North Carolina · Home Insurance
North Carolina Home Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for North Carolina home insurance.
State Avg Annual
$1,494
Regional Risk Factor
×1.00
State Code
NC
Estimated Premium
$4,258/ year
$355 per month · $280k dwelling
State base premium$3,429
Property value factor×1.17
Square footage factor×1.11
Coverage tier×1.00
Regional risk×1.18
About home insurance in North Carolina
The average homeowner in North Carolina pays $1,494 per year for home insurance. Regional risk factor: ×1.00 relative to the national average.