Choose your home wisely. If you're getting ready to move to North Carolina, or are already a resident looking to relocate within the state, choose your home with care. Actually, choose the location of your home with care. Some parts of the state are susceptible to more severe weather than others, which means the homes in those parts are more susceptible to weather-related damage, too. For example, Wilmington residents are more likely to pay higher homeowner's insurance premiums than Charlotte residents. Why? They are closer to the water, i.e. closer to storms.

Safeguard your home against hurricane and storm damage. If you aren't willing to choose a home – or relocate – based on saving money on North Carolina homeowner's insurance, you can take steps to safeguard your home against hurricane and storm damage. Obviously having sturdy home and garage doors, as well as strong windows, helps. However, you should check local building codes to make sure your home is up-to-date with what's required. These building codes were most likely created with storm-resistance in mind. You may also want to talk to your neighbors about the kinds of safety precautions they take – especially if you're new to the area.

Be selective when it comes to the homeowner's insurance company. Most people don't want to be considered a snob, but when it comes to keeping a homeowner's insurance company from gouging your bank account, it's alright to be selective. Choose a reputable insurance company with a strong financial rating. Make sure the insurance company is licensed to sell homeowner's insurance in North Carolina; otherwise, you could end up losing more money than you save should you have claim and settlement problems with them. As long as the company is licensed in North Carolina, the state can assist you with any problems.