Since North Carolina is a high-risk state during the hurricane season each year, having a home owner's insurance policy is crucial in protecting your home, its contents, and your valuables. Some areas in North Carolina are at a lesser risk for experiencing hurricane-related damage than other areas; therefore, these areas usually do not pay as high a premium for home owner's insurance as do other areas in the state. For example, the average home owner's insurance premium for Charlotte residents is $450-$500. Charlotte is a good bit inland and not as prone to hard hits from hurricanes. On the other hand, Wilmington, which is right by the water, costs its residents an average of $700 in home owner's insurance premiums. At the same time, Asheville, Greensboro, and Raleigh residents will pay lower home owner's insurance premiums than Fayetteville residents.

If you live in a North Carolina city that is close to the water, your home owner's insurance premiums will be higher, but you can take steps to keep them as low as possible – given your location – as well as steps to better protect and safeguard your home and belongings against such weather damage. A few ideas include installing stronger windows, durable roofs, and ridding your yard of nearby trees that could be blown into your house.

Not only will your North Carolina home owner's insurance quote vary from location to location, but it will also vary from company to company. Whether you have narrowed your choice down to one insurance company or are still considering two or three insurance companies, talk with each one about the steps you can take to make your home as safe as possible, as well as get the best coverage at the most affordable price.