Bill Layne Insurance 🛡️ 📞 336-835-1993 Home > Blog > NC Insurance > Lower 2026 Premiums How to lower North Carolina homeowners premiums in 2026? 👤 By Bill Layne 📅 Updated: Feb 15, 2026 ⏱️ 4 min read THE SHORT ANSWER To lower NC homeowners premiums in 2026, check your "Consent to Rate" status (Limit it to 250%), raise your deductible to at least $2,500, bundle with auto, and install a fortified roof. In North Carolina, reviewing your policy for outdated "Coverage A" inflation can immediately save you 10-15%. 🚀 In a Hurry? Key Takeaways Rate Hikes are Real: NC Rate Bureau approved new hikes for 2026. Consent to Rate (CTR): This is the #1 hidden cost. Ask us to review yours. Deductib...