Need to find a homeowner insurance quote in North Carolina for a condo, house, or mobile home? Homeowner insurance coverage in North Carolina is among the states in the middle range of average insurance rates in the U.S. Annual premiums cost between $533 and $649.

Although state law does not obligate homeowners to insure their homes, mortgage lenders would require a basic insurance policy before loan applications could be approved. Still, the North Carolina Department of Insurance highly recommends that homeowners purchase insurance that would cover at least 80% of the home’s replacement cost.

North Carolina may seem like a state that is not too prone to natural disasters, but it has its share of potentially destructive weather in the form of hurricanes. Perils covered in the basic homeowner insurance in North Carolina include fire, wind damage, theft/burglaries, and vandalism. Flood coverage is excluded from the standard policy and could be added as a special rider at extra cost or bought as a separate policy from the National Flood Insurance Program.

The standard homeowner insurance policy in the state is divided into two sections with the types of coverage under each clearly defined. This convenient method of categorizing coverage makes the policy easy to read and understand for the homeowner.

The two sections in the standard North Carolina homeowner insurance policy and their corresponding coverage are as follows…

SECTION I (Includes Property Coverages A, B, C, and D)


· Coverage A (Dwelling) = Insures the actual structure of the home for at least 80% of its replacement cost

· Coverage B (Other Structures) = Covers unattached structures such as garages and sheds. Coverage limit is 10% of the limit set in Coverage A

· Coverage C (Personal Property) = Covers the personal belongings and amounts to 50% of Coverage A

· Coverage D ( Loss of Use) = Pays for the necessary funds so that the homeowner and his/her family could still enjoy a normal standard of living while the home is being repaired or rebuilt

SECTION II (Includes Liability Coverage E and F)


· Coverage E = Covers lawsuits and claims resulting from bodily harm or property damage to another person

· Coverage F = Pays for medical expenses of individuals (other than the members of the homeowner’s household) who get injured on the homeowner’s property.

Ways by which North Carolina homeowners could avail of discounts include the following:

· Purchasing an umbrella policy package from the insurance provider

· The home is located near the fire department or a fire hydrant

· Installation of fire protection systems such as electronic alarms and/or a fire sprinkler system

· Installation of security devices such as deadbolts and /or wrought iron bars on doors and windows

· Installation of electronic burglar alarms

· Non-smoking family members (or those who do smoke quit this bad habit that is considered a fire hazard)

North Carolina offers an alternative coverage option of homeowners whose insurance policy applications get rejected because they live in areas of high risk, such as near beaches or in those places that are prone to flooding. The North Carolina Joint Underwriting Association offers the FAIR Plan to these homeowners through the offices of the state’s Department of Insurance.

Indeed, homeowner insurance in North Carolina has become very residents’ trusted partner in the protection of their homes.


Find  homeowner insurance rates in each of these North Carolina cities:

lbemarle – Apex – Archdale – Asheboro – Asheville – Belmont – Black Mountain – Boone – Brevard – Burlington – Carrboro – Cary – Chapel Hill – Charlotte – Clayton – Clemmons – Clinton – Concord – Conover – Cornelius – Davidson – Dunn – Durham – Eden – Elizabeth City – Elon College – Fayetteville – Forest City – Fort Bragg – Fuquay-Varina – Garner – Gastonia – Goldsboro – Graham – Greensboro – Greenville – Half Moon – Hamlet – Havelock – Henderson – Hendersonville – Hickory – High Point – Holly Springs – Hope Mills – Huntersville – Indian Trail – Jacksonville – Kannapolis – Kernersville – Kings Grant – Kings Mountain – Kinston – Laurinburg – Lenoir – Lewisville – Lexington – Lincolnton – Lumberton – Masonboro – Matthews – Mebane – Mint Hill – Monroe – Mooresville – Morehead City – Morganton – Mount Airy – Mount Holly – Murraysville – Myrtle Grove – New Bern – Newton – Oak Island – Oxford – Pinehurst – Piney Green – Raleigh – Reidsville – Roanoke Rapids – Rockingham – Rocky Mount – Roxboro – Salisbury – Sanford – Shelby – Siler City – Smithfield – Southern Pines – Spring Lake – St. Stephens – Statesville – Summerfield – Tarboro – Thomasville – Trinity – Wake Forest – Washington – Waynesville – Weddington – Wilmington – Wilson – Winston-Salem

Homeowner insurance in North Carolina provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in North Carolina above.

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