Finding the best homeowners insurance in North Carolina doesn’t have to be difficult. Homeowners in North Carolina pay less on average on their insurance premiums when compared to other states because of many factors, however, if you live in a high-risk location you may find yourself paying more to protect your home. For example, if you live near a beach you may be more susceptible to peril than if your home is located in an urban area. Other factors that can affect the price of your homeowners insurance include the crime rate in your area, the deductible you select for your policy, the age of your home, your home's ability to withstand potential perils, and the dollar amount of your coverage plan. You can influence the price by adding additional coverage, adding safety features to your property, or by creating a bundle of two policies from the same insurer. The cheapest homeowners insurance in North Carolina is available in Asheville with the average homeowners insurance policy at only $80 per month or $1,006 per year. In contrast to this, Cary's homeowners spend a quarter of their income on housing, and with premiums averaging at $1516 a year; Cary is the most expensive city in the state for homeowners insurance. However, the average cost of home insurance with flood protection in North Carolina represents about 3% of the typical homeowner's housing expenses meaning insuring your home is affordable in North Carolina.