Antiques & Collectibles Insurance Group
20222 North Main Street, Cornelius, NC 28031
View this agency's profile to learn more about their services.
Loading...
City directory
Cornelius households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
20222 North Main Street, Cornelius, NC 28031
View this agency's profile to learn more about their services.
20222 N Main St, Cornelius, NC 28031
View this agency's profile to learn more about their services.
18505 Statesville Rd Ste A-04, Cornelius, NC 28031
View this agency's profile to learn more about their services.
18505 Statesville Rd A-04, Cornelius, NC 28031
View this agency's profile to learn more about their services.
18047 W Catawba Ave, Ste B, Cornelius, NC 28031
View this agency's profile to learn more about their services.
19109 W Catawba Ave, Suite 200, Cornelius, NC 28031
View this agency's profile to learn more about their services.
19701 Bethel Church Rd #103-186, Cornelius, NC 28031
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cornelius residents.
Cornelius home insurance guide: Lake Norman flood zones, waterfront coverage, boat dock protection, and 2025 rate changes. Get the coverage your property needs.
Car InsuranceCornelius auto insurance guide: NC's new 50/100/50 minimums, at-fault system, I-77 corridor risks, and how to get the right coverage for Lake Norman area.
General Insurance EducationComplete insurance guide for Cornelius residents covering Lake Norman boat insurance, waterfront home coverage, and auto rates. Get expert tips for 2025.
Almost certainly yes. Nearly all Lake Norman waterfront properties fall into FEMA flood zone AE, which means if you have a federally-backed mortgage, your lender will require separate flood insurance. Even if you own your home outright, the 1% annual flood risk (26% over 30 years) makes flood coverage a smart investment since standard homeowners policies exclude flood damage entirely.
Costs vary widely based on your home's age, value, and location. North Carolina averages range from $1,545 to $3,749 annually for standard coverage. Newer Cornelius homes average around $1,328 per year, while older homes can cost $2,874 or more. Luxury waterfront properties requiring higher coverage limits and flood insurance will pay significantly more. Rates are also increasing 7.5% in June 2025 and another 7.5% in June 2026.
Standard policies include some coverage for detached structures (typically 10% of dwelling coverage), but coverage for structures over water is often excluded or limited. High-end docks with lifts and covered slips may require scheduling with additional coverage or a separate endorsement. Flood insurance is separate and won't be included in your standard policy, even though your dock faces flood risk.
Construction costs have surged to $180-$250 per square foot in 2024, meaning insurers pay much more to repair or rebuild homes after claims. Insurance companies originally requested a 41% rate increase for Mecklenburg County, though this was negotiated down to 7.5% annual increases in 2025 and 2026. Rising material costs, labor shortages, and increased claim frequency are driving these adjustments.
It depends on your home's value and coverage needs. NFIP policies cap at $250,000 for structure and $100,000 for contents, which won't adequately cover Cornelius's many luxury homes. Private flood insurance offers higher limits, replacement cost coverage, and additional living expenses. Compare both options—private insurance often provides better coverage for high-value properties, while NFIP may be more affordable for modest homes.
Common discounts include bundling home and auto insurance (15-25% savings), installing monitored security systems, having a newer roof or impact-resistant materials, maintaining a claims-free history, and installing whole-home generators or storm protection. New homes built to current codes also qualify for substantially lower base rates compared to older properties.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network