Auto & Home Insurance Agency, Inc.
333 Butterfield Rd, #100, New Bern, NC 28562
View this agency's profile to learn more about their services.
City directory
New Bern 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.
333 Butterfield Rd, #100, New Bern, NC 28562
View this agency's profile to learn more about their services.
3542 Dr. Martin Luther King Jr Blvd, New Bern, NC 28562
View this agency's profile to learn more about their services.
941 US Highway 70 E, New Bern, NC 28560
View this agency's profile to learn more about their services.
213 Drake Landing, New Bern, NC 28560
View this agency's profile to learn more about their services.
513 George St, New Bern, NC 28560
View this agency's profile to learn more about their services.
2002 S Glenburnie Rd Suite 5-C, New Bern, NC 28562
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to New Bern residents.
Navigate New Bern's insurance needs with our guide covering auto, home, and flood coverage. Learn about 2025 rate increases and coastal requirements.
Home InsuranceNew Bern home insurance costs 16% more in 2025 due to hurricane risk. Learn about flood insurance requirements, historic home coverage, and Florence's impact.
Car InsuranceGet comprehensive auto insurance guidance for New Bern, NC. Learn about 2025's new 50/100/50 requirements, coastal risks, and at-fault coverage needs.
Yes, especially in New Bern. Hurricane Florence proved that flood maps don't tell the whole story—many homes outside designated flood zones experienced catastrophic flooding. Your standard homeowners insurance won't cover flood damage regardless of where you live. With New Bern's location at the confluence of two rivers and proximity to the coast, everyone should seriously consider flood insurance. Remember, there's a 30-day waiting period, so you can't buy it once a storm is approaching.
As of July 1, 2025, North Carolina requires minimum 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. All policies must also include underinsured motorist coverage at the same limits. These requirements only apply to policies issued or renewed on or after July 1, 2025.
Coastal properties in North Carolina are facing significant rate increases due to repeated hurricane losses and soaring reinsurance costs. Statewide, rates increased 7.5% in 2025 with another 7.5% increase in 2026. Coastal counties like Craven County are seeing even higher increases—some beach territories are experiencing 16% or more. These increases reflect the real cost of insuring coastal properties in an era of more frequent severe weather events.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage. Unlike your regular deductible (which might be $1,000 or $2,500), hurricane deductibles are typically 1% to 10% of your home's insured value. If your home is insured for $300,000 with a 2% hurricane deductible, you'll pay the first $6,000 of hurricane damage out of pocket. This deductible only applies when damage is caused by a named hurricane.
Not necessarily. Many standard homeowners policies in coastal areas like New Bern exclude windstorm coverage. You may need to purchase separate wind coverage, potentially through the North Carolina Insurance Underwriting Association (NCIUA) if regular insurers won't provide it. Check your policy carefully and ask your agent specifically about wind and hurricane coverage—don't assume you're covered.
While statewide averages in North Carolina are around $2,941 per year for homeowners insurance, coastal properties like those in New Bern typically pay more due to hurricane and flood risks. Your actual cost depends on your home's value, age, construction type, proximity to water, claims history, and the coverage limits you choose. The best way to get an accurate estimate is to request quotes from local agents familiar with Craven County properties.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network