Average Landlord Insurance Cost in North Carolina
Landlord insurance costs and rental property coverage considerations by state.
Estimated Annual Premium: $540 to $1230
Estimated Monthly Premium: $45 to $103
The range reflects typical variation. Your actual premium may fall outside this range based on location, property type, and insurer.
Quick Answer
How much is landlord insurance in North Carolina? About $540 to $1230 per year ($45 to $103 per month).
Higher property value and lower deductibles usually increase the modeled range in North Carolina.
Use the sample scenarios below to compare how deductible and value shift the estimate.
The modeled landlord estimate reflects how property value and deductible choices change risk. Location can shift the underlying loss patterns and rebuild/claim costs, which is why the range differs across North Carolina.
Sample Scenarios
See how property value and deductible affect the estimate:
- $150K Property Value, $1,000 Deductible
- $150K Property Value, $2,500 Deductible
- $150K Property Value, $5,000 Deductible
- $300K Property Value, $1,000 Deductible
- $300K Property Value, $2,500 Deductible
- $300K Property Value, $5,000 Deductible
- $500K Property Value, $1,000 Deductible
- $500K Property Value, $2,500 Deductible
- $500K Property Value, $5,000 Deductible
Landlord Insurance by State · Renters insurance in North Carolina · Home insurance in North Carolina · How We Calculate · Sources