North Carolina insurance market
Top carriers writing residential and condominium lines in North Carolina, with market share. Share is computed within this state and line from filed market data.
| # | Carrier | Policies in force | Premium written | Market share |
|---|---|---|---|---|
| 1 | FM GLOBAL GRP | — | $49.6M | 14.1% |
| 2 | TRAVELERS GRP | — | $49.2M | 13.9% |
| 3 | ZURICH INS GRP | — | $46.7M | 13.3% |
| 4 | FARMERS INS GRP | — | $34.6M | 9.8% |
| 5 | UNITED SERV AUTOMOBILE ASSN GRP | — | $33.5M | 9.5% |
| 6 | FRONTLINE INS GRP | — | $32.3M | 9.2% |
| 7 | BERKSHIRE HATHAWAY GRP | — | $31.6M | 8.9% |
| 8 | ASSURANT INC GRP | — | $26.1M | 7.4% |
| 9 | NORTH CAROLINA FARM BUREAU GRP | — | $25.8M | 7.3% |
| 10 | SELECTIVE INS GRP | — | $22.9M | 6.5% |
- 1.FM GLOBAL GRP
- Policies
- —
- Premium
- $49.6M
14.1% - 2.TRAVELERS GRP
- Policies
- —
- Premium
- $49.2M
13.9% - 3.ZURICH INS GRP
- Policies
- —
- Premium
- $46.7M
13.3% - 4.FARMERS INS GRP
- Policies
- —
- Premium
- $34.6M
9.8% - 5.UNITED SERV AUTOMOBILE ASSN GRP
- Policies
- —
- Premium
- $33.5M
9.5% - 6.FRONTLINE INS GRP
- Policies
- —
- Premium
- $32.3M
9.2% - 7.BERKSHIRE HATHAWAY GRP
- Policies
- —
- Premium
- $31.6M
8.9% - 8.ASSURANT INC GRP
- Policies
- —
- Premium
- $26.1M
7.4% - 9.NORTH CAROLINA FARM BUREAU GRP
- Policies
- —
- Premium
- $25.8M
7.3% - 10.SELECTIVE INS GRP
- Policies
- —
- Premium
- $22.9M
6.5%
Residual market
Residual market
Insurer-of-last-resort exposure — the coverage carriers declined.
- Policies
- 513,342
- Exposure
- $209.3B
- Premium written
- $1B
Plans: FAIR / beach-plan stats (III · PIPSO) · as of 2024-12-31
Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice — figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
Comparing coverage for your association?
Get quotes from a Florida-licensed P&C producer who specializes in community associations. Common Elements is a marketing service that connects you with a licensed agent — we don’t quote, bind, or sell coverage, and this page is reference data, not insurance advice.
Request quotes