The average cost of homeowners insurance in North Carolina is $2,325 per year, or about $194 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in North Carolina. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Why you can trust NerdWallet

The best homeowners insurance in North Carolina
Several of NerdWallet's Best Home Insurance Companies offer policies in North Carolina. Here they are, along with their average annual premiums:

Company

NerdWallet star rating

Average annual rate

State Farm

5.0NerdWallet rating 
$1,335

Erie

5.0NerdWallet rating 
$3,105

Farmers

5.0NerdWallet rating 
$3,115

Nationwide

4.5NerdWallet rating 
$2,350

USAA*

5.0NerdWallet rating 
$1,855

*USAA homeowners policies are available only to active-duty military members, veterans and their families.

More about the best home insurance companies in North Carolina
See more details about each company to help you decide which one is best for you.

insurance-product-card-logo
State Farm
5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
The largest homeowners insurer in the U.S., State Farm has competitive rates and a strong track record for customer service. The company has drawn fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.

You may be able to save on your premium if you bundle multiple State Farm policies or have fire, smoke or burglar alarms in your home.

Read NerdWallet’s State Farm home insurance review to learn more.

insurance-product-card-logo
Erie
5.0

NerdWallet rating 
Best for homeowners who want to work with an agent.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
Founded in 1925 in Pennsylvania, Erie sells policies in a dozen states, including North Carolina. The company draws fewer complaints than expected for an insurer of its size, according to the NAIC.

Erie can cover your personal belongings on a “replacement cost” basis. Say someone breaks in and steals your gaming laptop, which you bought for $1,000 a couple of years ago. If your stuff is covered on an “actual cash value” basis, your insurer would pay only what the laptop was worth at the time of the theft — which might not be enough to buy a new replacement. Replacement cost coverage ensures you’ll receive enough to buy a new laptop (minus your deductible).

Read our Erie home insurance review to learn more.

insurance-product-card-logo
Farmers
5.0

NerdWallet rating 
Farmers includes coverage some other insurers charge extra for.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

You may be eligible for a discount if you go without filing a claim for at least three years.

Read our Farmers home insurance review to learn more.

insurance-product-card-logo
Nationwide
4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Great set of discounts
NAIC complaints
Close to expected
A standard Nationwide home insurance policy may include ordinance or law coverage. So if you need to bring your home up to current building codes as part of a claim, Nationwide pays some or all of the costs. Nationwide may also cover unauthorized credit or debit charges as part of its standard policy.

Beyond the standard coverage, you can choose other options to customize your homeowners policy. For example, you may want to add coverage for identity theft or damage from backed-up sewers and drains.

Learn more with our Nationwide home insurance review.

insurance-product-card-logo
USAA
5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
Below average
Discounts
Average set of discounts
NAIC complaints
Far fewer than expected
USAA sells homeowners policies only to veterans, active members of the military and their families. If you fit into one of those groups, USAA’s policies are worth considering.

The company offers perks specifically for military members, including deductible-free coverage for military uniforms and coverage for personal belongings in a war zone. It also includes replacement cost coverage for all personal belongings, which means you’ll get enough to buy new replacements if your stuff is stolen or destroyed.