Compare rates from Travelers, Progressive, Nationwide, NC Grange & 30+ carriers. Save up to 40% on your NC home insurance.
Independent agent serving all 100 North Carolina counties since 2005
A standard North Carolina homeowners policy (HO-3) protects your home, belongings, and finances from covered losses
Protects the physical structure of your home — walls, roof, foundation, built-in appliances, and attached structures like garages.
Covers your belongings — furniture, electronics, clothing, and more — whether damaged at home or anywhere in the world.
Pays for legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
If your home becomes uninhabitable after a covered loss, this pays for temporary housing, meals, and other extra living costs.
North Carolina faces unique weather threats from the coast to the mountains. Your homeowners policy should reflect these risks.
NC is one of the most hurricane-prone states on the East Coast. While standard policies cover wind damage, many coastal and inland counties require separate wind/hail deductibles. After recent major storms, rates have increased across the state.
Important: Flood damage requires a separate flood insurance policy.
NC experiences frequent hailstorms, especially in the Piedmont and foothills regions. Hail damage is one of the most common homeowners insurance claims in North Carolina, often causing costly roof and siding damage.
Tip: Check your wind/hail deductible — many NC policies now use percentage-based deductibles.
Standard homeowners insurance does NOT cover flood damage. With NC's rivers, creeks, and hurricane rainfall, flood insurance is critical — even for properties not in a FEMA flood zone. Inland flooding is a growing concern statewide.
We can help you find affordable flood coverage through NFIP or private carriers.
Unlike captive agents tied to one company, we shop Travelers, Progressive, Nationwide, NC Grange, Alamance, and dozens more to find your best rate.
By comparing multiple carriers side-by-side, our clients regularly save hundreds per year on their NC homeowners insurance premiums.
When you file a claim, we work FOR you — not the insurance company. We help document damage, follow up with adjusters, and fight for fair payouts.
Based in Elkin and serving NC since 2005, we understand the specific risks, building codes, and insurance regulations that affect North Carolina homeowners.
Not every home needs the same policy. We help you find the right coverage type for your situation.
The most common policy in NC. Covers your dwelling on an "open perils" basis (everything except what's specifically excluded) and personal property on a "named perils" basis.
Best for: Owner-occupied single-family homes
Premium coverage that protects both your dwelling AND personal property on an open perils basis. Offers the broadest protection available.
Best for: Higher-value homes with valuable belongings
Designed for condo owners. Covers your unit's interior, personal property, liability, and improvements you've made — complementing your HOA's master policy.
Best for: NC condo and townhome owners
Coverage for rental properties and investment homes. Protects the structure and your liability as a landlord. Does not cover tenant belongings.
Best for: NC landlords and rental property owners
Protects renters' personal belongings, provides liability coverage, and covers additional living expenses if the rental becomes uninhabitable.
Best for: NC renters in apartments or rental homes
Separate policy covering flood damage — not included in standard homeowners insurance. Available through NFIP or private flood carriers.
Best for: Any NC homeowner, especially near waterways
North Carolina homeowners insurance rates have been rising, but there are proven strategies to keep your premiums affordable
Combining your homeowners and auto insurance with the same carrier typically saves 10-25% on both policies. This is one of the easiest and most effective discounts available.
Alarm systems, smoke detectors, deadbolts, fire extinguishers, and water leak sensors can qualify you for protective device discounts of 5-15%.
A newer roof (especially impact-resistant shingles), updated electrical, plumbing, and HVAC systems can significantly lower your premium. Roofs over 15 years may face surcharges.
Increasing your deductible from $1,000 to $2,500 can save 10-15% annually. Just make sure you can afford the higher out-of-pocket cost if you file a claim.
Many carriers reward NC homeowners with no claims in the past 3-5 years. Avoiding small claims and paying minor repairs out of pocket can keep your rates low long-term.
This is where an independent agent shines. We compare 30+ carriers every year at renewal time to make sure you always have the most competitive rate in NC.
Serving all 100 NC counties from our Elkin office — quotes available by phone, email, or online
Protecting Charlotte-area homes from severe thunderstorms, hail, and rapid growth area risks. Competitive rates for NC's largest metro area.
Charlotte, Huntersville, Cornelius, Matthews, Mint Hill
Home insurance for the Triangle region. From new construction to historic homes, we find the right coverage for Raleigh-area homeowners.
Raleigh, Cary, Apex, Holly Springs, Wake Forest
Affordable homeowners insurance in the Triad region. Coverage tailored to Greensboro's mix of historic neighborhoods and new developments.
Greensboro, High Point, Burlington, Jamestown
Protecting Winston-Salem homeowners with competitive multi-carrier quotes. Deep knowledge of Piedmont Triad weather risks and local building codes.
Winston-Salem, Clemmons, Lewisville, Kernersville
Our home base. Expert coverage for foothills properties, including rural homes, mountain properties, and homes along the Yadkin River.
Elkin, Mount Airy, Dobson, Pilot Mountain
From the Yadkin Valley to Cabarrus County and everywhere in between. We serve all 100 NC counties with the same personalized attention.
Concord, Jonesville, Salisbury, Mooresville
North Carolina state law does not mandate homeowners insurance. However, if you have a mortgage, your lender will require coverage for the life of the loan. If you let your policy lapse, your lender can purchase "force-placed" insurance on your behalf — which is significantly more expensive and provides less coverage.
Unlike some states, North Carolina's homeowners insurance rates are regulated by the NC Rate Bureau. Carriers must file rates and get approval before changing premiums. Recent years have seen significant rate increases due to rising construction costs, increased storm activity, and inflation in building materials.
Many NC homeowners policies now include percentage-based wind/hail deductibles (typically 1-2% of your dwelling coverage) instead of flat dollar amounts. For a home insured at $300,000, a 1% wind/hail deductible means you pay the first $3,000 out of pocket for wind or hail claims. Understanding your deductible structure is critical before a storm hits.
If you cannot find homeowners insurance through the standard market (common in coastal NC), the NC FAIR Plan provides basic property insurance as a last resort. The NC Insurance Underwriting Association (Beach Plan) serves 18 coastal counties. Bill Layne Insurance can help you explore all options before resorting to the FAIR Plan.
We strongly recommend replacement cost coverage for your dwelling and personal property. Actual cash value (ACV) policies deduct depreciation, which means you receive far less when filing a claim on older items. The small premium difference between RCV and ACV coverage is well worth the investment.
NC homeowners insurance costs vary widely based on your home's location, value, age, roof condition, claims history, and coverage level. Coastal homes pay significantly more than inland properties. As an independent agent, we compare 30+ carriers to find the most competitive rate for your specific home. Call (336) 835-1993 for a free personalized quote.
Standard homeowners insurance covers wind damage from hurricanes, but many NC policies have separate wind/hail deductibles (often 1-2% of dwelling coverage). Flood damage from hurricanes is NOT covered — you need a separate flood insurance policy. We can help you understand your specific coverage gaps.
NC state law does not require homeowners insurance. However, your mortgage lender will require it for the life of your loan. Even without a mortgage, homeowners insurance is strongly recommended to protect your home, belongings, and personal liability. It is one of the most important policies you can carry.
Common discounts include: multi-policy bundling (auto + home), security alarm systems, claims-free history, new home, new roof, protective devices (smoke detectors, fire extinguishers), gated community, and loyalty discounts. We maximize every available discount by shopping 30+ carriers.
NC homeowners insurance covers sudden and accidental roof damage from storms, hail, fallen trees, and fire. It does NOT cover damage from normal wear and tear, neglect, or aging. Roofs over 15 years old may only receive actual cash value (depreciated) coverage. Keeping your roof maintained is critical for full coverage.
Standard homeowners insurance does NOT cover flood damage. If your property is in a FEMA flood zone, your lender will require flood insurance. Even outside flood zones, over 25% of flood claims come from non-flood-zone properties. Given NC's rivers, creeks, and hurricane rainfall, we recommend flood coverage for most homeowners.
Replacement cost pays to rebuild or replace damaged property at today's prices without deducting for depreciation. Actual cash value (ACV) subtracts depreciation based on age and condition. For example, a 10-year-old roof with ACV coverage may only pay 50-60% of replacement cost. We recommend replacement cost whenever possible.
Call Bill Layne Insurance at (336) 835-1993 or email Save@BillLayneInsurance.com immediately after a covered loss. We guide you through the entire process — documenting damage, filing with your carrier, communicating with adjusters, and ensuring you receive a fair settlement. For emergencies, secure your property to prevent further damage first.
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