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Whether you’re living in Durham, Charlotte or the capital city of Raleigh, North Carolina offers a lovely mix of the northeast's temperate variety and the southeast's tropical charm. But no matter where you call home in the Tar Heel State, it’s crucial to have a homeowners insurance policy that provides the coverage you need.
Nationwide offers a variety of options at a price that fits your budget. And with our home insurance discounts, members can save even more on our affordable home insurance rates. Get a North Carolina home insurance quote and start protecting your home today.
North Carolina homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.Explore coverages & options
Brand New Belongings®
Repair or replace your covered possessions, regardless of age or condition.Get Brand New Belongings®
Homeowners insurance discounts
Making your policy more affordable.See how you can save
Bundle your insurance policies and save money
Trying to save up for that place in Emerald Isle? Want to be able to spend more on those camping trips in The Great Smoky Mountains? How about just saving money while protecting the things you care about most? Bundling your home insurance with your auto policy can save you up to 20 percent! You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything North Carolina has to offer.
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Find Nationwide Insurance near you in North Carolina
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Get a free North Carolina homeowners insurance review
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Frequently asked question
Is wind and hail insurance mandatory in North Carolina?
No. Depending on where you live and the insurance company's underwriting guidelines, windstorm and hail coverage may be excluded from the primary residential property insurance policy. Some property owners may purchase a separate windstorm and hail policy from the NCIUA.
Nationwide coverage in North Carolina
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.