Legend has it that the first nugget of gold ever found in the United States was in Charlotte, North Carolina. And while the gold rush of the 1800s quickly moved its way west, Charlotte has never really lost its sparkle.

As the most populous city in North Carolina (sorry, Raleigh), it’s no surprise that Charlotte has seen an influx of transplants in recent years. Hippo is honored to be on that list, as we recently started offering home insurance in Charlotte. Read on to learn more about getting protection for your Queen City home.

How much is home insurance in Charlotte?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Home insurance in Charlotte is $1,716 per year, according to Insurance.com. That's about the same price you’d pay for 100 orders of Burgushi® rolls — a sushi and burger combo made famous by The Cowfish, a well-loved Charlotte chain.

If you put in 100 orders of Burgushi® rolls at The Cowfish, a Charlotte-favorite chain, you’ll be shelling out about the same amount you’d pay for a whole year of home protection.

How does this compare to the average home insurance cost in North Carolina? You’ll find yourself paying around $500 more each year than if you live in other portions of the state. This is likely due to premium factors such as your home’s proximity to the coast, its age, current condition, and susceptibility to natural disasters.

Charlotte Home Insurance Premiums

What does home insurance in Charlotte, NC cover?

Home insurance in Charlotte will protect your home’s structure, contents, and personal liability throughout the life of your policy. This means if you host a party at your house to watch the Panthers play and a guest falls in your home, breaking their leg and a piece of furniture in the process, your insurance policy will likely cover you to replace the item and will even help you pay any resulting legal or hospital fees.

However, a standard policy isn’t a one-stop shop for total protection. If you want coverage for other structures on your property, to be protected from specific natural disasters, or to get more monetary protection for high-value items, you’ll need to add on the right insurance riders. 

Unsure what riders will help you get the protection you want? Check out our home insurance learn center for more information, or chat with your agent to get personalized recommendations.

Charlotte Insurance Coverage Options

Traditional coverage


Supplemental coverage


What Charlotte residents need to know

If you search for “natural disaster risks in North Carolina,” you’ll see a lot of nerve-wracking information. While this coastal state does have a high risk for tropical storms, hurricanes, flooding, and even snowstorms, if you settle down in Charlotte, you’re a lot safer than you might think.

Given how far inland Charlotte is within the state, it’s considered a pretty safe place to own a home when it comes to natural disasters. In fact, Aceable ranked it as the seventh safest city in the U.S. for natural disasters, with low risks for earthquakes, fires, and tornadoes. But that doesn’t mean you’re totally out of the woods.

With other serious weather risks like flooding and severe storms on the horizon, it’s crucial for Charlotte homeowners to make sure they aren’t underinsured. From reviewing your policy on a yearly basis to always updating your policy when renovations are completed or other high-dollar items are brought into the home, taking steps to fully protect your home will save you from a lot of headaches later on.

How to lower your homeowners insurance

Looking to save a bit on your home insurance without sacrificing coverage?

You’re in luck because with a few updates and preventative measures, you can shave off valuable dollars from your home insurance premiums without lowering your protection level or dropping riders from your contract.

The best way to lower your home insurance premium is to update your home to make it safer and therefore less of a “risk” to insure in the eyes of your provider.

Smart home devices like security cameras, water leak detectors, and smart gas shutoff systems are all great ways to easily monitor your home from afar and possibly get your rates down.

Other ways to show your provider that you are taking care of your home (and possibly lower your rate) include keeping up with regular home maintenance and getting your HVAC serviced routinely. This way, if you do have to make a claim, you have proof of all the ways you’ve cared for your home.

Whether you’ve bought a home in NoDa or the First Ward, you’ll want home insurance. Learn more about how we stomp out the competition by getting a quote today.

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