There are a number of factors that make North Carolina's auto and homeowner's insurance unique to North Carolina.

North Carolina Auto Insurance

North Carolina's financial responsiblity law requires drivers to maintain 30/60/25 liability coverage. This means that the driver must carry $30,000 worth of per person bodily injury coverage, $60,000 worth of per accident bodily injury coverage, and $25,000 worth of property damage coverage.

Moreover, North Carolina is a "fault" state. Thus, you must be at fault in order for your insurance to pay for an accident. "No-fault" states are just the opposite; your insurance company is obligated to pay even if you were not at fault.

North Carolina Homeowner's Insurance

Homeowner's insurance can be expensive in North Carolina. Government statistics show that North Carolina ranks number 35 out of all states for the cost of homeowner's insurance. This makes is particularly important that homeowners in North Carolina receive the best price possible on homeowner's insurance.