Homeowners Insurance in North Carolina

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Homeowners Insurance NCFrom the mountain town of Asheville to the capital city of Raleigh, North Carolina homes can experience snow or heavy rain with the changing seasons. That’s why it’s important to have the right homeowners insurance to help protect your home. With your AARP membership, you can access affordable homeowners insurance for North Carolina homes through the AARP® Homeowners Insurance Program from The Hartford.1
 

How to Find the Best Homeowners Insurance in NC

Known for its hiking, beaches and food, North Carolina offers something for everyone. However, the weather may not be to everyone’s liking. The seasons can bring lots of different issues, which can wreak havoc on your home. That’s why having your home protected with good insurance is so important. To get the best North Carolina homeowners insurance, look for a home insurance company that understands your unique needs.
 
The AARP Homeowners Insurance Program from The Hartford can help protect your North Carolina home from different risks, such as:
 
  • Theft
  • Fire
  • Lightning
  • Water damage from a leak
We make it easy to get a quote and customize your policy to meet your unique needs. Our specialists are here to work with you every step of the way.
 
 

Types of North Carolina Homeowners Insurance

Your North Carolina homeowners policies from The Hartford come with standard home insurance coverages, such as:

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.
 
North Carolina homeowners can also choose to add more protection to their policy to improve the coverage of their home. These optional coverages include:
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. Keep in mind that this does not include normal wear and tear. It also provides coverage if you want to make “green” upgrades, by paying up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. 
Additional Limits coverage helps protect you when your dwelling coverage limit isn’t enough to rebuild your home after a total loss. It provides extra coverage up to 125% of your coverage limits. In most areas, up to 150% is also available.
Valuable items blanket coverage provides extra protection for your valuables. Your homeowners insurance policy caps coverage for theft of jewelry at $1,500. This coverage can increase the limit to $10,000 per item and also helps cover lost or damaged items.
 
It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***
 

What Is the Average Cost of Homeowners Insurance in North Carolina?

According to 2024 averages, North Carolina homeowners pay $2,776 on their home insurance per year, or $231 per month. That is $623 more than the national average when looking at annual costs.3
 

Factors Impacting the Average Homeowners Insurance NC Rates

A couple leaving their house comforted that their house is covered by north carolina homeowners insuranceIt’s important to remember that home insurance companies look at different factors when determining your policy cost. These can include your home’s:
 
  • Location
  • Size
  • Age
  • Claims history

Discounts on Home Insurance in North Carolina

The AARP Home Insurance Program from The Hartford offers a variety of homeowners insurance discounts that can help lower your rate, like:
 

Home Security Discount

Installing devices in your North Carolina home, like a fire sprinkler or home security system, can help lower your insurance cost.
 

Home and Auto Bundle

Combining your auto insurance and home insurance can save you an average of $813.** With the AARP Auto and Home Insurance Program form The Hartford, you can enjoy discounts of up to 12% on your auto and up to 20% on your homeowners, condo or renters policy when you bundle policies.**

Common Questions About Home Insurance in North Carolina

Unlike car insurance, you aren’t required to carry homeowners insurance in North Carolina. However, if you finance your home with a mortgage, your lender will likely require you to have home insurance.

Home insurance also doesn’t cover claims related to:

 
  • Earthquakes
  • Landslides
  • Mudslides
If you want to add more coverage to your policy to protect against these kinds of damages, our representatives are available to help at 877-422-2345.
You are not required to have wind or hail insurance by law, but your mortgage company may require you to carry it.
Check your current home insurance policy to see if it covers wind and hail damage. If it doesn’t, you’ll have to get a separate policy to cover this type of damage. The North Carolina Insurance Underwriting Association typically writes these separate policies.4
Home insurance prices have climbed over the last few years.5 But there are things you can do to keep your insurance costs down, like bundling your auto and home policies to save over $800.**
 

Get a Quote for Homeowners Insurance in NC Today

Man getting a free quote for homeowners insurance in North CarolinaWhen it comes to protecting your home in North Carolina, it’s important to work with an insurance company you can rely on. At The Hartford, our representatives can help you every step of the way. Whether it’s to get the right coverage options for your North Carolina home insurance needs or to file a claim, we’re here for you.
 
Get a homeowners insurance quote today or call 877-422-2345 to find out how you can protect your North Carolina home.
 
 
Last Updated: August 29, 2024
 
2 Medical payments are calculated on the basis of usual, customary, and reasonable charges.
 
3,5 Bankrate, “Home insurance rates by state for August 2024.”
 
4 North Carolina Department of Insurance, “Windstorm and Hail.”
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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