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North Carolina residents who bundle their home insurance with auto insurance can save even more! Here's how.*

north carolina homeowners insurance

Whether you own a home in Raleigh, Charlotte, High Point, or anywhere in between, the Tar Heel State offers a wealth of urban entertainment and outdoor recreation. With Esurance homeowners insurance in North Carolina, you can rest easier knowing that you and your belongings are safe from harm.

Homeowners insurance can provide you with the financial protection and peace of mind you need if life ever takes a wrong turn. So if a thief makes off with your laptop, or you get caught up in a lawsuit after a guest is injured in your home, homeowners coverage can help make sure you're not breaking the bank for expenses related to covered losses.

what our customers say


I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

— Linda, Nevada


Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

— Tommy, Nevada


The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

— Iola, Kansas

homeowners insurance savings in north carolina

Much like your state's culinary offerings — including the best biscuits and jam around, some especially saccharine tea, and Winston-Salem's very own Krispy Kreme donuts — Esurance offers some some sweet home insurance savings for you.

You can save money for things like having a new roof, or home safety devices like a deadbolt lock or smoke detector. Be sure to ask about all the ways you could pocket some extra cash when you get your quote.

basic coverages for north carolina home insurance

Unlike car insurance, homeowners insurance typically isn't required by law — but it's likely required by your lender if you've got a mortgage out on your home. Good thing an Esurance homeowners policy financially protects you, your dwelling, and so much more with a wide range of coverages tailored around your needs and budget.

Dwelling protection

North Carolina is no stranger to high winds, thunderstorms, or even tornadoes. In fact, NC averages 20 tornadoes a year, not to mention all the other precipitation and stormy weather that your locale receives on the regular.

All the more reason to look further into your policy's dwelling coverage, which financially protects you if your home needs to be repaired or rebuilt after a covered incident (like a windstorm or tornado). When looking at limits for this coverage, make sure you're selecting enough to fully cover the cost of completely rebuilding your house should the worst happen.

Personal property insurance

Almost 80,000 homes in North Carolina experienced a burglary in 2014. And although that number has been (thankfully!) decreasing over the last decade, that's still a huge number of incidents affecting thousands of individuals.

Luckily, personal property coverage from Esurance has your back, since it can pay to replace your personal belongings (such as clothes, furniture, electronics, and more) after a covered event like theft.

With that in mind, it's always a wise idea to keep a thorough home inventory of your belongings to help speed along the claim process should you need to make one.

More standard coverages

Thought the coverage stopped there? Think again — here's a sampling of other standard coverages on an Esurance homeowners insurance policy.

additional coverage options in north carolina

To provide North Carolina residents with a well-rounded homeowners policy, we offer myriad additional coverage options to help you customize a policy around your needs.

Identity theft coverage

Anyone who's experienced identity theft knows how hopeless it can feel as you try to piece your finances and reputation back together.

Luckily, when you add identity theft coverage to your Esurance home policy, we'll provide you with up to $10,000 for costs incurred while restoring your good name after a related incident. That includes access to your annual credit report and score, monthly credit file monitoring, and one-on-one help from an identity theft advisor.

Other optional coverage choices

Be sure to ask about these other optional coverages when you get your quote.

  • Ordinance or law increased amount of coverage
  • Additional coverage on jewelry, watches, and furs
  • Home day care coverages
  • Special computer coverage

Related links

Car insurance in the Tar Heel State
Be sure to get a quick, free quote for car insurance in North Carolina so you can explore all the perks Esurance has to offer our policyholders.

Does homeowners insurance cover mold and water damage?
Learn more about how your average homeowners insurance company typically treats claims surrounding mold and water damage your place.

Wonder if you could be saving on homeowners insurance?

Get your free quote online.

Or call 1-866-439-5633.