Insurance Specialists, Inc.
212 W Main St, Suite 1, Cary, IL 60013
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212 W Main St, Suite 1, Cary, IL 60013
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cary residents.
Essential insurance guide for Cary residents covering 2025 auto law changes, home insurance costs averaging $2,600/year, and flood coverage discounts.
While Cary isn't on the coast, it's increasingly necessary. Hurricane remnants and severe thunderstorms bring extreme rainfall to the Piedmont region, causing flooding in areas not previously identified as high-risk. Standard home insurance doesn't cover flood damage, so you'll need a separate flood policy through the National Flood Insurance Program or a private insurer. Even if you're not in a FEMA-designated flood zone, consider coverage—climate trends show more frequent extreme rainfall events in the area.
Cary homeowners typically pay less than the state average. You'll pay around $2,600 annually for $300,000 in dwelling coverage, which is about $27 less per month than North Carolina's average. This is because Cary has excellent fire protection services, low crime rates, and isn't exposed to direct coastal hurricane risks. However, if you have a higher-value home near Cary's median price of $620,000-$670,000, expect to pay $1,600-$3,500 annually depending on your coverage limits.
Cary faces several significant weather threats despite being inland. Hurricane remnants regularly bring heavy rainfall and can spawn tornadoes with little warning. Severe thunderstorms cause wind and hail damage, fallen trees, and flash flooding. Climate projections suggest these events are becoming more frequent and intense in the Piedmont region. Your standard home policy covers wind and hail damage, but you'll need separate flood insurance for water damage from heavy rainfall.
No—insure for replacement cost, not market value. Your dwelling coverage should reflect what it would cost to rebuild your home from scratch, including materials, labor, permits, and current construction costs. In Cary's well-planned communities with high-quality construction, rebuilding costs can exceed market value. Work with your agent to get an accurate replacement cost estimate, and consider guaranteed replacement cost coverage or extended replacement cost (25-50% above your limit) to protect against construction cost spikes after major storms.
Several discounts apply well to Cary homes. Since many properties are newer with modern systems, you can get discounts for roofs under 10 years old, impact-resistant shingles, and updated electrical or HVAC systems. Security systems, monitored alarms, and smart home technology also reduce premiums. Bundling home and auto insurance typically saves 15-25%, and increasing your deductible from $1,000 to $2,500 can significantly lower your annual cost—just ensure you have cash reserves to cover the higher out-of-pocket expense.
The standard $100,000 in liability coverage is rarely enough for Cary homeowners. With a median household income around $129,000 and many residents working high-paying tech jobs, you likely have significant assets to protect if someone is injured on your property and sues. Increase your liability coverage to at least $300,000, or better yet, add an umbrella policy that provides $1 million or more in additional protection beyond your home policy limits.
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