How to Find the Best Homeowners Insurance in NC
Known for its extensive hiking locations, the Outer Banks and food scene, North Carolina offers something for everyone. It’s no wonder that The Tar Heel State had the fourth largest population gain from 2010 to 2018.
2 However, homeowners in North Carolina do face challenges. From the mountain town of Asheville to the capital city of Charlotte, residents can experience snowfall or heavy rainfall depending on where they live. That’s why it’s important to have the right homeowners insurance. NC residents need insurance coverage that will put their needs first. To get the best homeowners insurance in NC, you have to do your research. Start by comparing quotes from different insurance companies and reviewing what each one offers.
The
AARP® Homeowners Insurance Program from The Hartford can help protect your North Carolina home from different risks, such as:
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Theft
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Fire
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Lightning
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Water damage from a leak
We make it easy to
get a quote online and customize your policy. Our specialists are here to work with you every step of the way.
What Is the Average Cost of Homeowners Insurance in North Carolina?
According to the Insurance Information Institute, the average cost of homeowners insurance in North Carolina in 2017 was $1,086. The national average was $1,211 and North Carolina was the 28th most expensive state for home insurance rates.
Factors Impacting the Average Homeowners Insurance NC Rates
It’s important to remember that home insurance companies look at different factors when determining your policy cost. These can include:
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Location
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Home size
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Age of home
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Claims history
Because each home is unique, homeowners have different insurance rates in North Carolina. Find out your specific cost by calling our representatives at
888-413-8970.
Discounts on Home Insurance in North Carolina
We offer a variety of homeowners insurance discounts that can help lower your rate.
Home Security Discount
Installing devices, like an alarm or fire sprinkler system, can help lower your insurance cost. You can also qualify for this discount by making simple upgrades to your North Carolina home, such as putting in smoke alarms.
Home and Auto Bundle3
If you get your car and home insurance through us, you may qualify for a bundle discount.
Types of North Carolina Homeowners Insurance
Your North Carolina homeowners policies from The Hartford come with standard coverages, such as:
Dwelling coverage to help protect your North Carolina home and the structures attached to it.
Personal liability coverage can help pay if you’re found responsible for another person’s injuries or damage to their property. It also helps pay for your legal defense if someone sues you for damages.
Medical payments coverage can help pay for someone’s treatment if they get hurt on your property.
Loss of use coverage can help pay your living expenses while your home is under repair and you have to relocate.
Additional North Carolina Homeowners Insurance Coverages
Equipment breakdown coverage helps pay to repair or replace your appliances if they break down from a covered loss.
4 This does not include coverage for normal wear and tear.
Full replacement cost coverage can help pay the cost to rebuild your home if it’s a total loss up to 125% of your coverage limits. Additional options provide up to 150% of coverage limits that may be available.5
Valuable items blanket coverage provides extra protection for your valuables. Your homeowners insurance policy caps coverage for theft of jewelry at $1,500. This coverage can increase the limit to $10,000 per item and also helps cover lost or damaged items.
Common Questions About Home Insurance in North Carolina
Do You Have to Have Homeowners Insurance in North Carolina?
Unlike
car insurance, you aren’t required to carry homeowners insurance in North Carolina. However, if you finance your home with a mortgage, your lender will likely require you to have home insurance.
What Doesn’t Homeowners Insurance in North Carolina Cover?
Be aware that homeowners insurance in North Carolina doesn’t cover flood damage or claims related to:
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Earthquakes
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Landslides
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Mudslides
Work with your local insurance agency or one of our specialists to see if you can add more coverage to your policy to help protect against these kinds of damages.
Is Windstorm and Hail Insurance Available in North Carolina?
Check your current home insurance policy to see if it covers wind and hail damage. If it doesn’t, you’ll have to get a separate policy to cover this type of damage. The North Carolina Insurance Underwriting Association typically writes these separate policies.6
Get a Quote for Homeowners Insurance NC Today
When it comes to protecting your home in North Carolina, it’s important to work with an insurance company you can rely on. Not all homeowners insurance companies are the same. Our specialists can help you every step of the way, whether it’s to get the right coverage options for your North Carolina home insurance needs or to file a claim, we’re here for you.
3 Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP® Auto & Home Insurance Programs from The Hartford. The homeowners product is not available in all areas, including the state of Florida.
4 This coverage is available for an additional fee and pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment breakdown coverage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
5 The Hartford will pay the cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.