The Best Homeowners Insurance in North Carolina for 2021

If you live along the coast, prepare to pay a lot more for coverage.
Doug SiborAug 12, 2021

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North Carolina sees more hurricane landfalls than most U.S. states, which means the state’s homeowners — especially along the coast and Outer Banks — tend to pay more for insurance.

A NerdWallet analysis of 12 insurance companies in the state found homeowners in North Carolina pay an average of $1,812 per year for home insurance; that's over $200 above the national average of $1,585. Keep in mind, however, that these rates are estimates and depend on many different factors, so yours may vary.

Several of NerdWallet's offer policies in North Carolina. Here they are, along with their average annual premiums:

You can customize your homeowners policy with numerous add-ons from these companies, but below are the types of coverage that generally come standard:

For more details, see .

Here's a little bit more about each company and the extras each offers.

Nationwide includes ordinance or law coverage as part of its standard homeowners insurance policy. That means if you need to bring your home up to current building codes as part of a claim, Nationwide pays some or all of the costs. Nationwide also covers up to $500 in unauthorized credit or debit charges as part of its standard policy.


State Farm's standard "increased dwelling limit" coverage may appeal to homeowners because of the financial cushion it provides if you need to rebuild your home. As long as the home is insured for the amount State Farm estimates it will cost to replace it, State Farm provides up to an additional 20% of that amount should costs go up while rebuilding.


If you're an active military member or a veteran, or are a family member of one, USAA offers several benefits that normally cost extra from other insurers. Identity theft coverage and replacement cost for damaged or stolen personal items are just two of the benefits available to policyholders in most states.


NerdWallet looked at the rates from each insurer in all 856 ZIP codes in North Carolina to find the lowest home insurance premiums in the state. We found a statewide average annual premium of $1,812, but your rate may vary depending on where you live. The difference between the cheapest and most expensive rates in North Carolina was over $5,000 per year, with many of the higher premiums coming from the coast.

Here are the five cheapest homeowners insurance rates in North Carolina:

And here's a look at all the available rates:


Here are a few things to keep in mind as you evaluate your options for home insurance in North Carolina:



NerdWallet averaged rates for 40-year-old men and women from a variety of insurance companies in every ZIP code across the state. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1983. They had a $1,000 deductible and the following coverage limits:

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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