Updated: December 4, 2024
Advertising & Editorial Disclosure
Auto-Owners is North Carolina's top home insurance provider. Unless otherwise stated, we used a $100,000 dwelling coverage limit to collect quotes. The amount of dwelling coverage you need will influence your premium.
We also evaluated the [cheapest home insurance in North Carolina](https://www.moneygeek.com/insurance/homeowners/cheap-homeowners-insurance/-north carolina/), focusing on affordability without compromising on service standards.
In North Carolina, Auto-Owners emerges as the top overall homeowners insurance provider with a MoneyGeek score of 93 out of 100, offering a blend of affordability and quality service at $1,094 per year. The runner-up, Heritage Insurance, scores 62 out of 100 at $1,305 per year. Striking the right balance between cost-effectiveness and dependable service is crucial for ensuring financial security and peace of mind in protecting your home.
In North Carolina, Auto-Owners is the cheapest homeowners insurance provider, offering a premium of $1,094 per year. This provider stands out for its balance between affordable rates and quality service, making it a top choice for budget-conscious homeowners. While Auto-Owners leads in affordability, Heritage Insurance is a notable runner-up, ensuring options for those who prioritize different aspects of coverage.
For homeowners in North Carolina prioritizing customer service, Erie stands out as the best home insurance provider, achieving a MoneyGeek score of 88 out of 100. The runner-up in terms of service quality is Auto-Owners, with a score of 85 out of 100. Choosing a provider with exceptional customer service is essential for ensuring reliable support during stressful situations like filing claims.
Why Trust MoneyGeek? We sourced information from the North Carolina Department of Insurance and Quadrant Information Services for top-tier homeowners insurance insights in {state}.
Home insurance rates in North Carolina represent the latest quotes as of July 2024.
In North Carolina, Auto-Owners stands out as the leading provider of home insurance.
Identify the right balance between affordability and quality service to meet your unique needs. Ensuring your home with a provider that delivers both can offer peace of mind and a sense of financial security.
Auto-Owners achieves exceptional results in North Carolina, ranking first in both affordability and coverage. It offers an average annual premium of $1,094.
Offering reasonably rare discounts like responsible payment, this insurer rewards consistent financial responsibility. Auto-Owners also caters to tech-savvy clients with a very rare discount for using smart home technology, emphasizing safety and modern home management. These discounts provide tangible benefits, such as premium reductions for secure and efficient household practices, contributing to overall satisfaction.
In terms of service quality, Erie is the best home insurance provider in North Carolina. Homeowners can expect standout service from these companies:
Valuing service quality in a home insurance provider is crucial for homeowners who prioritize reliable support in stressful situations, such as filing claims after property damage. Opting for a company that offers high-quality service could mean the difference between a swift, caring response and a frustrating, slow process when it's needed most.
Erie has a perfect customer satisfaction score, often indicative of excellent service quality. Its annual premium averages at $2,066.
Erie includes guaranteed replacement cost, ensuring that homes are rebuilt exactly how they were, without depreciation affecting the claim payout. It provides scheduled personal property coverage, protecting valuable items like jewelry and art beyond standard limits, offering peace of mind for homeowners with treasured possessions.
Auto-Owners offers the best affordable home insurance in North Carolina for budget-conscious homeowners.
With perfect affordability score, Auto-Owners stands out for its budget-friendly rates. While it may provide the cheapest premiums, it's important to remember that this doesn't always equate to the best service. When considering the average cost of home insurance in North Carolina, the ideal choice is a provider that delivers a balance between cost-efficiency and quality service.
Auto-Owners is the clear winner for North Carolina homeowners on a tight budget, with a perfect affordability score. Homeowners can access coverage for an average annual premium of $1,094.
Auto-Owners reduces premium costs through various discounts. The bundle discount rewards customers who carry multiple insurance policies, while the protective device discount is offered to those who install qualified safety devices in their homes, promoting protection and savings.
Auto-Owners is the leading home insurance provider in North Carolina for those with expensive homes. The best options for homeowners in need of a robust $1 million in dwelling coverage are:
Owning an upscale home often means higher insurance premiums due to the need for increased coverage. Choosing the right insurer is therefore important for striking a balance between expense and the comprehensive protection of your assets.
Auto-Owners Insurance shines as the top pick for expensive home coverage in North Carolina. Homeowners can expect an average annual premium of $8,663. The protective device discount rewards homeowners for installing safety devices like smoke alarms or security systems, enabling savvy homeowners to enhance affordability, especially because expensive homes often require more protection.
Guaranteed replacement cost ensures your home is rebuilt to its original quality without depreciation concerns. Scheduled personal property offers expanded protection for valuable items, covering losses beyond standard policy limits. These coverages provide peace of mind, knowing both your home and unique possessions are well-secured.
Auto-Owners is the best choice for homeowners in North Carolina with new homes. The top two options for those needing $500K in dwelling coverage for new homes are:
Auto-Owners delivers an exceptional balance of cost and service to North Carolina homeowners. This blend ensures that residents can enjoy comprehensive protection without compromising on quality or customer care.
Auto-Owners is the best home insurance provider for new homes in North Carolina, boasting a perfect affordability score and an average annual premium of $1,596. Enhance your home's defense with guaranteed replacement cost coverage, ensuring your home can be rebuilt exactly as it was, regardless of the expense.
Auto-Owners offers savings through discounts like responsible payment, providing price reductions for consistent, timely payments. Additionally, homeowners employing smart technology can benefit from the smart home discount, promoting modern, efficient living.
Auto-Owners provides the best homeowners insurance for veterans in North Carolina.
The best homeowners insurance for veterans accommodates the distinct lifestyle of service members, from steady relocations to deployment readiness. Companies like these assure the safeguarding of homes and valuables regardless of where duty calls.
Auto-Owners has high affordability and claims handling scores, with an average annual premium of $1,094. The guaranteed replacement cost add-on empowers homeowners to rebuild their homes to original standards without worrying about increased construction costs.
The responsible payment discount rewards consistent and timely bill settlements, while the protective device discount benefits those who install safety features like smoke detectors in their homes.
Finding the best homeowners insurance means seeking a provider that achieves a harmony between quality and affordability, delivering superb customer service and extensive coverage at reasonable rates. The most suitable homeowners insurance for you will hinge on your individual coverage necessities and financial situation. The following steps will guide you through the critical factors to consider.
Evaluate your specific insurance requirements to understand how much home insurance coverage you need. Take into account the value of your home, personal possessions and any additional coverage you may need for unique circumstances.
Investigate numerous insurance companies, focusing on their reputation, financial stability and customer service records. Look for reviews and ratings to gauge the experiences of other homeowners with these providers.
Obtain several quotes to compare home insurance quotes while ensuring you're assessing similar coverage options. Examine the differences in deductibles, limits, and exclusions among the plans.
Scrutinize the finer points of each insurance policy. Make sure you are clear on what is covered, the process for filing claims, and any conditions or responsibilities that may affect your coverage and premiums.
Engage with an impartial insurance agent who can provide personalized advice and help you navigate through the complexities of home insurance policies to find the best match for your circumstances.
Flood insurance is not required by law in North Carolina. However, with the potential for flood events, it’s wise to consider flood insurance in North Carolina for financial security.
Finding the best homeowners insurance provider in North Carolina hinges on your unique needs and preferences. This FAQ can guide you to the right choice for your home protection.
Auto-Owners is the best overall home insurance in North Carolina, with a score of 93 out of 100 and an average annual premium of $1,094.
Auto-Owners Insurance offers the cheapest homeowners insurance in North Carolina with an average annual premium of $1,094. Homeowners might reduce their costs further if they qualify for discounts.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
