Bailey Insurance Agency
13515 Cleveland Rd, Garner, NC 27529
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Garner households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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13515 Cleveland Rd, Garner, NC 27529
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250 New Fidelity Ct, Garner, NC 27529
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820 Benson Road, Garner, NC 27539
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1307 5th Ave, Garner, NC 27529
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893 Highway 70 W, Suite 202, Garner, NC 27529
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Learn about insurance coverage options specific to Garner residents.
Compare auto and home insurance rates in Garner, NC. Learn about 2025 coverage requirements, local agents, and costs in Wake County's fastest-growing town.
Home InsuranceGarner home insurance averages $2,950-$3,400/year with 2025-2026 rate increases. Learn about storm risks, new construction discounts, and savings tips.
Car InsuranceGarner NC auto insurance now requires 50/100/50 coverage as of July 2025. Learn how I-40 traffic, at-fault laws, and new requirements affect your rates.
North Carolina requires 50/100/50 coverage for all policies issued or renewed after July 1, 2025. This means $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. You also need underinsured motorist coverage at the same levels, which protects you if someone hits you without adequate insurance.
Home insurance in Garner averages $1,166 per year for homes with $200,000-$299,999 in dwelling coverage, and around $1,558 for homes with $400,000-$499,999 in coverage. These rates are significantly lower than North Carolina's state average of $3,237, making Garner one of the more affordable areas in the Triangle for homeowners insurance.
If you're near Lake Benson or any creeks, flood insurance is worth considering. Standard homeowners policies don't cover flooding from rising water—only water damage from things like burst pipes or roof leaks. You can purchase flood insurance through the National Flood Insurance Program or private carriers, and it's relatively affordable in areas that aren't high-risk flood zones.
The North Carolina Department of Insurance approved statewide base rate increases of 7.5% effective June 1, 2025, with another 7.5% increase scheduled for June 1, 2026. These increases add approximately $500 per year to the average homeowner's premium and apply across the state, though Garner's rates remain below the state average even with the increases.
While North Carolina doesn't legally require renters insurance, many landlords in Garner do require it as part of the lease agreement. Even if it's not required, renters insurance is extremely affordable at $15-$30 per month and provides valuable liability protection plus coverage for your belongings if they're stolen or damaged by fire, storms, or other covered events.
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