The Best Home Insurance in North Carolina for 2025

Chubb, Amica and Cincinnati Insurance are among the best home insurance companies in North Carolina, according to our analysis.

To help you find the best home insurance in North Carolina, we gathered and analyzed data from insurance companies around the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders with seasonal or secondary homes in North Carolina are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

Allstate stands out for its lengthy list of discounts, including ones for buying a newly constructed home and setting up autopay. You may also qualify for a discount if you bundle home and auto insurance with Allstate.

» READ MORE: Allstate homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in North Carolina is $2,490. That’s 18% more than the national average of $2,110.

In most U.S. states, including North Carolina, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In North Carolina, those with poor credit pay an average of $3,205 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 29% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

How much you pay for home insurance in North Carolina depends on where you live within the state. For example, the average cost of homeowners insurance in Charlotte is $2,550 per year, on average, but homeowners in the coastal city of Wilmington pay an average of $7,210 per year.

» MORE: What’s the average cost of homeowners insurance?

The companies above aren’t your only options. Below are the insurers we found with average annual rates below the North Carolina average of $2,490.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when shopping for home insurance in North Carolina.

Hurricanes and tropical storms

Hurricanes can cause wind and flood damage, and a standard homeowners policy may not cover you completely.

Homeowners insurance doesn’t typically cover flood damage, so you might need separate flood insurance. This is an especially good idea if you live along the coast or in an area prone to flooding.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Homeowners insurance usually covers damage caused by wind. But in North Carolina, you may pay a separate insurance deductible for wind or hail damage. Depending on where you live, your insurer may decline to provide wind and hail coverage as part of your homeowners insurance policy. If that happens, you can buy windstorm insurance from a private insurer or the North Carolina Insurance Underwriting Association.

» MORE: Complete guide to hurricane insurance

Tornadoes

In most parts of North Carolina, your homeowners insurance policy will likely cover wind damage caused by tornadoes. But if you live near the coast, your homeowners insurer may not cover wind damage due to hurricane risk. That usually means you won’t be covered for tornado damage, either.

You can buy separate windstorm insurance through private insurers or the North Carolina Insurance Underwriting Association.

» MORE: Does homeowners insurance cover tornado damage?

Winter storms

A standard homeowners policy covers many types of winter storm damage. For example, if a pipe freezes and bursts or a heavy snowfall knocks a tree onto your roof, your insurer will usually pay for the damage. However, if you don’t take appropriate precautions to protect your home, your insurance company may not pay for repairs.

The North Carolina Department of Insurance oversees the insurance industry in North Carolina and provides information and resources to consumers. You can file a complaint about your insurer or request help using the agency’s website. You can also get assistance by calling 855-408-1212.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.