Is a 68.3 Percent Insurance Shock Coming for North Carolina Rentals and Who Pays the Price Locally?
Written by Peter Boykin on December 29, 2025
Is a 68.3 Percent Insurance Shock Coming for North Carolina Rentals and Who Pays the Price Locally?
#GoRightNews Shared by Peter Boykin
American Political Commentator / Citizen Journalist / Activist / Constitutionalist for Liberty
Is a 68.3 Percent Insurance Shock Coming for North Carolina Rentals and Who Pays the Price Locally?
A Quiet Rate Filing with Loud Consequences
Policy changes most residents have never heard of could quietly reshape housing costs across North Carolina, including in counties like Alamance. The North Carolina Rate Bureau has proposed an average 68.3 percent increase in dwelling insurance rates for non owner occupied residential properties. These are not homeowner policies. They primarily cover rental homes, investment properties, and small multi unit residences.
If approved in full, the increase would be phased in over two years, beginning mid year, with two consecutive statewide jumps averaging 28.3 percent each. State regulators are pushing back, but the proposal is now headed toward a public hearing in Raleigh.
This matters because insurance costs do not stay neatly inside insurance offices. They ripple outward into rent prices, housing availability, and local economic pressure.
What the Rate Bureau Is Arguing
The Rate Bureau says the increase is driven by rising losses tied to extended coverage claims. These include wind, hail, and weather related damage rather than fire losses. According to the filing, rebuilding costs, labor shortages, material prices, and claim adjustment expenses have all climbed sharply.
Fire related losses, by contrast, are projected to decline slightly. In other words, the traditional image of insurance risk does not match the actual data being cited.
The proposal would not apply evenly across the state. Rates vary by territory, construction type, and coverage mix. That means even within a single county, different landlords could see very different outcomes.
State Regulators Are Not on Board
Insurance Commissioner Mike Causey has made clear that the Department of Insurance does not agree with the proposed increase. Under state law, that disagreement triggers a formal public hearing.
A similar standoff occurred in a previous rate case when the Rate Bureau sought a more than 50 percent increase. That request ultimately resulted in a negotiated settlement of roughly 8 percent. History suggests that filings often start high and come down through scrutiny.
Still, there is no guarantee of the same outcome this time.
How This Hits Counties Like Alamance
Alamance County has a significant number of rental properties, small landlords, and mixed-use residential investments. Dwelling insurance increases hit these properties directly.
When insurance premiums rise sharply, landlords face three basic choices. Absorb the cost. Pass it on through higher rents. Or reduce investment in maintenance and upgrades. None of those options are good for housing stability.
Renters often feel the impact first, even though they have no direct relationship with the insurance market. Over time, higher costs can also reduce the supply of affordable rentals, particularly for smaller operators who cannot spread risk across large portfolios.
What Local Officials Can and Cannot Control
This is where accountability needs to be precise, not emotional.
Local officials in Alamance County do not set insurance rates.
They do not approve Rate Bureau filings.
They do not control the Department of Insurance or the outcome of the state hearing.
Blaming county commissioners or town councils for the proposed rate increase itself would be inaccurate.
However, local officials are not powerless.
They are responsible for how these pressures compound at the local level. Zoning policies, permitting delays, inspection backlogs, and regulatory layering can all magnify cost increases coming from outside the county. When insurance rises and local friction remains high, housing stress accelerates.
Local governments can also gather and submit data, encourage public comment, and communicate clearly with residents about how state level decisions affect local housing markets. Silence is not neutrality. It is abdication.
Responsibility Without Scapegoating
In a Constitutional Republic, responsibility flows according to authority. The state controls insurance regulation. The Rate Bureau proposes. The Department of Insurance reviews. The courts stand ready if disputes escalate.
Local officials are responsible for protecting residents from compounded harm, not for pretending they control forces they do not.
That distinction matters because when blame is misassigned, accountability disappears. Residents stop pushing in the right direction. Officials stop explaining the limits of their power. And real leverage points go unused.
Why Public Participation Still Matters
Residents do not need to attend the hearing to be heard. Written comments are accepted by the Department of Insurance and become part of the official record.
For landlords, renters, and property owners in Alamance County, this is an opportunity to explain how rate increases interact with local conditions. Real examples matter more than slogans.
Previous cases show that public input and regulatory scrutiny can materially change outcomes.
Is Housing Getting More Expensive Because No One Is Guarding the Middle Layer of Power?
#GoRight with Peter Boykin Commentary
Housing does not become unaffordable all at once. It tightens quietly, one added cost at a time, until families wake up wondering how something ordinary became unreachable.
A proposed insurance rate hike sounds abstract. Bureaucratic. Technical. Something that belongs in a filing cabinet in Raleigh. But what happens next is never abstract. Insurance costs move. Landlords react. Rent adjusts. Maintenance gets delayed. Investment dries up. Renters pay the difference, even though they never signed the policy.
This is how economic pressure actually works in a Constitutional Republic. Not through dramatic votes or viral speeches, but through layered decisions where everyone controls a piece and no one wants to own the outcome.
The state controls insurance regulation. The Rate Bureau proposes. Regulators review. Courts arbitrate if necessary. That structure exists for a reason. It is supposed to slow down power, force evidence into the open, and prevent raw pressure from becoming policy by default.
But here is the problem. Between the state and the renter sits a wide middle layer of government and local authority. Counties. Cities. Planning boards. Inspection offices. Zoning commissions. Permit desks. This layer does not set insurance rates, but it absolutely determines how painful rate increases become.
When insurance rises and local friction stays high, costs stack instead of spreading. A landlord facing higher premiums who also faces months long permit delays, restrictive zoning, inconsistent inspections, and rising local fees has only so many levers left. None of them are charitable.
This is where blame gets sloppy and accountability evaporates.
It is wrong to claim county officials caused the insurance filing. They did not. It is equally wrong for local officials to shrug and say this is out of our hands. It is not fully in their hands, but it is not outside their reach either.
Responsibility follows authority. That is the constitutional principle everyone forgets when outrage gets loud.
Local officials cannot control the rate bureau, but they can control how efficiently housing can adapt. They can control whether small landlords are treated like adversaries or contributors. They can control whether compliance costs compound stress or soften it. They can control whether public communication is honest or evasive.
When those officials stay silent, residents fill the gap with assumptions. When officials misdirect blame upward without addressing their own role, trust erodes. And when everyone waits for someone else to fix it, the market does what markets always do under pressure. It hardens.
Renters feel this first. Not because they are irresponsible, but because they sit at the end of the decision chain. They absorb costs they never approved, created, or even understood until the notice arrived.
This is why public participation matters, even when it feels futile. Rate hearings matter because they force numbers into daylight. Local commentary matters because it shows how statewide decisions land unevenly on specific communities. Silence does not protect residents. It protects inertia.
A Constitutional Republic only works when power is examined at every level, not just the level that makes the news. The middle layer of government is where most damage quietly accumulates. It is also where most relief could occur, if officials chose clarity over cover.
Housing affordability is not collapsing because of one villain. It is tightening because responsibility has been diluted across layers until no one feels obligated to intervene early.
If local officials want to lead, this is the moment. Explain what you control. Fix what you can. Speak plainly about what you cannot. Push data upward instead of passing blame sideways.
And if residents want stability, this is also the moment. Demand precision. Reject slogans. Insist that every layer of power answer for the authority it actually holds.
Because when no one guards the middle, pressure always falls downward. And once housing slips out of reach, it does not come back quietly.
A proposed 68.3 percent increase in North Carolina dwelling insurance rates could ripple into rental prices and housing stability across counties like Alamance. This article explains what the proposal means, who is responsible, who is not, and where local officials still have leverage.
#GoRightNC, #AlamanceCounty, #HousingCosts, #InsuranceRates, #RentalHousing, #LocalGovernment, #NorthCarolina, #ConstitutionalRepublic, #PublicAccountability
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