Name: Affinity Insurance Group
Address: 800 W Williams St, Apex, NC, 27502, US
Telephone: (919) 296-3787

Home insurance rates in North Carolina are changing, and we want to keep our clients informed about what’s happening and why.

📈 What’s Happening

As of June 1, 2025, the average statewide homeowner’s insurance premium increased by 7.5%.
Another 7.5% increase is scheduled for June 1, 2026.
Actual increases vary depending on where you live:

- Coastal Areas: Higher increases due to hurricane risk (up to 16% in 2025, plus another 15.9% in 2026).
- Inland Areas: More moderate increases, averaging around 7.5% in places like Durham and Wake Counties.

🌪️ Why Rates Are Rising

Natural Disasters – North Carolina has seen costly hurricanes and storms, leading to higher claim payouts.
Reinsurance Costs – Insurance companies themselves buy insurance (“reinsurance”). Those costs have gone up significantly nationwide, pushing premiums higher.
Statewide Settlement – The approved increases are part of a negotiated settlement between the N.C. Rate Bureau and the N.C. Department of Insurance. This settlement actually lowered the industry’s original request for much larger increases.

🏡 What This Means for You

Even if you haven’t filed a claim, rates are rising across the state.
Your increase will depend on your location and coverage details.
Bundling policies, updating coverage, and exploring discounts may help offset some of these changes.

✅ We’re Here to Help

At Affinity Insurance Group, our goal is to make sure you have the right coverage at the best possible rate for your home, auto, business, and life insurance needs.

👉 Call us today at (919) 296-3787 or for an expedited response, submit general requests through our Client Portal by clicking Contact Us.
On the client portal you can make payments, request policy changes, upload documents, download Auto ID Cards, and more.

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Homeowners Insurance
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Homeowners Insurance Information
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Vehicle Information
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Vehicle Information 5
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Extended Transportation Vehicle 5*
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Comprehensive Coverage?*
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Collision Coverage?*
Collision Deductible Preference*
Any customized equipment on fifth vehicle?*
Value of customized equipment*
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Life Insurance
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Coverage Amount $250,000, $500,000 or whatever amount preferred*
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Contact

Phone: (919) 296-3787

Fax: (919) 296-3788

Email: info@affinityinsurancenc.com

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Why Are Home Insurance Rates Increasing in North Carolina?