Hutsell Realty & Insurance
1116 NC Hwy 24/87, Cameron, NC 28326
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Cameron households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1116 NC Hwy 24/87, Cameron, NC 28326
View this agency's profile to learn more about their services.
1357 NC 24-87, STE 232, Cameron, NC 28326
View this agency's profile to learn more about their services.
1357 NC-24/87, STE 232, Cameron, NC 28326
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cameron residents.
Cameron, NC homeowners face Moore County's high claim rates and rising premiums. Get expert guidance on coverage, costs, and protecting historic homes.
General Insurance EducationComplete insurance guide for Cameron, NC. Learn about Moore County rate increases, auto requirements, and coverage for historic homes and antique shops.
Car InsuranceCameron, NC auto insurance guide: North Carolina's 50/100/50 minimums, at-fault rules, US-1 corridor coverage tips, and how to find affordable rates in Moore County.
Moore County has the highest claim frequency in North Carolina, with 16% of policies filing claims annually compared to just 5% nationally. This elevated risk, combined with increasing severe weather events and rising construction costs, drives insurers to charge higher premiums to offset the greater likelihood of claims in this area.
Standard homeowners insurance policies do not cover flooding from heavy rain, overflowing creeks, or storm surge. Given Moore County's experience with tropical storms dumping 5-11 inches of rain, you should consider purchasing separate flood insurance through the National Flood Insurance Program or a private carrier to protect against this common risk.
For older or historic homes, you need enough coverage to rebuild using similar materials and construction methods, which often costs more than standard construction. Get a professional replacement cost estimate that accounts for specialty materials, skilled craftsmen, and any historic preservation requirements. Extended or guaranteed replacement cost coverage provides additional protection if rebuild costs exceed your limit.
Yes, most insurers offer discounts for roof replacements, electrical system updates, plumbing upgrades, and other improvements that reduce claim risk. A new roof can earn you 10-20% off your premium, and updating older systems not only makes your home safer but demonstrates lower risk to insurers, potentially qualifying you for multiple discounts.
Review your policy annually, especially given the rapid rate increases in 2025-2026 and changing weather patterns in the Sandhills region. Also review after major home improvements, significant purchases of valuable items, or changes in your financial situation. Annual reviews ensure your coverage keeps pace with rising home values and replacement costs.
Actual cash value pays for repairs minus depreciation, meaning you receive less money for older items. Replacement cost coverage pays to replace damaged items with new equivalents at current prices, without deducting for depreciation. For your home and belongings, replacement cost coverage is worth the extra premium because it provides substantially better protection when you file a claim.
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