Brewer Insurance Group, Inc.
1904 South Main Street, STE 212, Wake Forest, NC 27587
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Wake Forest households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1904 South Main Street, STE 212, Wake Forest, NC 27587
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1404 Wall Rd, Suite 400, Wake Forest, NC 27587
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10405 Ligon Mill Rd, Ste H, Wake Forest, NC 27587
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3650 Rogers Rd, Ste 308, Wake Forest, NC 27587
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616-112 Dr Calvin Jones Hwy, Wake Forest, NC 27587
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616 Dr Calvin Jones Hwy, #112, Wake Forest, NC 27587
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Learn about insurance coverage options specific to Wake Forest residents.
Complete Wake Forest, NC insurance guide covering 2025 auto requirements, home rates, local agents, and coverage for North Carolina's fastest-growing town.
Home InsuranceWake Forest home insurance averages $1,621/year in Wake County. Get coverage insights for this fast-growing Raleigh suburb with storm risks and new development.
Car InsuranceWake Forest auto insurance guide: Learn about NC's new 50/100/50 minimums, at-fault rules, and average rates. Get the coverage you need for US-1 and I-540.
As of July 1, 2025, North Carolina requires $50,000 per person for bodily injury, $100,000 per accident, and $50,000 for property damage. You also need matching uninsured/underinsured motorist coverage at the same limits. These are among the highest state minimums in the country and apply to all policies issued or renewed after that date.
Wake Forest homeowners pay an average of $1,081 annually for $200,000 in dwelling coverage, which is significantly below the North Carolina state average of $2,941 to $3,749. However, base rates increased by 7.5% in June 2025, with another 7.5% increase scheduled for June 2026, adding about $500 per year on average.
It depends on your location. If you're near Falls Lake or in a FEMA-designated flood zone, flood insurance is essential and may be required by your mortgage lender. Even outside high-risk zones, flood coverage is relatively affordable and worth considering given Wake Forest's proximity to water. Flood insurance is separate from your homeowners policy and comes through the National Flood Insurance Program or private carriers.
Yes, especially if you want personalized service and competitive rates. Wake Forest has six local agencies, and local agents understand the area's specific risks—from newer construction patterns to Falls Lake proximity. Independent agents can shop multiple carriers for you at once, saving time and potentially finding better coverage options than you'd discover on your own.
Umbrella insurance provides extra liability coverage beyond your auto and home policies, typically starting at $1 million. For $150 to $300 per year, it protects your assets if you're sued after a serious accident. Given Wake Forest's median household income of $120,777 and rising home values, umbrella coverage makes sense for families with significant assets to protect.
Wake Forest's population is projected to nearly double to 118,912 by 2040, which could eventually impact rates as traffic increases and development spreads. However, the town currently benefits from newer construction and lower risk profiles, keeping home insurance costs below state averages. Locking in coverage now and bundling policies can help protect against future rate increases as the area continues to grow.
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