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Your Home Is Important, Make Sure It’s Protected

Your Home Is Important, Make Sure It’s Protected

Home insurance is an important aspect of homeownership, as it provides protection against financial losses due to unforeseen events such as fires, natural disasters, and theft. However, owning home insurance in North Carolina can differ from other states.

Differences in House Insurance in N.C. vs. Other States

Differences in House Insurance in N.C. vs. Other States

One major difference is the frequency of natural disasters in North Carolina. The state is prone to hurricanes, flooding, and severe thunderstorms, which can cause significant damage to homes. In fact, North Carolina ranks among the top ten states for the number of hurricane landfalls. This increased risk means that home insurance in North Carolina may be more expensive than in other states with lower risk levels.


Little-known facts about Homeowners Insurance

Little-known facts about Homeowners Insurance

North Carolina has unique insurance regulations that can affect the cost and coverage of home insurance. The state has a "wind pool" that provides coverage for wind and hail damage in coastal areas. This can result in higher premiums for homeowners in these areas. North Carolina also has a "beach plan" that provides coverage for properties in areas at high risk of hurricane damage, which can add an additional layer of protection for homeowners but also comes with its own costs.

What's the Average Cost of Home Insurance in North Carolina?

What's the Average Cost of Home Insurance in North Carolina?

According to the National Association of Insurance Commissioners, the average cost of homeowners insurance in North Carolina is slightly lower than the national average. However, the cost can vary significantly depending on factors such as location, age and condition of the home, and the amount of coverage desired.



It's also worth noting that North Carolina is one of the few states that still uses the "contributory negligence" system for personal injury lawsuits. This means that if a homeowner is found to be even slightly at fault for an accident on their property, they may be unable to collect any damages from the other party's insurance. This highlights the importance of having adequate liability coverage in a home insurance policy.

Why We're Different

Why We're Different

Owning home insurance in North Carolina can come with unique challenges and costs due to the state's high risk of natural disasters and unique insurance regulations. Homeowners should carefully consider their coverage needs. Reach out to Walker Insurance to assist you find the policies that provide the best value for your specific situation.