Fogle Insurance Group
10105 Hickorywood Hill Ave, Suite A, Huntersville, NC 28078
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10105 Hickorywood Hill Ave, Suite A, Huntersville, NC 28078
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13420 Reese Blvd W, Huntersville, NC 28078
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11330 Vanstory Drive, Huntersville, NC 28078
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16740 Birkdale Commons Pkwy, Ste 304, Huntersville, NC 28078
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15716 Old Statesville Rd, Huntersville, NC 28078
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14314 Statesville Road, Huntersville, NC 28078
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Learn about insurance coverage options specific to Huntersville residents.
Complete guide to insurance in Huntersville, NC. Learn about new 2025 auto requirements, rising home rates, Lake Norman flood coverage, and local agents.
Home InsuranceHuntersville home insurance averages $895-$1,249/year. Learn about Lake Norman waterfront coverage, storm risks, and how to save on premiums in 2025-2026.
As of July 1, 2025, North Carolina requires minimum liability coverage of 50/100/50: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. You also need uninsured/underinsured motorist coverage at the same limits. These are higher than the previous minimums of 30/60/25, so expect premium increases when your policy renews.
No, standard homeowners insurance policies do not cover flood damage. If you live near Lake Norman, along the Catawba River, or in any flood-prone area, you need a separate flood insurance policy. The average cost in North Carolina is $780 per year, and you can purchase coverage through FEMA's National Flood Insurance Program or private insurers who often offer more comprehensive options.
North Carolina approved a 7.5% rate increase effective June 1, 2025, and another 7.5% increase on June 1, 2026, for a total of approximately 15% over two years. This translates to about $243 more per year for the average homeowner. The exact increase you'll see depends on your carrier, location within Huntersville, and your home's characteristics.
Yes, especially if you own a home or have significant assets. The new minimum of 50/100/50 might not be enough to cover serious accidents. In Huntersville, where the median household income is nearly $120,000, consider at least 100/300/100 coverage and add an umbrella policy for extra liability protection. This prevents creditors from going after your savings and home equity if you cause a major accident.
Starting July 1, 2025, North Carolina eliminated the liability setoff for uninsured/underinsured motorist claims. This means you can now collect your full UIM benefits even after receiving payment from the at-fault driver's liability policy. Before this change, your UIM payout would be reduced by whatever the other driver's insurance paid you, which often left injured parties without full compensation.
Huntersville has six independent insurance agencies serving the Lake Norman area. Look for agents who work with multiple carriers so they can shop your coverage across different insurers. Local agents understand specific risks in Huntersville neighborhoods, know which companies offer the best rates for homes near the lake, and can help you bundle policies for discounts of 15% to 25%.
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