J Paul Richardson & Son Real Estate
108 Main Ave N, Fayetteville, TN 37334
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Fayetteville 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.
108 Main Ave N, Fayetteville, TN 37334
View this agency's profile to learn more about their services.
312 E Market St, Fayetteville, TN 37334
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fayetteville residents.
Complete insurance guide for Fayetteville, NC covering new 2025 auto requirements, home coverage, flood insurance, and local agents near Fort Liberty.
Home InsuranceFayetteville homeowners pay $3,325/year average. Learn about flood risk, military discounts, and how to save on coverage in Cumberland County, NC.
Car InsuranceFayetteville NC auto insurance averages $95/month. Learn about 2025's new 50/100/50 minimums, Fort Liberty traffic impact, and cheapest rates from Erie.
As of July 1, 2025, North Carolina requires 50/100/50 coverage: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. The new property damage minimum is the highest in the nation. These requirements apply to all new policies and renewals after that date.
While not legally required unless your lender mandates it, flood insurance is worth considering in Fayetteville due to the Cape Fear River and Cumberland County's location in a flood-vulnerable region. Standard homeowners policies don't cover flooding, and the average flood policy costs $874 per year. Remember, flood insurance takes 30 days to activate, so you can't buy it when a storm is approaching.
Yes, multiple insurers offer military discounts for active duty service members, veterans, and their families in Fayetteville. Companies like USAA and Armed Forces Insurance specialize in military coverage, and Fort Liberty Federal Credit Union partners with TruStage to provide discounted insurance programs. Local agents familiar with Fort Liberty can also help find policies that accommodate deployments and frequent relocations.
The average auto insurance premium in Fayetteville is approximately $95 per month, though your actual cost depends on your driving record, age, coverage level, and vehicle type. With the new 50/100/50 minimum requirements effective July 2025, premiums have increased for most drivers, but shopping around with local agents can help you find competitive rates.
Choose an agent with Cumberland County experience who understands local risks like flooding near the Cape Fear River. If you're military, find someone experienced with Fort Liberty families who can address deployment coverage and PCS moves. Ask about bundling discounts, claims handling reputation, and whether they'll review your coverage annually as your life circumstances change.
To enter Fort Liberty without a military ID, you must show proof of auto insurance, along with a valid driver's license and vehicle registration. North Carolina requires all drivers to carry liability insurance, so keep your insurance card in your vehicle at all times to avoid issues at the gate or during traffic stops.
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