Insurance Advantage & LMA Financial Services
1200 West Main Street, Jacksonville, AR 72076
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1200 West Main Street, Jacksonville, AR 72076
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jacksonville residents.
Jacksonville, NC homeowners face $6,330+ annual premiums due to hurricane risk. Learn about flood insurance, military housing coverage, and rate hikes.
Even if you're not in a high-risk flood zone, flood insurance is worth considering. About 25% of flood claims come from moderate-to-low risk areas, and you're not required to have it by your lender outside of Special Flood Hazard Areas. Premiums are much cheaper in lower-risk zones, often $400-600 annually. With Jacksonville's coastal location and hurricane exposure, that's affordable protection against an expensive surprise.
Active duty military can maintain vehicle registration in their home state, but when driving in North Carolina, you must meet North Carolina's insurance requirements: $50,000/$100,000/$50,000 for liability plus matching uninsured/underinsured motorist coverage. Your home state's minimums don't matter—North Carolina law applies when you're driving here. Contact your insurer to confirm your policy meets these requirements.
Jacksonville's coastal location puts it in the path of hurricanes and tropical storms, which dramatically increases risk for insurers. Coastal Onslow County saw 16% rate increases in 2025 with another 15.9% coming in 2026, driven by soaring reinsurance costs after repeated hurricane losses. Inland North Carolina cities pay $3,200-3,500 annually while coastal areas like Jacksonville can see premiums of $5,000-7,000 or more depending on proximity to water.
If you're selling your home, your policy cancels when you close. If you're renting it out, you must switch from a homeowners policy to a landlord policy, which costs more and covers different risks. If you're storing your vehicle, ask about comprehensive-only coverage to reduce premiums during deployment. Work with your agent 60-90 days before your move to avoid coverage gaps or overpaying.
Yes. Jacksonville participates in the National Flood Insurance Program, which means federal flood insurance is available regardless of your flood zone. Your premium will be higher in high-risk zones, but coverage is accessible. For homeowners insurance, most standard carriers still write policies in Jacksonville, though coastal premiums are significantly higher than inland rates. Shop multiple carriers as pricing varies widely.
Both have advantages. USAA offers military-specific benefits and deployment flexibility, but they're not always the cheapest option. Local independent agents can quote you across 10-15 carriers simultaneously, often finding better rates especially when bundling policies. Get quotes from both: USAA for their military expertise and a local agent for price comparison and access to multiple carriers.
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