Bragaw & Company
1100 W 15th St, Washington, NC 27889
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1100 W 15th St, Washington, NC 27889
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1550 W 5th St, Washington, NC 27889
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1550 W 5th St, Washington, NC 27889
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245 W Main St, Washington, NC 27889
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Learn about insurance coverage options specific to Washington residents.
Washington, NC insurance guide: new 2025 auto requirements, flood coverage for Pamlico River properties, rising homeowners rates, and local agents.
General Insurance EducationComplete guide to auto, home, and insurance in Washington, Pennsylvania. Learn PA requirements, average costs, and find local agents in Washington County.
Home InsuranceWashington, PA home insurance costs $1,236-$2,195/year. Learn about flood risks, coverage for historic homes, and W&J College rental property insurance.
Home InsuranceWashington, NC home insurance guide covering coastal rates, flood zones, hurricane protection, and historic property coverage. Get quotes for Beaufort County.
As of July 1, 2025, North Carolina requires minimum auto insurance 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. Uninsured and underinsured motorist coverage at these same levels is also now mandatory for all new and renewed policies.
Yes, flood insurance is strongly recommended for all Washington residents. The city sits directly on the Pamlico River, and many areas are in designated flood zones. Standard homeowners insurance doesn't cover flood damage, so you need a separate flood policy. Washington participates in the Community Rating System, which provides residents with discounted flood insurance rates.
North Carolina homeowners pay an average of $2,951 to $3,749 annually for home insurance, though costs in Beaufort County tend to run higher due to coastal risks. Rates are increasing by 7.5% in June 2025 and another 7.5% in June 2026, with coastal areas seeing even steeper increases of around 16% each year.
Washington's location in Beaufort County, one of 18 designated coastal counties, means higher insurance rates due to increased risks from hurricanes, wind damage, storm surge, and flooding. Properties near the Pamlico River face elevated premiums because of the combination of riverine flooding and Atlantic storm surge that can propagate up the river system.
No, flood insurance is always a separate policy from standard homeowners insurance. You can purchase flood coverage through the National Flood Insurance Program (NFIP) or from private insurers. Many Washington residents choose NFIP coverage because the city's participation in the Community Rating System Program provides discounted rates.
A local Washington agent offers significant advantages, especially for complex coverage needs like flood insurance and coastal wind protection. Local agents understand which neighborhoods have higher flood risks, can navigate the specific challenges of insuring historic waterfront properties, and can help you access the Community Rating System discounts available to Washington residents.
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