Chalk & Gibbs, Inc.
1006 Arendell St, Morehead City, NC 28557
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Morehead City 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.
1006 Arendell St, Morehead City, NC 28557
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1508 Live Oak Street, Morehead City, NC 28557
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1402 Marsh Pointe, Morehead City, NC 28557
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1210 Arendell St, Suite A, Morehead City, NC 28557
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2500 Bridges St, Ste 12, Morehead City, NC 28557
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Learn about insurance coverage options specific to Morehead City residents.
Home insurance in Morehead City averages $4,671/year with rising rates. Learn about flood zones, wind coverage, and coastal property requirements.
Car InsuranceMorehead City auto insurance guide: new 50/100/50 minimums, at-fault system with contributory negligence, US-70 risks, and coastal coverage needs.
Morehead City's coastal location exposes homes to hurricanes, tropical storms, and flooding, which creates higher risk for insurers. Carteret County has seen claim costs triple between 2018 and 2022, and insurance companies have paid out massive losses from recent hurricanes. These factors combine to make Morehead City one of the most expensive areas in North Carolina for home insurance, with rates continuing to increase.
Yes, absolutely. Standard homeowners insurance policies exclude flood damage entirely, regardless of the cause. If you have a mortgage in a Special Flood Hazard Area, your lender will require flood insurance. Even if it's not required, it's highly recommended in Morehead City given that 26% of properties in flood zones experience flooding during a 30-year mortgage period.
The North Carolina Insurance Underwriting Association (NCIUA) is a state-backed insurance pool that provides wind and hail coverage for coastal properties that can't get it through standard insurers. Most homeowners policies in Morehead City exclude wind and hail damage, so NCIUA fills that gap. You'll typically need both your standard homeowners policy and a separate NCIUA policy for complete protection.
Wind and hail deductibles for coastal properties are percentage-based, typically ranging from 1% to 5% of your total policy coverage amount. This means if you have a $300,000 policy with a 2% wind deductible, you'll pay the first $6,000 of wind damage out of pocket. These higher deductibles exist because hurricane damage affects hundreds or thousands of properties simultaneously.
Yes, certain improvements can lower your premiums. Installing impact-resistant windows and doors, upgrading to a wind-rated roof, adding storm shutters, updating old electrical and plumbing systems, and installing monitored security systems can all qualify for discounts. For flood insurance, elevating your home above base flood elevation can significantly reduce your premiums. Talk to your insurer about what improvements provide the best return on investment.
Compare both options. NFIP is the traditional choice and offers coverage up to $250,000 for your dwelling and $100,000 for contents, plus Carteret County's Class 9 rating gives you a 5% discount. However, private flood insurance sometimes offers higher coverage limits, more flexible terms, and potentially better pricing depending on your property. Get quotes from both to see which works better for your situation.
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