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North Carolina Home Insurance

Put Your Home In Good Hands.

With gorgeous weather and scenery all over the state, it's easy to find your dream home in North Carolina. Choosing quality North Carolina homeowners insurance to help protect your place can be just as simple.

With an Allstate home insurance policy, you'll have the support of a local, dedicated agent who's there for you, in Charlotte, Raleigh, Asheville and beyond. Find your agent to discuss the ways you can protect your home and family in North Carolina with homeowners insurance.

Home insurance information is based on your current location in North Carolina.

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US map with North Carolina highlighted.

What Does Home Insurance Protect?

You can help protect your home's physical structure, your belongings and even your family with home insurance. Most Allstate home insurance policies in North Carolina include standard coverage, like:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Get Added Protection.

Most home insurance policies don't include protection from flood and earthquake damage. If you're interested in safeguarding your home from flood damage, think about purchasing a separate flood insurance policy.

You may also consider personal umbrella insurance for additional liability protection in North Carolina. This type of policy offers liability coverage beyond your current home and auto policy limits, so it can help protect your finances if you're sued over a covered loss.

Find an agent for more information about additional policies and optional coverage that could help protect what's important to you.

You Can Depend On Your Local North Carolina Agent.

With Allstate home insurance, you can expect more than just quality coverage. You'll also benefit from the support of a knowledgeable local agent who understands the needs of homeowners in the Tar Heel State. Your North Carolina home insurance agent can:

Find an agent who can answer your questions about North Carolina home insurance..

Home Insurance Discounts In North Carolina.

With Allstate, you can save on North Carolina home insurance. There are many discounts available to help you lower your premium. Talk to your agent for information about the home insurance discounts that could help you save.

Learn more about Allstate home insurance discounts.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
Flood insurance available from the National Flood Insurance Program (NFIP).

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