How you're covered

North Carolina doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage 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."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps 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.

Keep in mind 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.

Common claims in North Carolina

Windstorms, hailstorms, and hurricanes are common causes of damage to North Carolina homes. Your home insurance policy may cover damage to your home's structure and belongings caused by tornadoes and high winds up to your policy's limits. However, homeowners insurance generally doesn't cover flood damage. You may need a separate flood insurance policy to protect your home and belongings.

Learn more about how home insurance may cover damage caused by severe weather.

Your homeowners policy may include separate deductibles for wind/hail or hurricane damage, depending on the insurer. Learn more about deductibles for windstorms and hurricanes.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

How much is homeowners insurance in North Carolina?

Your cost for North Carolina homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Fast facts about homes in North Carolina

  1. The Outer Banks is home to a Futuro house, a type of prefabricated house that looks like a flying saucer. As many as 100 were built between the 60s and 70s.
  2. North Carolina has a homeownership rate of 68.7%.
  3. North Carolina has been home to quite a few writers. The poet Carl Sandburg's home is located in Flat Rock, and Thomas Wolfe's hometown is Asheville.

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