Statewide average homeowners base rates in North Carolina rose 7.5% on June 1, 2026, the second step of a settlement between the Department of Insurance and the North Carolina Rate Bureau. Your own change can be higher or lower, depending on your territory, your roof, your claims, your coverage limits and your company's pricing.
Pick your town or county to see the typical yearly home insurance premium our own clients pay, from the policies we write and service.
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Typical means the median: half of policyholders pay less, half pay more. The headline number is for a home insured for $250,000 to $400,000; the table shows every size of home. Source: Sizemore Insurance clients' in-force policies as of October 9, 2026, not a survey or national average (how we got these numbers). Not a quote.
North Carolina homeowners rates start from a base filed by the North Carolina Rate Bureau and reviewed by the Department of Insurance. In 2024 the Rate Bureau asked for an average increase of 42.2%, with up to 99.4% in some areas. The Department announced a settlement on January 17, 2025: the average statewide base rate rose 7.5% on June 1, 2025, and another 7.5% on June 1, 2026.
The settlement capped the total change at 35% in any territory over the two years, and it bars the Rate Bureau from seeking another increase before June 1, 2027.
The 7.5% is a statewide average of base rates. Your territory can move more or less than the average. On top of the base, your own premium reflects your coverage limits, your deductible, your claims history, your roof and the company's own credits and charges. If your dwelling limit went up at renewal to keep pace with building costs, the premium went up with it.
The Department of Insurance published a table of the changes by territory, so you can see how your area moved compared with the statewide average.
A company can charge more than the Rate Bureau's approved rate on a specific home. When it does, your declarations page has to show, in bold capitals, both the premium at the approved rate and the premium the company is charging. If you see that notice, it's worth a second quote.
Read the renewal before you pay it. Check that the dwelling limit matches what it would cost to rebuild, not more and not less. Look at your deductibles, including any named storm deductible, and decide whether a different choice makes sense. Then compare. Companies price the same home differently, and we can check several at once. Our clients' homes are spread from Charlotte to the coast, and we see renewals move very differently from one company to the next.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.