Where you live in North Carolina can have a direct effect on your homeowner's insurance rates. Someone living in Wilmington will pay on average about $ 300 more a year in homeowner's insurance premiums than someone living in Charlotte. For this reason it's essential that everyone living in the state take the time to compare prices before committing to any insurance company.
The best way to compare prices for your homeowner's insurance is to contact certain reputable companies in the state that offer this particular type of insurance. You should also do this if you are only looking for rental insurance. You'll want to have a list of the levels of coverage you are looking for. Express to each agent you speak with what type of policy you want and how much you want to be insured for. From there you can compare the quotes to choose one that is best for your situation.
It's a great idea to ask about a renew discount during the quotes process. Most people would like to find one homeowner's insurance company and stick with them. However, you may find that after the current term of your policy, that the insurance company will then raise your rates. By asking about a possible renewal discount before purchasing the policy you'll be better able to determine whether or not you'll need to be looking for insurance again in a year.
Many insurance companies offer discounts to clients who make certain home improvements including installing deadbolt locks or smoke detectors. You may even qualify for a rate reduction if you live near a fire hydrant or fire house. If you take the time to ask about all available discounts during the quote process you'll be able to determine which apply to your situation and how much they will realistically reduce your overall premiums.