normal. Inflation has made rebuilding costs go up faster than usual. Insurance companies have raised their rates to keep up with these growing expenses.
Some companies are also being more selective over the homes they insure. For example, Nationwide dropped more than 10,000 customers in 2023 in areas it considered too risky.
The state manages two programs for homeowners who can’t get insurance from normal companies:
- Coastal Property Insurance Pool (CPIP): Formerly known as the Beach Plan, CPIP is available in 18 coastal and beach counties. It also offers home insurance and standalone wind and hail coverage.
- FAIR Plan: FAIR Plan policies are available for homes in non-coastal areas that can’t get insurance.
Most insurance agents can help you get a CPIP or FAIR Plan policy if other companies won’t insure you.
Home insurance protections for NC floods, hail and wind
Many areas in North Carolina face severe risks from hurricanes and other severe weather. This makes it important to protect your home from floods, extreme wind and hailstorms, where appropriate.
North Carolina flood insurance
Standard homeowners insurance does not cover flood damage, including floods that may accompany a hurricane. Instead, you need separate insurance for this.
Flood insurance costs an average of $907 a month in North Carolina. It usually costs more in high-risk flood zones. Most people buy flood insurance through the government-run National Flood Insurance Program (NFIP). A few private companies also offer it.
Your lender will require you to get flood insurance if you need a mortgage in a high-risk flood zone. The widespread risk of flooding makes it worth considering in other situations, too.
Your current home insurance agent, or the ones you contact for quotes, can help you get NFIP rates. Neptune Flood, Wright Flood and Allstate are good places to start for private flood insurance quotes.
Insurance for NC wind and hail
Normal home insurance covers wind and hail in most parts of the state. However, your policy may have a higher deductible for wind than for other perils, like fire and vandalism.
A 1% wind-and-hail deductible on a policy with $400,000 in dwelling coverage amounts to $4,000. This is usually higher than your deductible for other perils, which may only be $1,000 or $2,000.
Some policies have named-storm deductibles. A named-storm deductible typically applies to wind and hail damage from a storm that is officially named.
It’s especially important to check your policy for wind and hail exclusions in coastal areas. You may have to get a CPIP wind policy if your home insurance doesn’t cover wind and hail.
Compare homeowners insurance companies in North Carolina
North Carolina’s growing home insurance costs make it important to shop around for the most affordable rate. Consider these tips when you compare quotes:
-
Have your declarations handy:
Sharing your current declarations page with other insurance agents can help you get quotes faster. -
Check the details:
Your coverage limits may vary slightly by company. Just make sure information about you and your home is listed accurately in each quote. -
Compare apples to apples:
The deductible and coverage options in each quote should match. -
Bundle up:
Most companies give you a big discount for bundling your home insurance with an auto policy. Get quotes for both to see each company’s combined rate. -
Ask about discounts:
Most companies automatically apply discounts to your quote. You should still ask about them to make sure none get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Unlike car insurance, home insurance is not required by law in North Carolina. However, your lender will require you to get it for a mortgage, and some homeowners associations also require it. It’s usually optional in other situations.
Widespread damage from severe storms and inflation has made home insurance in North Carolina more expensive. Insurance companies have raised their rates to keep pace with the rising costs of rebuilding homes following widespread disasters.
The equipment breakdown coverage that some insurance companies offer is different from a home warranty. Also known as home systems protection, insurance companies usually only cover sudden mechanical or electrical breakdowns of appliances and systems. Home warranties usually offer more protection. This includes coverage for normal wear and tear.
Methodology
How we chose the best homeowners insurance in North Carolina
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every North Carolina ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.