North Carolina insurance regulator
The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.
Links checked Sep 12, 2026. Sites change — tell us if a link is broken.
This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.
- Bodily injury liability, per person
- $50,000
- Bodily injury liability, per accident
- $100,000
- Property damage liability
- $50,000
- Personal injury protection (PIP)
- Not required
- Uninsured motorist coverage
- Required
Up from 30/60/25 (S.L. 2023-133, as amended by S.L. 2024-29). UM bodily injury, UM property damage, and UIM are all required on new and renewed policies.
Source: N.C. Gen. Stat. § 20-279.21 Motor vehicle liability policy · N.C. Gen. Stat. § 20-279.21 · In effect since Jul 1, 2025 · Reviewed Sep 13, 2026
These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.
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Dwelling fire coverage, including windstorm, fire, lightning and vandalism.
Where: Statewide except the beach area
Claims: 800-662-7048
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North Carolina Coastal Property Insurance Pool Wind and beach pool
Homeowners and dwelling wind and hail policies along the coast, and dwelling fire policies in the beach area.
Where: 18 coastal counties
Claims: 800-662-7048
Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.
- NFIP claims, 2016–2025
- 32,329
- $1.3 billion paid
- NFIP claims in 2025
- 698
- $43.7 million paid
Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this
Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.