{"id":200,"date":"2026-11-11T11:00:00","date_gmt":"2026-11-11T11:00:00","guid":{"rendered":"https:\/\/www.obxlifestyles.com\/blog\/?p=200"},"modified":"2026-11-11T11:00:00","modified_gmt":"2026-11-11T11:00:00","slug":"north-carolina-home-insurance-trends-ahead","status":"publish","type":"post","link":"https:\/\/www.obxlifestyles.com\/blog\/2026\/11\/11\/north-carolina-home-insurance-trends-ahead\/","title":{"rendered":"North Carolina Home Insurance Trends Ahead"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/jean-paul-peron\/homeowners-insurance-profitability-remotion-videos-9015\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>North Carolina was among major homeowners markets that posted better underwriting results, with its direct combined ratio improving from &gt;100% to ~68% recently.<br \/>\nThat turnaround aligned with factors insurers used more broadly: sustained pricing adjustments, more precise underwriting, catastrophe risk modeling, and stronger claims management practices.<br \/>\nNorth Carolina also stood out in a broader population shift, adding 748K residents over five years and concentrating more insured property in weather-exposed areas.<br \/>\nThe state was among fast-growing markets that had at least one prior decade with direct loss and LAE ratios &gt;100%, underscoring volatility risk.<br \/>\nLooking ahead, North Carolina profitability depends on underwriting discipline, geographic concentration management, reinsurance purchasing, catastrophe modeling, and capital optimization across the homeowners market.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>North Carolina was among major homeowners markets that posted better underwriting results, with its direct combined ratio improving from &gt;100% to ~68% recently. That turnaround aligned with factors insurers used more broadly: sustained pricing adjustments, more precise underwriting, catastrophe risk modeling, and stronger claims management practices. North Carolina also stood out in a broader population [&hellip;]<\/p>\n","protected":false},"author":292,"featured_media":201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/posts\/200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/users\/292"}],"replies":[{"embeddable":true,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/comments?post=200"}],"version-history":[{"count":1,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/posts\/200\/revisions"}],"predecessor-version":[{"id":202,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/posts\/200\/revisions\/202"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/media\/201"}],"wp:attachment":[{"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/media?parent=200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/categories?post=200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.obxlifestyles.com\/blog\/wp-json\/wp\/v2\/tags?post=200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}