Dwelling
Covers the physical structure of your home (walls, roof, foundation).
North Carolina home insurance
Your home.
Your belongings.
Your peace of mind.
Compare home insurance options with local help understanding your coverage and deductibles.
Get my home quote Questions? Call 336-835-1993Local guidance. Clear coverage choices.
Se Habla Español - Oficina en Dobson, NC
More options. One local team.
Compare home insurance with local guidance.
We compare 9+ home insurance carriers and markets, including Travelers, Nationwide, NC Grange, Alamance Farmers, Progressive, Universal Property, and NCJUA/NCIUA, based on your home and coverage needs.
Start with the right number
What would it cost to
rebuild your home?
Your rebuild cost and market value are different. Start with a simple estimate.
Dwelling coverage estimator
An educational estimate, not a quote or guarantee of coverage. Actual reconstruction costs and carrier requirements may differ.
Understand what protects your home.
Four important parts of your coverage.
Belongings
Protects furniture, electronics, and clothes, even when traveling.
Liability
Financial protection if someone gets injured on your property.
Loss of Use
Pays for hotels and food if a covered claim forces you to move out.
Coverage is subject to your policy’s terms, limits, deductibles and exclusions.
Free North Carolina Guide
Home insurance, explained simply.
Learn the six main parts of an HO-3 policy, what it often does not cover, and what to ask your agent before a claim.
Your home
Other structures
Your belongings
Living costs
Liability
Medical payments
Explore the HO-3 Coverage Guide
This guide is for education. Your policy forms, endorsements, and exclusions decide what is covered.
Focus on the details that matter.
Rebuild cost is not market value
Dwelling coverage should focus on what it may cost to rebuild the home, not what the tax card or real estate market says it is worth.
Use dwelling calculatorWind, hail, roof age and deductibles
North Carolina homeowners should review roof age, cosmetic damage terms, wind/hail deductibles, and whether older roofs are settled differently.
Example: A lower premium can hide a higher wind/hail deductible or a roof settlement limitation.
Water damage is not all the same
A burst pipe, sump backup, seepage, and outside flood can be treated very differently. Some need endorsements or a separate flood policy.
Example: Rising water from outside is usually flood, not standard homeowners insurance.
Policy form changes the answer
An HO-3, HO-5, HO-6, HO-7, DP-2, DP-3, renters policy, and flood policy do not protect the same things.
Compare policy formsWhy compare home coverage with an independent agency?
A good home policy is not just a price. It is the right rebuild number, roof and wind/hail terms, water backup choices, personal property protection, liability, and a carrier that fits your home.
Why 9+ home carriers matters
Home insurance appetite changes by roof age, claims history, distance to fire department, construction type, occupancy, and location. Comparing more home markets gives us more ways to solve underwriting problems without watering down coverage.
Compare My Home Coverage
Policy Form Compare
Compare home policy types
Pick two common policy types to see the practical differences in plain English. This helps explain why an HO-3, mobile home policy, DP-2, DP-3, condo policy, renters policy, or flood policy may not protect the same things.
Important: This is an educational guide. Actual coverage depends on the carrier form, endorsements, declarations page, exclusions, underwriting, and NC-specific policy language.
View the full policy comparison
NC Weather Risks
Hurricanes & Wind
Coastal storms can affect the entire state. Wind deductibles may apply.
Flood Zones
Standard policies do not cover floods. Ask us about NFIP policies.
Winter Storms
Frozen pipes and ice dams are common winter claims in NC.
Find your savings opportunities
- Bundle Auto + Home
- Security System
- New Roof
- Claims Free
- New Home Buy
- Gated Community
Availability and eligibility vary by carrier.
Your homeowner resource center
Before you renew
Review your current policy before you shop.
Home & property research
Find property cards, maps and home details.
Coverage guides
Understand the coverage questions worth asking.
Dropped or nonrenewed?
Trampoline, pool, dog or old outbuilding: keep the item, keep the policy.
Credit isn’t perfect?
An NC home insurer that rates the house, not your credit.
Got a consent-to-rate notice?
What the two prices on your renewal mean, and what to do.
View all homeowner resources
NC Grange Mutual Home Insurance
NC Grange Equipment Breakdown
NC Grange Inland Flood
NC Consent to Rate Explained
Dropped Over a Trampoline, Pool, Dog or Outbuilding
Home Insurance With Less-Than-Perfect Credit
Best Home Insurance in Surry County NC
Renters Insurance in Surry County NC
NC Auto + Home Options
Compare My Home Coverage
Use dwelling calculator
Compare policy forms
More tools
Property research Find county GIS parcels, property cards, aerial maps and flood resources by address
Before you renew Review your home policy before you shop for a new quote
Contents Use AI to draft a home inventory
Does Your Home Policy Have a Lawsuit Gap?
What to bring for a home quote
What should I have ready?
A few home and policy details help our team prepare your comparison.
1
Current declarations page
Shows your current coverage and premium
2
Mortgage company info
Lender name and loan number
3
Home details (age, sqft, roof year)
Approximate is fine if you're not sure
4
Any recent updates or renovations
New roof, HVAC, electrical, or plumbing
Don't have all of this? No problem. Call us and we'll walk you through it.
A little preparation
A clearer home inventory.
Walk room by room and use photos to help document your furniture, electronics, appliances, tools and valuables.
- Photograph your roomsCapture each room from a few angles.
- Review your draft listUse AI to help itemize visible belongings, then review and edit.
- Save your recordsAdd serial numbers or receipts and keep a backup copy.
AI can miss items. Review AI-generated lists for accuracy.
A few common questions
What does standard home insurance NOT cover?
Standard policies exclude floods, earthquakes, maintenance issues, and pest infestations. Flood insurance requires a separate policy.
How much dwelling coverage do I need?
You need enough to REBUILD your home at current labor and material costs, which is often different from your home's market value.
What is Replacement Cost vs ACV?
Replacement Cost pays for a new item. Actual Cash Value (ACV) pays for the item minus depreciation (what it's worth used). We recommend Replacement Cost.
Does home insurance cover flood damage in NC?
No. Standard homeowners insurance does not cover flood damage. You need a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private flood insurer. Even if you're not in a designated flood zone, over 25% of flood claims come from moderate-to-low risk areas. We can help you get a flood quote.
How does my roof age affect my home insurance rate?
Roof age is one of the biggest rating factors. A newer roof (under 10 years) can qualify for significant discounts. Roofs over 20 years may face higher premiums or limited coverage. Some carriers switch from replacement cost to actual cash value (ACV) for older roofs. If you've recently replaced your roof, make sure your agent knows — it could lower your premium.
What is a wind/hail deductible and do I need one in NC?
Many NC homeowners policies have a separate wind/hail deductible, often 1-2% of your dwelling coverage. This means if your home is insured for $300,000, your wind/hail deductible could be $3,000-$6,000 — much higher than your standard deductible. Given NC's exposure to hurricanes and severe storms, understanding this deductible is critical.
Should I bundle my home and auto insurance?
In most cases, yes. Bundling home and auto with the same carrier usually earns a multi-policy discount. However, as an independent agency, we sometimes find that splitting policies between two carriers actually saves more. We'll compare both options and show you how the two approaches compare.
What happens if a tree falls on my house?
Good news — a tree falling on your home is typically covered under standard homeowners insurance, whether it's your tree or a neighbor's. Your policy covers the structural damage and usually includes some coverage for debris removal. However, a tree that falls in your yard but doesn't hit anything is generally not covered. Preventive tree removal is also not covered.
Is homeowners insurance required by law in North Carolina?
North Carolina law does not require homeowners insurance by itself. If you have a mortgage, your lender will require it. Even if your home is paid off, coverage is still strongly recommended because one fire, storm, liability claim, or major water loss could put the full value of the home at risk.
Why is my NC homeowners insurance so expensive?
Premiums have risen because construction costs, severe weather losses, roof claims, and reinsurance costs have all increased. The best move is to compare multiple carriers, review your deductible, confirm roof and renovation updates, and check whether bundling or carrier-specific discounts truly help your situation.
Why compare 9+ home insurance carriers in North Carolina?
Home insurance companies view roof age, claims history, construction type, fire protection, occupancy, location, and weather risk differently. Comparing 9+ home insurance carriers and specialty markets gives our team more ways to match your home to the right coverage path.
Can a DP-2 policy be used for a primary home in North Carolina?
Yes, in some cases. DP policies are often used for rental, secondary, older, vacant, or hard-to-place homes, but in North Carolina some DP policies can also be used for primary homes through markets such as NCJUA. The right answer depends on occupancy, eligibility, underwriting, and endorsements.
What is the difference between HO-3 and DP-2 in NC?
An HO-3 is a standard homeowners package for many owner-occupied homes. A DP-2 is a broad named-peril dwelling policy, which means the cause of loss generally must be listed in the policy. DP-2 may not automatically include the same personal property, liability, or loss-of-use features as an HO-3.
Why should I create a home inventory before a claim?
A home inventory helps document what you owned before a fire, theft, tornado, or water loss. Room photos, serial numbers, receipts, and item lists can make the claim process easier and reduce the chance of forgetting important belongings.
Why Choose Us
An Independent Agent in Your Corner
While captive agents work for one company, we work for you.
9+
Carriers
We compare home insurers and specialty markets for you
21
Years
Protecting NC families since 2005
100
NC Counties
Licensed statewide from mountains to coast
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Rating
Trusted by your neighbors across NC
Real Homeowners. Real Savings.
NC Homeowners Who Made the Switch
These aren't actors. They're your neighbors who let us share their story.
Saved Big
SM
Sarah M.
Mount Airy, NC
"State Farm kept raising my rates every year. Bill shopped it and got me better coverage for way less. Plus when I had a claim, he actually answered the phone."
Switched from State Farm
Homeowners
Real Savings
DW
David W.
Elkin, NC
"Just bought our first home and the mortgage company needed insurance fast. Bill got us a great policy in one day and handled everything with the lender."
New Home Purchase
First-Time Buyer
Lower Rate
JK
Jennifer K.
Jonesville, NC
"Had a tree fall on my roof last winter. Bill walked me through the whole claims process and made sure I got fair treatment. That's worth more than the savings."
Claims Support
Storm Damage
Want to see if you could be our next success story?
Check My Rate (No Obligation)Your home deserves a thoughtful quote.
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