North Carolina Home Insurance
From the Outer Banks to the Blue Ridge, one agency comparing many insurance companies for your home. Eight offices in North Carolina since 1977.
From the Outer Banks to the Blue Ridge, one agency comparing many insurance companies for your home. Eight offices in North Carolina since 1977.
Home insurance in North Carolina depends on where the house sits, more than in most states.
The coast. In the 18 coastal counties, wind is the whole conversation. Many companies won't write wind and hail near the water, so a coastal home often carries two policies: one for everything except wind, and a wind and hail policy from the Coastal Property Insurance Pool. Hurricane and named storm deductibles are usually a percentage of your dwelling limit, not a flat dollar amount. On a $400,000 home, a 5% deductible is $20,000 out of pocket before the policy pays a storm claim.
The Piedmont. Around Charlotte, the Triad and the Triangle, hail and wind from severe thunderstorms drive most claims, and roof age drives most of the price. Companies look hard at roofs over 15 years old, and some will only pay actual cash value on an older roof.
The mountains. Hurricane Helene in 2024 showed that the biggest storm losses in western North Carolina came from water, not wind. Most of those homes had no flood policy because they weren't in a mapped flood zone. Flood coverage isn't part of any standard homeowners policy in North Carolina.
North Carolina homeowners rates start from a base set through the North Carolina Rate Bureau, an organization that files rates for the companies writing here. The Department of Insurance reviews those filings. The current settlement raised statewide average base rates 7.5% in June 2025 and another 7.5% in June 2026, and bars the Rate Bureau from seeking another increase before June 1, 2027.
Your own price can sit above or below that base. Companies apply credits and surcharges for roof age and type, claims history, wind mitigation features and coverage choices. In some cases a company can charge more than the bureau rate. This is called consent to rate. You don't sign a form: your declarations page has to show, in bold capital letters, both the premium at the approved rate and the higher premium the company is charging, and paying the bill counts as your consent. If your renewal shows a consent-to-rate notice, call us before you pay it. Another company may write the home at the standard rate.
HO-3 is the most common North Carolina homeowners form. HO-5 adds broader protection for your belongings and fits higher-value homes. What is an HO-3 policy?
Covers your unit's interior, your belongings and your liability. The association's master policy covers the building, and the gap between the two is where condo owners get hurt.
Separate wind coverage for coastal homes where the main policy excludes it, including through the Coastal Property Insurance Pool.
NFIP and private flood policies. Private flood can offer higher limits than the federal program and sometimes a shorter waiting period.
Dwelling policies (DP-1, DP-3) for homes you rent out, and coverage for short-term rentals. DP-1 vs DP-3
Extra liability above your home and auto, from $1 million.
We also write home insurance in South Carolina, Virginia and Maryland.
No state law requires it. If you have a mortgage, your lender will require it and will name itself on the policy.
Statewide average base rates rose 7.5% on June 1, 2026, the second step of the settlement between the Department of Insurance and the Rate Bureau. Your change can be higher or lower depending on your territory, your roof, your claims and your coverage limits.
It covers wind damage from a hurricane unless wind is excluded, which is common near the coast. It never covers flood or storm surge. Coastal homes often need a separate wind policy and a flood policy.
It's the common name for the Coastal Property Insurance Pool, run by the North Carolina Insurance Underwriting Association. It writes wind and hail coverage, and homeowners coverage, for properties in the 18 coastal counties when the regular market won't.
Your lender may not require it, but Helene showed how much flood damage happens outside mapped zones. Policies outside high-risk zones usually cost less, and the 30-day wait means you can't buy it when a storm is coming.
We compare many companies for the same home. When one company raises rates, restricts roofs or stops writing near the coast, we can move you to another one without you starting over.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.