Albemarle Insurance Agency LLC
407 S Griffin St, Ste B, Elizabeth City, NC 27909
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Elizabeth City households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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407 S Griffin St, Ste B, Elizabeth City, NC 27909
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203 East Church Street, Elizabeth City, NC 27909
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1004 US Hwy 17 S, Elizabeth City, NC 27909
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300 E Church St, Elizabeth City, NC 27909
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Elizabeth City residents.
Elizabeth City homeowners need flood, wind, and base coverage. Learn about coastal insurance requirements, historic home considerations, and costs in Pasquotank County.
Car InsuranceElizabeth City drivers pay $1,200/year for auto insurance, below NC's average. Learn about new 50/100/50 minimums, at-fault rules, and US-17 corridor risks.
While not legally required outside high-risk zones, flood insurance is highly recommended in Elizabeth City. More than 40% of recent flooding occurred outside designated floodplains, and FEMA's maps are often outdated. For about $925 annually, flood insurance provides crucial protection against a risk that standard homeowners policies exclude entirely.
Pasquotank County is one of 18 coastal North Carolina counties where most insurers exclude wind and hail from standard policies due to hurricane risk. You'll need coverage through the Coastal Property Insurance Pool (CPIP) if private insurers won't include it. Your agent can help you obtain this required coverage after being denied by two private insurers.
Expect to pay around North Carolina's average of $2,951 annually for your base homeowners policy, plus approximately $925 for flood insurance and additional costs for wind/hail coverage through CPIP. Total costs depend on your home's age, location, construction, and coverage limits, but coastal Pasquotank County homeowners should budget $4,000-$5,000 annually for complete protection.
Historic homes often cost more to insure due to older electrical systems, roofing, and plumbing that insurers view as risks. However, strategic upgrades like replacing old roofs, updating electrical panels, and installing wind-resistant features can earn significant discounts. Guaranteed replacement cost coverage is essential for historic properties to ensure proper restoration with appropriate materials.
Purchase flood insurance as soon as your offer is accepted, not at closing. NFIP policies have a 30-day waiting period before coverage begins, so timing matters especially if you're buying during spring or early summer before peak hurricane season. Your agent can initiate the process early while other closing details are being handled.
Wind damage (covered by wind/hail policy) includes roof damage and rain that enters through wind-damaged openings. Flood damage (covered by separate flood policy) means water entering from ground level—through doors, windows, or rising from below. This distinction matters during hurricanes when both types of damage can occur simultaneously, so document everything carefully after storms.
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