{"id":323404,"date":"2025-11-14T06:20:44","date_gmt":"2025-11-14T11:20:44","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112578"},"modified":"2025-11-14T08:52:43","modified_gmt":"2025-11-14T13:52:43","slug":"best-in-north-carolina","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-north-carolina\/","title":{"rendered":"The Best Home Insurance Companies in North Carolina of 2025"},"content":{"rendered":"\n    <script src=\"\/\/insurance.mediaalpha.com\/js\/serve.js\"><\/script>\n\n                                    \n                            \n<script>\n\n    \/\/ Flag used to automatically load results if zipcode is present in URL\n    var loadResults = '' ? true : false;\n    var urlParams = [];\n    var correlationId = \"af01073e-53b9-4282-823d-53bdd65b0e6c\";\n\n    window.placement_id = 'mUwlKDtyKQ53FROgUE2Dqi_DIZaQ0Q';\n\n    var MediaAlphaExchange = {\n        data: {\n            zip: '',\n        },\n        placement_id: placement_id,\n        sub_1: '',\n        sub_2: '',\n        sub_3: '',\n        version: '17',\n    };\n\n    cohesion('ready', function() {\n        \/\/ Do something now that Cohesion is done\n        MediaAlphaExchange.sub_1 = window._Tagular.webContext.page.url;\n        MediaAlphaExchange.sub_2 = window._Tagular.webContext.sessionId;\n        MediaAlphaExchange.sub_3 = correlationId;\n\n    });\n<\/script>\n\n\n<div class=\"samepage-form\"  data-preamp=\"\" style=\"display:none\"   >\n    <div class=\"samepage-form__form\">\n            <script>\n    var insuranceType = 'home';\n<\/script>\n\n        <div class=\"samepage-form__fields\" >\n\n                <div class=\"samepage-form__form\" >\n            <div class=\"samepage-form__fields\" >\n            <div class=\"samepage-form__bottom\">\n                <h3 class=\"samepage-form__heading\"><\/h3>\n                <div class=\"samepage-form__form-group samepage-form__single-line\">\n                    <div class=\"samepage-form__input-container samepage-form__input-container_radios samepage-form__radio-container\">\n                        <label class=\"samepage-form__input-label\">Are you currently insured?<\/label>\n                        <div class=\"samepage-form__radio-group-input\" >\n                            <input id=\"radio-insured-yes\" type=\"radio\" name=\"currently_insured\" value=\"1\" checked >\n                            <label for=\"radio-insured-yes\" class=\"samepage-form__radio-input samepage-form1__radio-input-left\">Yes<\/label>\n                            <input id=\"radio-insured-no\" type=\"radio\" name=\"currently_insured\" value=\"0\"  >\n                            <label for=\"radio-insured-no\" class=\"samepage-form__radio-input samepage-form1__radio-input-right\">No<\/label>\n                        <\/div>\n                    <\/div>\n                    <div class=\"samepage-form__input-container\">\n                        <input id=\"samepage-form__grid-check-input\" class=\"samepage-form__zip-inputs\" name=\"zipcode\" type=\"text\" placeholder=\"Zip Code\" value=\"\" data-tag=\"fieldInput\"data-tag-field-type=\"INPUT\"data-tag-form-type=\"ZIPFORM\"data-tag-form-name=\"SERVICEABILITY\"\/>\n                    <\/div>\n                    <div class=\"samepage-form__input-container samepage-form__home-button\">\n                        <button id=\"samepage-form__grid-check-submit\" class=\"reviews-btn--primary\" data-tag=\"formSubmit\"data-tag-location=\"ZIPFORM\"data-tag-text=\"Compare Rates\"data-tag-outbound-url=\"{{current_url}}\">Compare Rates<\/button>\n                    <\/div>\n                <\/div>\n                <p id=\"samepage-form__grid-check-error-message\" class=\"samepage-form__error-message\">Please enter a valid zip code<\/p>\n            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n        <\/div>\n    <div id=\"samepage-form__grid\" class=\"samepage-form__grid\">\n        <div class=\"samepage-form__grid-results-info\">\n            <p id=\"samepage-form__grid-number\" class=\"samepage-form__grid__number\"><\/p>\n            <p class=\"samepage-form__grid-instructions\">Click at least <strong> 2-3 companies <\/strong> to find the very best rate.<\/p>\n        <\/div>\n        <ul id=\"samepage-form__grid-results\" class=\"samepage-form__grid-results\"><\/ul>\n    <\/div>\n<\/div>\n\n\n            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance Companies in North Carolina Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Our top North Carolina homeowners insurance picks remain financially strong; recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a> home insurance studies show mixed satisfaction amid rising premiums, but these carriers generally perform solidly on service and claims.<\/li>\n\n\n\n<li>Allstate could be a good choice for homeowners looking for heavily personalized coverage and robust digital tools.<\/li>\n\n\n\n<li>Travelers is often competitively priced with customizable options, though premiums vary widely by location (coastal vs. inland) and home profile.<\/li>\n<\/ul>\n\n\n\n<p>North Carolina homeowners insurance is available through many carriers, which means homeowners may benefit from guidance in helping choose which provider is best. Although North Carolina home insurance isn\u2019t mandatory (except if you have a mortgage), a policy can bring <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">homeowners<\/a> peace of mind knowing they\u2019re protected financially in case of an expensive and disastrous event. Recent market studies indicate that a typical North Carolina policy with $250,000 in dwelling coverage averages roughly $1,250\u2013$1,600 per year, and around $1,500\u2013$1,900 for $300,000 in coverage, depending on the home and location (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/north-carolina-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance\/north-carolina-home-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/north-carolina\">ValuePenguin<\/a>). The latest NAIC benchmark (2022 average expenditure; most recently published in 2024) also shows North Carolina remains below the national average but on an upward trajectory (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>We used current (2024\u20132025) rate studies and the latest NAIC baseline to map typical North Carolina premiums and applied an in-house methodology to compare discounts, coverages, and third-party evaluations to rank and review leading home insurance companies in the state. Given ongoing rate pressure and significant coastal variation, it may help to compare quotes from multiple carriers to find the best available rate for the coverage you need; note that in January 2024 the North Carolina Rate Bureau filed for an average 42.2% statewide homeowners increase, underscoring upward pressure on pricing (<a href=\"https:\/\/www.ncdoi.gov\/news\/press-releases\/2024\/01\/03\/nc-rate-bureau-files-422-average-homeowners-insurance-rate-increase\">NC Department of Insurance<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Home Insurance Companies in North Carolina<\/h2>\n\n\n\n<ul>\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>: Best North Carolina Home Insurance for Coverage and Bundling Savings<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best North Carolina Home Insurance for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\">Erie<\/a>: Best North Carolina Home Insurance for Strong Base Coverage and Value<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best North Carolina Home Insurance for Digital Tools and Coverage Options<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a>: Best North Carolina Home Insurance for Customizable Coverage and Discounts<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Home Insurance Companies in North Carolina<\/h2>\n\n\n\t\t\n<section id=\"block_5fa079137d058\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premiums*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fa079137d058-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,633<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>808<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa079137d058-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,421<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>889<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa079137d058-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,557<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa079137d058-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,961<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa079137d058-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,016<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>803<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2024\u20132025 sources cited; some third-party scores and rates may have changed since publication.<\/em><\/p>\n\n\n\n<p><em>*Average premium benchmarks incorporate recent studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/north-carolina-homeowners-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance\/north-carolina-home-insurance\">NerdWallet<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/north-carolina\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>**For current customer satisfaction results, see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a>. Based on each study\u2019s 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Savings\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide<\/h2>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Savings<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide insurance is popular among homeowners across the country. The provider is worth considering if you are looking for extensive coverage for your home and your belongings. Nationwide is a good option for homeowners who plan to renovate their property and for newly purchased homes.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,633*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">808**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide insurance is popular among homeowners across the country. The provider is worth considering if you are looking for extensive coverage for your home and your belongings. Nationwide is a good option for homeowners who plan to renovate their property and for newly purchased homes.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Brand New Belongings policy<\/li>\n                            <li>Wide range of discounts<\/li>\n                            <li>Better roof replacement<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower-than-average customer satisfaction<\/li>\n                                    <li>Mobile app not geared toward home insurance management<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better roof replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuables Plus<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home renovation credit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roof rating<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recent home purchase<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prior insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gated community<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Nationwide Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/life\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Life Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/nationwide-insurance-review\/\"><span style=\"font-weight: 400;\">Nationwide Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Average premium context reflects 2024\u20132025 market studies (see Bankrate, NerdWallet, ValuePenguin in the chart notes).<\/em><\/p>\n\n\n\n<p><em>**See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a> for current satisfaction scores (1,000-point scale).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, consider getting a quote from USAA as you search for great homeowners insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,421*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, consider getting a quote from USAA as you search for great homeowners insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Outstanding customer service<\/li>\n                            <li>Policies tailored to military family needs<\/li>\n                            <li>Competitive pricing<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to current and former military members and their families<\/li>\n                                    <li>Limited discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.usaa.com\/inet\/wc\/insurance_home_condo?akredirect=true\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home sharing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save up to 10% if you <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\"><span style=\"font-weight: 400;\">bundle<\/span><\/a><span style=\"font-weight: 400;\"> with auto\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system\/protective devices discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Average premium context reflects 2024\u20132025 market studies (see Bankrate, NerdWallet, ValuePenguin in the chart notes).<\/em><\/p>\n\n\n\n<p><em>**See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a> for current satisfaction scores (1,000-point scale).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Basic Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Basic Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie\u2019s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,557*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie\u2019s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Thorough base policy<\/li>\n                            <li>Offers flood insurance <\/li>\n                            <li>Great customer satisfaction ratings<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No mobile app for home insurance <\/li>\n                                    <li>Not many online capabilities<\/li>\n                                    <li>Can\u2019t file a claim online<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump overflow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity recovery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Service line protection<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Erie Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Average premium context reflects 2024\u20132025 market studies (see Bankrate, NerdWallet, ValuePenguin in the chart notes).<\/em><\/p>\n\n\n\n<p><em>**See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a> for current satisfaction scores (1,000-point scale).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                The Allstate mobile app and website is one of the carrier\u2019s greatest strengths. File and track claims, manage your coverage and get help digitally anytime you need it.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,961*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                The Allstate mobile app and website is one of the carrier\u2019s greatest strengths. File and track claims, manage your coverage and get help digitally anytime you need it.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Agents and offices <a href=\"https:\/\/agents.allstate.com\/usa\/nc\" rel=\"noopener\" target=\"_blank\">throughout<\/a> North Carolina<\/li>\n                            <li>Many unique coverage options<\/li>\n                            <li><a href=\"https:\/\/www.allstate.com\/support\/mobile-apps\/allstate-mobile.aspx\" rel=\"noopener\" target=\"_blank\">Allstate Digital Locker<\/a> helps you create a quick inventory of your household possessions<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher-than-average premiums<\/li>\n                                    <li>Lower than average customer satisfaction rating<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.allstate.com\/home-insurance\/optional-coverage.aspx\"><span style=\"font-weight: 400;\">Green home<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity fraud<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yard and garden<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jewelry\/valuable items<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic data recovery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Musical instruments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports equipment<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Welcome and loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New homebuyer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy pay plan<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Average premium context reflects 2024\u20132025 market studies (see Bankrate, NerdWallet, ValuePenguin in the chart notes).<\/em><\/p>\n\n\n\n<p><em>**See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a> for current satisfaction scores (1,000-point scale).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Cheap Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travelers<\/h2>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers homeowners insurance stands out for its bundling options and customizable coverage to suit your needs. You can find specific add-ons from green home to jewelry protection. The company also offers a discount for homeowners who haven\u2019t submitted a claim within a specified period.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,016*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">803**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers homeowners insurance stands out for its bundling options and customizable coverage to suit your needs. You can find specific add-ons from green home to jewelry protection. The company also offers a discount for homeowners who haven\u2019t submitted a claim within a specified period.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>National homeowners insurance coverage<\/li>\n                            <li>Multiple coverage options<\/li>\n                            <li>Discounts available for policy bundles and green homes<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Below average claims and customer satisfaction<\/li>\n                                    <li>You might have to complete purchase over the phone<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity fraud<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal articles floater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jewelry\/valuable items<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special personal property<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Travelers Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers auto insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.travelers.com\/home-insurance\/coverage\"><span style=\"font-weight: 400;\">Travelers homeowners insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Average premium context reflects 2024\u20132025 market studies (see Bankrate, NerdWallet, ValuePenguin in the chart notes).<\/em><\/p>\n\n\n\n<p><em>**See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance studies<\/a> for current satisfaction scores (1,000-point scale).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"Average Cost of Homeowners Insurance in NC\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in North Carolina<\/h2>\n\n\n\n<p>Recent market studies show that North Carolina homeowners with $250,000 in dwelling coverage typically pay about $1,250\u2013$1,600 per year on average, while $300,000 in dwelling coverage often ranges around $1,500\u2013$1,900. Actual premiums vary by county, construction, roof age, claims history and credit-based insurance scores, with coastal areas generally higher than inland (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/north-carolina-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance\/north-carolina-home-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/north-carolina\">ValuePenguin<\/a>). These ranges align with the most recent NAIC statewide benchmark (2022 average expenditure; published 2024), which confirms North Carolina remains below the national average but has risen alongside inflation and catastrophe costs (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>). Many coastal homeowners also carry separate wind\/hail coverage via the state\u2019s Coastal Property Insurance Pool (NC \u201cBeach Plan\u201d), increasing total cost (<a href=\"https:\/\/www.ncjua-nciua.org\/\">NCIUA<\/a>).<\/p>\n\n\n\n<p>North Carolina includes several islands such as Hatteras, Roanoke and Pleasure Island and is located along the Atlantic where hurricanes threaten landfall each year. In fact, the state is the <a href=\"https:\/\/universalproperty.com\/united-states-where-hurricanes-hit-most\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">third-most prone<\/a> to hurricanes in the country. However, more destructive hurricanes seem to skip the state which could be the reason average homeowners insurance rates in this state are comparatively lower&nbsp; \u2014 <a href=\"https:\/\/www.thoughtco.com\/north-carolina-hurricanes-583725\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">no Category 5 hurricanes<\/a> have ever hit North Carolina. Rate pressure has intensified statewide, with the North Carolina Rate Bureau seeking an average 42.2% homeowners increase in 2024 (under regulatory review), and coastal territories typically facing larger proposed changes (<a href=\"https:\/\/www.ncdoi.gov\/news\/press-releases\/2024\/01\/03\/nc-rate-bureau-files-422-average-homeowners-insurance-rate-increase\">NC Department of Insurance<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest1\" title=\"The Cheapest Homeowner Insurance Companies in NC\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in North Carolina<strong>&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*&nbsp;<\/strong><\/td><\/tr><tr><td>UNIVERSAL Ins CO Grp<\/td><td>$785<\/td><\/tr><tr><td>Bankers Ins Grp<\/td><td>$867<\/td><\/tr><tr><td>Kemper<\/td><td>$905<\/td><\/tr><tr><td>Lititz Mut Grp<\/td><td>$954<\/td><\/tr><tr><td>Lighthouse Prop Ins Corp<\/td><td>$954<\/td><\/tr><tr><td>North Carolina Farm Bureau<\/td><td>$982<\/td><\/tr><tr><td>Travelers<\/td><td>$1,016<\/td><\/tr><tr><td>Heritage Ins Holdings Grp<\/td><td>$1,017<\/td><\/tr><tr><td>State Auto Insurance<\/td><td>$1,066<\/td><\/tr><tr><td>MetLife<\/td><td>$1,267<\/td><\/tr><tr><td>USAA<\/td><td>$1,421<\/td><\/tr><tr><td>State Farm<\/td><td>$1,487<\/td><\/tr><tr><td>Erie<\/td><td>$1,557<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,633<\/td><\/tr><tr><td>United Ins Holdings Grp<\/td><td>$1,774<\/td><\/tr><tr><td>Allstate<\/td><td>$1,961<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Based on $250,000 in dwelling coverage; current statewide averages for this level typically range about $1,250\u2013$1,600, with higher costs in coastal counties (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/north-carolina-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/homeowners-insurance\/north-carolina-home-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/north-carolina\">ValuePenguin<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap2\" title=\"Top 3 Cheapest Homeowners Insurance Companies in NC\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in North Carolina<\/h2>\n\n\n\n<ul>\n<li><strong>It varies by county and profile<\/strong> \u2013 compare quotes from at least 3\u20134 insurers to find your lowest rate.<\/li>\n\n\n\n<li><strong>Inland vs. coastal<\/strong> \u2013 inland areas often price lower than coastal counties that may require separate wind\/hail coverage via the <a href=\"https:\/\/www.ncjua-nciua.org\/\">NC Beach Plan<\/a>.<\/li>\n\n\n\n<li><strong>Coverage level matters<\/strong> \u2013 for $250,000 dwelling, statewide averages trend in the low-to-mid $1,000s in recent studies; adjust deductibles and endorsements to optimize price.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"expensive\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in NC\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in North Carolina<\/h2>\n\n\n\n<ul>\n<li><strong>Coastal exposure<\/strong> \u2013 homes near the coast often see the highest premiums due to hurricane and wind risk and reinsurance costs.<\/li>\n\n\n\n<li><strong>Risk factors<\/strong> \u2013 older\/high-risk roofs, prior claims, and low deductibles tend to push premiums toward the high end.<\/li>\n\n\n\n<li><strong>All-in cost<\/strong> \u2013 some coastal homeowners purchase stand\u2011alone wind\/hail coverage in addition to an HO\u20113, increasing total annual spend.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for North Carolina Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in North Carolina<\/h2>\n\n\n\n<p>North Carolina is situated on the Atlantic Coast and has some perils homeowners may want to take into account when considering homeowners insurance choices. The state has been cited among states with higher shares of homes at risk of natural disasters (<a href=\"https:\/\/www.bizjournals.com\/triangle\/blog\/real-estate\/2015\/09\/n-c-ranks-no-4-for-homes-at-risk-of-natural.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">fifth place<\/a> in earlier analyses). The most common perils include:<\/p>\n\n\n\n<ul>\n<li><strong>Hurricanes<\/strong>: <a href=\"https:\/\/products.climate.ncsu.edu\/weather\/hurricanes\/statistics\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">84<\/a> storms since 1851, averaging one hurricane every two years.&nbsp;<\/li>\n\n\n\n<li><strong>Tornadoes<\/strong>: The \u201c<a href=\"https:\/\/www.fayobserver.com\/story\/weather\/2021\/06\/17\/tornadoes-north-carolina-what-know-understand-and-remember\/7427702002\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Carolina Alley<\/a>\u201d spanning North and South Carolina is the fourth-most-active tornado zone in the country. April to early June is the most dangerous season for tornadoes&nbsp; \u2014 although they can occur at any moment.&nbsp;<\/li>\n\n\n\n<li><strong>Wildfires<\/strong>: Robeson County was specifically named in the report of states most likely to get hit by a natural disaster as \u201cvery high risk&#8221; for potential damage from wildfires. <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Add-on home insurance coverage in North Carolina<\/h3>\n\n\n\n<p>It\u2019s primarily a matter of time before a natural disaster will occur in this state. While a <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">standard homeowners insurance policy<\/a> protects you financially against a variety of incidents, other perils must be insured separately. <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">Flooding<\/a> is one peril you will have to purchase separate <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\">coverage<\/a> for, and is especially important to consider if you live in a floodplain or near the coast. Under FEMA\u2019s Risk Rating 2.0, many policies see incremental premium changes up to statutory caps; compare NFIP and private flood options (<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">FEMA<\/a>). For wind and hail along the coast, some homeowners use the state Coastal Property Insurance Pool (NC \u201cBeach Plan\u201d) for separate coverage (<a href=\"https:\/\/www.ncjua-nciua.org\/\">NCIUA<\/a>).<\/p>\n\n\n\n<p>In addition, some homeowners insurance policies include a separate deductible for hurricanes, which may factor into your policy choices. While some private companies offer flood insurance, others will facilitate the purchase of this separate policy through a government program. Additionally, you may want to explore these resources on your own to prepare for potential floods, hurricanes, or other natural disasters that could affect your home:<\/p>\n\n\n\n<ul>\n<li><strong>FEMA<\/strong>: The federal government works with insurance companies and homeowners to provide affordable <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">flood insurance<\/a>.<\/li>\n\n\n\n<li><strong>Red Cross<\/strong>: The American Red Cross provides <a href=\"https:\/\/www.redcross.org\/get-help\/how-to-prepare-for-emergencies\/common-natural-disasters-across-us.html#all\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">online resources<\/a> to better prepare for disasters.&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.readync.org\/stay-informed\/north-carolina-hazards\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><strong>ReadyNC<\/strong><\/a>: The state-organized website offers preparedness kits, tools, resources and useful contact information in case of an emergency. <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">North Carolina Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_61141d8079b8a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average cost of homeowners insurance in North Carolina?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average homeowners insurance NC is $1,295 per year for $250,000 in dwelling coverage, which amounts to roughly $108 per month. <\/span><span style=\"font-weight: 400;\">The state\u2019s cost of coverage for North Carolina home insurance is lower than many of its neighboring states.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61141d9b79b8b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest homeowners insurance in NC?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2021 data from Bankrate.com, UNIVERSAL Ins CO Grp has the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheapest homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> rates in North Carolina, at $785 per year. The carrier\u2019s average rate is well below our findings of average homeowners insurance for the state overall, which is $1,295\u00a0 per year. <\/span><span style=\"font-weight: 400;\">To find the best rate for your needs, experts recommend you collect and compare several <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">home insurance quotes<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61141dbf79b8c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the best homeowners insurance in North Carolina?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Reviews.com compared <\/span><span style=\"font-weight: 400;\">North Carolina homeowners insurance<\/span><span style=\"font-weight: 400;\"> rates, customer reviews, policy offerings and financial strength ratings to determine that Nationwide, USAA, Erie, Allstate and Travelers have the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best home insurance<\/span><\/a><span style=\"font-weight: 400;\"> coverage in the state.<\/span><span style=\"font-weight: 400;\"> However, rates and provider fit will vary for each homeowner based on their specific needs and circumstances.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61141ddb79b8d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is home insurance required in North Carolina?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">North Carolina homeowners insurance<\/span><span style=\"font-weight: 400;\"> is not mandatory according to state law. However, if you have a mortgage on your home, your lender will likely require the coverage. The cost of coverage is comparatively small if your home and contents are lost or damaged in case of fire, storm, burglary and more.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers. Our analysis incorporates the latest NAIC-based benchmarks summarized by the Insurance Information Institute and current 2024\u20132025 market rate studies.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li>\n\n\n\n<li>Customer Satisfaction: With <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power\u2019s latest U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li>\n<\/ul>\n\n\n\n<p>Rates are based on quoted annual premiums from recent 2024\u20132025 market studies, including <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/best-home-insurance-in-north-carolina\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/best\/insurance\/homeowners\/north-carolina-homeowners-insurance\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/homeowners-insurance\/north-carolina-homeowners-insurance\">ValuePenguin<\/a>. These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report North Carolina homeowners insurance is available through many carriers, which means homeowners may benefit from guidance in helping choose which provider is best. Although North Carolina home insurance isn\u2019t mandatory (except if you have a mortgage), a policy can bring homeowners peace of mind knowing they\u2019re protected financially in case of an expensive [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353487,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best &amp; Cheapest Home Insurance Companies in North Carolina | Reviews<\/title>\n<meta name=\"description\" content=\"We looked at average annual premiums along with coverage policies and J.D. Power, AM Best, S&amp;P, Moody&#039;s, and BBB ratings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-north-carolina\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best &amp; Cheapest Home Insurance Companies in North Carolina | Reviews\" \/>\n<meta property=\"og:description\" content=\"We looked at average annual premiums along with coverage policies and J.D. 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