North Carolina home insurance

Homeowners in North Carolina face many challenges throughout the year. Hot summers mean thunderstorms and hail that unexpectedly can damage property. Fall's beauty masks the threats associated with hurricane season. In the mountains, winter can mean frozen pipes and snow. Liberty Mutual understands the needs of North Carolina homeowners and offers customized homeowners insurance coverage to fit your specific situation.

The following insurance coverage comes standard with any homeowners policy:

• Personal property coverage
• Personal Liability and Medical Payment to Others
• Dwelling (Property damage to your home)
• Wind/hail¹
• Hurricane damage¹
• Additional Living Expenses/Loss of Rent

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in North Carolina:

• Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which can be a significant problem across the state of North Carolina any time of year, not just during hurricane season. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

  Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

• Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

The following optional homeowners insurance coverages should be considered by all homeowners in North Carolina:

• Blanket Jewelry
• Escape of Water
• Personal Electronics Coverage

See our complete list of homeowners insurance coverage

No, homeowners insurance isn't required by law in North Carolina, but your mortgage company will most likely require it in order to get a loan.

The average cost of homeowners insurance in North Carolina is $1,833 per year according to NerdWallet.² That's 12% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Tell us your ZIP Code and we'll suggest coverage options that may be a good fit for where you live in North Carolina.

Take me to the home insurance coverage calculator (no contact information needed)

Get a quote in minutes. Here's what you'll need:

• Basic information about your property
• Basic information about you, any co-owners, and occupants
• Ownership or mortgage status
• Details about your home's construction and any safety features
• If you have an existing homeowners insurance policy