Harbor Insurance

07/29/2026

NOAA's latest outlook calls for a quieter Atlantic hurricane season this year, and the Chocowinity office is even flagging drier than normal conditions for our area this summer.

Quieter is good news, but it only takes one storm to matter for your house. This is still the time to check your policy, know your wind deductible, and remember flood coverage is separate from your homeowners policy.

If you're not sure what your policy actually covers before or after a storm, message us. Better to know now than in the middle of a forecast cone.

10/31/2024

🎃 Happy Halloween from Harbor Insurance! 🕸️👻 As you head out for tricks and treats, remember a few safety tips to keep the night fun and spooky — not scary! 🧛‍♀️

🕯️ Make sure costumes are visible in the dark – add glow sticks or reflective tape! 🚶 Stick to sidewalks and cross at corners, watching out for traffic. 🍬 Parents, give treats a quick check before the kids dig in!

Enjoy the night with your little ghouls and goblins, and stay safe! 👹👻

10/30/2024

🏠 Attention North Carolina homeowners! Protecting your property in high-risk areas like the coast requires the right coverage. NCJUA and NCIUA offer essential insurance options for homes vulnerable to wind and hail. 🌊💨

Our latest blog breaks down what you need to know to keep your home safe and covered. Check it out and make sure you're protected! 🛡️

👉 Read more on our website.

Learn how NCJUA & NCIUA provide essential wind, hail, and property coverage in NC's coastal and inland areas. Contact us to secure yours today.

10/23/2024

🌊 Hurricane Season Reminder: Protect Your Home with Flood Insurance! 🌪️

Recent reports from Notus highlight the challenges many Floridians faced after Hurricane Debby, with numerous insurance claims being declined. One major reason? Lack of proper flood insurance.

🔑 Why Flood Insurance Matters:

Standard policies often don’t cover flood damage.
Floods can happen anywhere, not just coastal areas.
Protect your home and belongings from unexpected water damage.
North Carolina is no stranger to severe weather, and the aftermath can be devastating. Don’t wait until it’s too late! Ensure you have the right coverage to safeguard your property and peace of mind.

👉 Take Action Today:

Review your current insurance policies to see what’s covered.
Consider adding flood insurance through the National Flood Insurance Program (NFIP) or private insurers.
Stay informed about your area’s flood risks and prepare accordingly.
Let’s learn from Florida’s experience and make sure we’re all prepared. Share this post to spread awareness and help your friends and family stay protected! 💙🏠

Sen. Sheldon Whitehouse told NOTUS he’s worried the company may need a federal bailout when the next storm hits, and consumer advocates are worried politics is playing a role in claim denials.

10/10/2024

🏡 Homeowners in North Carolina – do you know the most common home insurance claims and how to avoid them? From hurricane damage to burst pipes, many risks can affect your home. But with the right coverage and a few proactive steps, you can protect your biggest investment!

💡 Check out our latest blog to learn more about common claims in our state and what you can do to reduce the chances of needing to file one. Your home is your sanctuary—let's keep it that way! 🙌

🔗 Read the full article here.

Learn about the most common home insurance claims in North Carolina, including water damage, wind damage, fire, and theft. Discover easy ways to prevent them and protect your home.

10/08/2024

🚨 Homeowners in North Carolina: Are Your Insurance Rates About to Skyrocket? 🚨

A recent hearing has revealed that home insurance premiums could rise by 42.2% on average statewide. Coastal areas could face even steeper increases of up to 99%! 🌪️💡 These hikes are driven by inflation, rising costs for rebuilding materials, and the increasing frequency of catastrophic storms like Hurricane Helene.

With so much volatility, navigating the insurance market can feel overwhelming. That’s where we come in! 💼 As an independent insurance agency, we can help you compare policies and secure the best coverage at the most competitive rates. 🏠🔍

Stay informed and learn more about the proposed changes in our latest blog post!

North Carolina homeowners face an average 42% rate increase in insurance premiums. Learn what’s driving the change and how to find the best coverage.

09/30/2024

🚗🔍 Important Changes Coming to Auto Insurance in North Carolina! 🔍🚗

Attention, North Carolina drivers! The General Assembly has passed new legislation that will significantly impact auto insurance policies starting July 1, 2025.

📈 Key changes include:

Increased minimum liability limits
Mandatory Uninsured and Underinsured Motorist coverage
Extended inexperience period for new drivers
Changes to premium surcharges for major convictions
It’s crucial to stay informed and understand how these updates may affect your coverage and premiums.

👉 Read our latest blog for all the details and what you need to know to prepare.

Stay ahead of the curve and make sure you’re covered! If you have any questions, feel free to reach out to us. We're here to help! 💙

Discover upcoming changes to North Carolina auto insurance in 2025, including increased liability limits and new coverage requirements. Stay informed and prepared for these important updates.

09/27/2024

🌪️🏠 Hurricane Aftermath: What to Do If Your Home is Damaged 🏠🌪️

Has your home been affected by the recent hurricane? Don’t panic! Our latest blog post from Harbor Insurance Agency is here to guide you through the recovery process.

👉 Learn essential steps to take after a storm, including how to document damage, mitigate further risks, and navigate your insurance claim. We also cover the importance of hiring a remediation company and tips for staying safe during recovery.

Knowledge is power—prepare yourself for what comes next!

Stay safe, and remember, we're here to help you through this! 💙

Steps to take if your home is damaged in a hurricane, including safety tips, insurance guidance, and remediation advice. Learn how to navigate the recovery process effectively.