home in North Carolina

North Carolina Homeowners Insurance

Your home may be the largest investment you ever make. We can help you protect it.

Homeowners insurance is designed to cover damage to your property (the home itself and the things you keep in it). It also protects you against liability for accidents that injure other people or damage their property.

Policy Options

With several homeowner products[1] to choose from, there’s sure to be one that’s just right for you.

Plus Form he 00 07

special form ho 00 03

broad form ho 00 02

Dwelling (your home)

Plus Form he 00 07

  • Guaranteed replacement cost
  • Comprehensive perils coverage
  • 100% insurance to value required

special form ho 00 03

  • Replacement cost
  • Comprehensive perils coverage
  • 80% insurance to value required

broad form ho 00 02

  • Replacement cost
  • Named perils coverage
  • 80% insurance to value required

Other structures (structures detached from your home such as a garage, tool shed or gazebo)

Plus Form he 00 07

  • Replacement cost
  • Comprehensive perils coverage
  • 20% of dwelling limit

special form ho 00 03

  • Replacement cost
  • Comprehensive perils coverage
  • 10% of dwelling limit

broad form ho 00 02

  • Replacement cost
  • Named perils coverage
  • 10% of dwelling limit

Personal Property (your belongings)

Plus Form he 00 07

  • Replacement cost
  • $1000-$10,000 sub limits on various personal property items
  • Comprehensive perils coverage

special form ho 00 03

  • Actual cash value[2]
  • $200-$10,000 sub limits on various personal property items
  • Named perils coverage

broad form ho 00 02

  • Actual cash value[2]
  • $200-$10,000 sub limits on various personal property items
  • Named perils coverage

Loss of use

Plus Form he 00 07

If your home should become uninhabitable due to a covered loss, up to 20% of the dwelling amount will be paid for temporary living expenses.

special form ho 00 03

If your home should become uninhabitable due to a covered loss, up to 20% of the dwelling amount will be paid for temporary living expenses.

broad form ho 00 02

If your home should become uninhabitable due to a covered loss, up to 20% of the dwelling amount will be paid for temporary living expenses.

Liability

Plus Form he 00 07

Bodily injury, personal injury and property damage liability

special form ho 00 03

Bodily injury, personal injury and property damage liability

broad form ho 00 02

Bodily injury and property damage liability

Understanding the Insurance Lingo

Here are a few terms to know as you review the coverage options:

  • Replacement cost – replacement cost is the cost to rebuild or replace the house with comparable materials.
  • Guaranteed replacement cost – means your home will be restored completely to its original state following a covered catastrophe.
  • Actual cash value – an estimate of what the property or goods are worth (depreciation is factored) at the time of the accident or destruction of property. the property must be repaired or replaced before replacement cost coverage is paid.
  • Perils – that’s an event—such as a fire or theft—that causes damage to your property. either risks will be specifically listed (named perils coverage), or the policy will state that you’re covered against risks of direct physical loss, with the exception of those that are specifically excluded (comprehensive coverage). insurance for flood, earthquake, water and sewer backup damage, for example, must be purchased separately.

Contact an ERIE agent to learn more about ERIE's homeowners coverage, discounts, claims service and the price of these policies. your agent can help you decide which amount of protection makes the most sense for you.

  1. 1. 

    See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer or additional information.

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  2. 2. 

    Guaranteed Replacement Cost requires notice within 90 days of the start of any additions or remodeling over $50,000. Coverage of costs to comply with laws or ordinances is subject to limits. Replacement Cost payment requires repair or replacement of damaged or destroyed property.

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