North Carolina homeowners insurance

How you're covered

A typical policy in North Carolina may include the following homeowners insurance coverages:

• Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) and attached structures, like a porch.
• Other structures coverage (Coverage B) protects detached structures, such as fences, sheds, and garages.
• Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
• Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind that coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

If your policy covers windstorms, you might have a separate hurricane or wind damage deductible. This deductible is often higher than your policy’s standard deductible and could be a percentage of one or more of your coverage limits. Learn more about homeowners coverage for hurricanes.

More ways to stay covered in North Carolina

Sometimes, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate one. If available, North Carolinians may want to consider:

• Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
• Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
• Sump pump: Sewage backup or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water backup coverage as an optional coverage, if available, may help in the event of sewage backup or sump pump overflow due to heavy storms.

How much is homeowners insurance in North Carolina?

Progressive homeowners policies in North Carolina had an average monthly price of $130.90 or $1,570.85 annually in 2023.^* Your rate could be higher or lower depending on a variety of factors. Home type, roof construction, and past claims can influence the cost of your policy. Coverage amounts and deductibles will also have an impact on what you pay overall.

Learn more about how homeowners insurance costs are factored.

Helping you save on homeowners insurance in North Carolina

Progressive offers several discounts that you can take advantage of to help make your North Carolina homeowners insurance coverage more affordable. Paying in full, bundling your home and auto policies, installing alarm and security systems, and going paperless are just some of the discounts available.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live or speak with your agent.

Is homeowners insurance required by law in North Carolina?

Homeowners insurance in North Carolina isn’t required by state law. If your home is financed, your lender will typically require you to have homeowners insurance to protect your property until you have paid your mortgage in full.