Homeowners Insurance Agents in North Carolina

Find the Right Agent for Your Home Insurance Needs 


Robert Chester

 ✔ verified 

“Professional expert insurance advice with great rates and service for the qualified client.”

Insurance Products – P&C insurance

📍Davidson, North Carolina, 28036

Braxton Ogbueze

Associated Carriers – Mutual of Omaha, Americo, American Amicable, Aetna and AIG

My name is Braxton Ogbueze and I’m a licensed life insurance agent in North Carolina and South Carolina. I believe in honoring Jesus with my life and in my businesses and I look forward to serving my community by helping them get protection in place for their families and as well as delivering a message of hope.

📍Charlotte, North Carolina, 28269
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Brandon Davis

Associated Carriers Soar Insurance Partners

Insurance Products – Personal Insurance, Business Insurance, P&C insurance

📍Bunnlevel, North Carolina, 28323
JoeSpeer Life Insurance - Life insurance agent in georgia

Alexis Starks

I believe my client is always right, and it’s my duty to put their hopes into perspective.

📍North Carolina, United States
home insurance agents in NC-compressed

The coastal state of North Carolina is the 28th largest and 9th most populous state in the United States. As of 2022, the state has a population of 10.69 million.  

North Carolina frequently experiences disasters such as tornadoes, floods, hurricanes, lightning strikes, and snow and ice storms. These natural disasters can disrupt food and water supplies, as well as cause power outages. 

With such recurring natural hazards, it is important for state residents to purchase a reliable homeowners insurance coverage. 

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Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Homeowners Coverages in North Carolina

A typical homeowner’s coverage in North Carolina includes three types of coverage: property, liability and dwelling.

Property Coverage

This covers your personal belongings, including personal property used outside the home. You will be paid the actual cash value of covered personal property that must be replaced as a result of a covered loss.

Liability Coverage

This provides liability coverage if someone who does not live with you is injured on your property. If you are found to be at fault, it will help pay for your legal fees as well as the visitor’s medical bills.

Dwelling Coverage 

This coverage helps to protect the structure of your home (for example, the foundation, walls, and roof). Dwelling protection may also help protect against certain risks other structures attached to the home, such as a garage or a deck. 

Additional Coverages for Homeowners Insurance in North Carolina

When looking for home insurance in North Carolina, you may want to consider the weather conditions. If your home is near the coast, severe weather events such as wind damage, hail, and hurricanes are more likely to cause home damage, and other parts of the state may also experience similar weather events.  

Coverage options for such events are not included in a standard homeowners’ insurance. You have to purchase these policies separately. So, here’s a look at the endorsements for a comprehensive homeowners’ policy.

Flood Insurance

Flood damage is not covered by standard homeowners’ insurance, so you will need to obtain flood insurance separately if you want it. FEMA’s National Flood Insurance Program and some private flood insurers offer flood insurance. 

Liability Coverage

Windstorm and hail coverage may be excluded from your standard coverage depending on where you live in the state and your insurance company. Some homeowners may require a separate windstorm and hail insurance policy.

Dwelling Coverage 

An earthquake endorsement can cover earthquake damage repairs as well as other structures not attached to your home, such as a garage or shed. It can also cover your personal property, the cost of debris removal, living expenses you may incur while your home is being rebuilt or repaired post-quake. 

Homeowners Insurance Cost in North Carolina

In North Carolina, the average cost of homeowners insurance is $1,317 per year for $250,000 in dwelling coverage. North Carolina homeowners’ insurance is slightly less expensive than the national average of $1,383 per year.  

Since, much of the state is inland, the average rates in this state may be higher. Coastal states often see higher rates due to higher likelihoods of damage, but North Carolina is mostly inland and thus does not see as much severe damaging weather.

Cheapest Cities for Homeowners Insurance in North Carolina


City Average Annual Premium 
Hayesville $843
Brass Town $844
Andrews $845 
Marble $845 
Murphy $846 

Expensive Cities for Homeowners Insurance in North Carolina


City Average Annual Premium 
Atlantic Beach $9,503
Pine Knoll Shores $9,500
Emerald Isles $9,492
Myrtle Grove $9,039
Broad Creek $9,036

Frequently Asked Questions

Is North Carolina home insurance required?

Although home insurance is not required by North Carolina law, if your home is mortgaged, your lender may require you to purchase home insurance. Furthermore, if you are a renter, your landlord may advise you to purchase insurance to protect your personal property.

Is wind and hail insurance required in North Carolina?

Wind and Hail Insurance is an important part of protecting your home and other valuable assets, and it may be required if you live in certain areas and have a mortgage. A wind and hail policy may not be included as part of your homeowners’ coverage in North Carolina.

Is hurricane insurance required in North Carolina?

Yes, North Carolina is a no fault state. This means that you may file a lawsuit if it is established that the negligent behavior of the other party caused your injuries (e.g., reckless driving, failing to look out for you, etc.).  

Is flooding a problem in North Carolina?

Flooding is the second-most common natural hazard in North Carolina, occurring every seven and a half days on average.

Can I get flood insurance if my house is in a COBRA Zone in North Carolina?

If your house was built on the property before the date shown on the effective FIRM for the specific COBRA Zone where your property is located, you may be able to purchase flood insurance. If a house was newly built or substantially improved after the date of COBRA designation, NFIP flood insurance cannot be purchased.  

However, a homeowner may be able to purchase flood insurance from private insurance providers, usually at much higher rates.

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