Homeowners insurance availability in North Carolina
North Carolina ranked third nationally for homeowners non-renewals in 2023 federal data, with 13 inland counties among the top 100 nationally, showing the crisis is not only coastal.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Farmers Insurance · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance
Tracked activity in North Carolina
NCDOI settles homeowners rates at 7.5% plus 7.5% over two years
The commissioner negotiated the 42.2% homeowners request down to 7.5% effective June 1, 2025 and 7.5% effective June 1, 2026, capped at 35% in any territory, with no new rate requests permitted before June 1, 2027.
Source: North Carolina Department of Insurance · verified 2026-07-02
NCDOI settles dwelling rate request at 8% average increase
The commissioner negotiated the Rate Bureau’s 50.6% dwelling rate request down to an 8% average statewide increase effective November 1, 2024.
Source: North Carolina Department of Insurance · verified 2026-07-02
NC Rate Bureau files for 42.2% average homeowners rate increase
The North Carolina Rate Bureau filed a request seeking an average statewide homeowners increase of 42.2%, with proposed increases up to 99.4% in some territories.
Source: North Carolina Department of Insurance · verified 2026-07-02
NC Rate Bureau requests 50.6% dwelling policy rate increase
The North Carolina Rate Bureau filed for an overall 50.6% rate increase on dwelling policies covering non-owner-occupied residences of up to four units.
Source: North Carolina Department of Insurance · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The North Carolina non-renewal playbook