How Much Does Homeowners Insurance Cost in North Carolina?
North Carolina pricing is near the national average. Updated for 2026.
Homeowners Insurance Pricing in North Carolina
In North Carolina, the average cost for homeowners insurance is $162 per month, which is 10% lower than the national average of $180. Most North Carolina residents pay between $90 and $315.
North Carolina has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
North Carolina vs National Average
What Affects Homeowners Insurance Cost in North Carolina?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
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💡 Tips to Save on Homeowners Insurance in North Carolina
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in North Carolina Cost Trends (2022–2026)
Prices have increased +17.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $138 | — |
| 2023 | $144 | +4.3% |
| 2024 | $153 | +6.3% |
| 2025 | $157 | +2.6% |
| 2026 | $162 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in North Carolina
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for North Carolina
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