Aydlett Insurance Agency
208 W Walker St, Kill Devil Hills, NC 27948
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208 W Walker St, Kill Devil Hills, NC 27948
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2400 N Croatan Hwy, Suite A, Kill Devil Hills, NC 27948
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701 W Fresh Pond Dr, Suite 21, Kill Devil Hills, NC 27948
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115 W. Oregon Ave, #2, Kill Devil Hills, NC 27948
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2810 N. Croatan Hwy, Kill Devil Hills, NC 27948
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Learn about insurance coverage options specific to Kill Devil Hills residents.
Complete Kill Devil Hills insurance guide covering coastal home coverage, NC's 2025 auto requirements, flood insurance, and local Outer Banks agents.
Home InsuranceKill Devil Hills home insurance requires 3 policies: base coverage, wind/hail through NCIUA, and flood. Learn costs, deductibles, and FORTIFIED roof grants.
Yes, most Kill Devil Hills homeowners carry three policies: standard homeowners insurance, wind and hail coverage, and flood insurance. Standard policies typically exclude wind and flood damage in coastal areas. Wind and hail coverage runs about $1.30 per square foot annually, while flood insurance starts around $300 per year for low-risk zones. This three-policy structure is standard practice throughout the Outer Banks.
Total insurance costs typically range from $4,000 to $6,000 annually when you combine all three policies. A 2,000-square-foot home might pay $2,500-$3,000 for wind and hail coverage alone, plus your base homeowners policy and flood insurance. Costs vary based on your home's location, elevation, age, construction type, and distance from the water.
As of July 1, 2025, North Carolina requires minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $50,000 for property damage. These limits increased from the previous $30,000/$60,000/$25,000 minimums. All new and renewed policies now also include underinsured motorist coverage automatically, providing better protection if you're hit by someone without adequate insurance.
While flood insurance isn't required by mortgage lenders for X zones (low-risk areas), it's worth considering. Properties outside mapped high-risk flood zones still account for 25% of annual flood claims nationwide. In Kill Devil Hills, on a barrier island, flood insurance in low-risk zones starts around $300 per year—relatively affordable protection against a potentially catastrophic loss.
Several strategies can help: get an elevation certificate if your home is elevated above base flood elevation for lower flood premiums, install wind mitigation features like hurricane straps or impact-resistant windows, bundle your policies when possible, and take advantage of Dare County's Community Rating System discount on flood insurance. Working with a local agent who knows these strategies is your best bet for finding all available discounts.
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