Homeowners across North Carolina are taking a closer look at insurance costs and coverage as changing rates put renewed focus on policy reviews.
Greensboro, NC – September 25, 2026 – North Carolina homeowners approaching their next insurance renewal have new reasons to review premiums, deductibles, replacement cost limits, and coverage options, as statewide property insurance rates continue to change.
North Carolina homeowners insurance base rates increased by an average of 7.5 percent on June 1, 2025, followed by another average 7.5 percent increase on June 1, 2026, under a settlement reached between the North Carolina Department of Insurance and the North Carolina Rate Bureau. The Rate Bureau had originally sought an average statewide increase of 42.2 percent, with requested increases reaching as high as 99.4 percent in some areas. Actual premium changes can differ according to territory, property characteristics, coverage selections, claims experience, and insurer…