Average Home Insurance Deductible in North Carolina: What You Need to Know

What Is a Home Insurance Deductible?

A home insurance deductible is the amount you pay out of pocket before your insurance company covers a claim. Deductibles are typically listed as a flat dollar amount (e.g., $1,000) or a percentage of your home’s insured value.
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Average Home Insurance Deductible in North Carolina

For most homeowners in North Carolina, the average deductible is $1,000–$2,500. However, if you live near the coast or in a hurricane-prone area, you might have separate windstorm or hurricane deductibles—often between 1% and 5% of your home’s insured value.

Example: If your home is insured for $300,000 and you have a 2% hurricane deductible, you would pay $6,000 before insurance kicks in for hurricane-related damage.
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Types of Deductibles You Might See

• Standard Deductible – Applies to most covered claims, like fire or theft.
• Hurricane/Windstorm Deductible – Separate, often percentage-based, for storm-related damage.
• Named Storm Deductible – Applies only if the storm is officially named by the National Weather Service.
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How to Choose the Right Deductible

• Lower Deductible – Higher monthly premium, but you’ll pay less out of pocket if you file a claim.
• Higher Deductible – Lower monthly premium, but more risk if you need to use your insurance.

At Sizemore Insurance, we help you balance affordability with protection—making sure your deductible is realistic for your budget and your home’s risk level.
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North Carolina-Specific Factors

• Coastal Homes – Often have higher percentage-based storm deductibles.
• Newer Construction – May qualify for discounts that offset lower deductibles.
• Bundled Policies – Combining home and auto can reduce your premium, making a lower deductible more affordable.
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Get the Right Coverage (and Deductible) for Your Home

The right deductible can make a big difference in both your premium and your peace of mind.

Start your home insurance quote online in minutes or call (910) 791-1011 to speak with a Sizemore Insurance advisor today.