Midgett Insurance Agency

Midgett Insurance Agency We are licensed in NC and VA and offer personal & business products to fit your needs. We are dedica Midgett Insurance Agency was founded in 1973 by Elmer R.

Midgett, Jr., in downtown Manteo, NC. He created a tradition of exceptional and personalized customer service, which continues today. After graduating from James Madison University in Virginia, Paul Tine moved to the Outer Banks in 1995 and married Whitney Tine. He began working in the family business in 1998 and purchased the agency in 2005. Since that time, the agency has grown to two locations,

acquired CDA Insurance of Kill Devil Hills and has over 15 employees serving clients in the Outer Banks, Northeast NC and Virginia. We are a community-based agency and are committed to protecting the assets and livelihood of our neighbors. Our Agency knows that insurance exists for one reason only, to make things right when things go wrong. We work diligently to make sure that all of our clients are covered the way they want to be, and that we keep our promise to be On Your Side®. We offer 2 convenient locations to serve you. Kitty Hawk:
3900 N. Croatan Highway
Kitty Hawk, NC 27949
(252) 261-4684; Fax (252) 473-5947

Manteo:
503 Cypress Lane
Manteo, NC 27954
(252) 473-3930; Fax (252) 473-5947

Many business owners assume that their insurance coverage begins on the same day they confirm their policy. However, it ...
08/25/2026

Many business owners assume that their insurance coverage begins on the same day they confirm their policy. However, it is not always that simple. Understanding your policy's effective date and how to align it with your business operations is one of the most practical steps you can take to protect your business. Swipe to learn more.

If you have questions about your commercial insurance coverage or your policy’s effective dates, reach out to us. We are here to help.

08/21/2026

August has a way of reminding us that change is already on its way. Summer is not quite over, but the days are already hinting at something new — earlier sunsets, a slight cool in the morning, and a quiet sense that a fresh season is just around the corner.

It can be tempting to hold on to what is familiar and comfortable, but this month is a gentle nudge to look forward instead. This is the moment to channel something new: a goal, a habit, or a mindset shift that moves you toward the next chapter with intention.

As we move through August, what is one thing you are ready to build or step into? Feel free to share it in the comments. We would love to hear what you are looking forward to.

We all scroll on our phones—but if you’re going to scroll, make it useful! 📲 Check out our blog for tips on storm prep, ...
08/17/2026

We all scroll on our phones—but if you’re going to scroll, make it useful! 📲 Check out our blog for tips on storm prep, home insurance, coastal coverage, business insurance and more! We post new blogs each month on a variety of relevant topics for our clients on our website: https://www.midgettinsurance.com/blog

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of t...
08/12/2026

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of the most important ways to help safeguard your shared financial future and provide stability no matter what comes next. Swipe for some key life insurance considerations for newlyweds.

Starting your journey together with the right protection in place can make all the difference. Contact us today to learn more about your life insurance options and find coverage that fits your goals.

A big shout out to Kathy Lewis today for her 1 year work anniversary with Midgett Insurance! If you call our offices or ...
08/06/2026

A big shout out to Kathy Lewis today for her 1 year work anniversary with Midgett Insurance! If you call our offices or visit our Kitty Hawk location, you are likely to be welcomed by Kathy. She takes wonderful care of our clients and is a great addition to our team. Congratulations Kathy!

Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of th...
08/03/2026

Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of the preparation process: reviewing your personal insurance coverages before a storm even hits.

Here are a few key areas we suggest reviewing this hurricane season:

🔵 Hurricane Deductibles - Some homeowners policies in some states may include a hurricane deductible, which is often a percentage of your home’s insured value. This deductible is separate from your standard homeowners deductible and is the amount of money you must pay toward hurricane-related damage before your insurance company starts paying. Know what triggers it and how much you’d owe.

🔵 Flood and Windstorm Coverage - Flood damage typically requires separate flood insurance, and damage from unnamed windstorms may also be excluded from some policies. Reviewing your coverage and filling any gaps before a storm hits can make a significant difference.

🔵 Filing Claims - Ahead of a hurricane, document the state of your home. Then, after the storm, document damage with photos and videos before you begin cleaning up or repairs. This can help fully showcase any potential damage done by a storm. Additionally, as you make repairs, keep receipts for what you spend.

As always, know that we are here to help if you have any questions about your coverage or if you would like to talk through layering on more coverage. Reach out today, and we can get started.

07/29/2026

Wind‑driven rain is a big concern here in the Outer Banks, especially during strong coastal storms. Even with solid home insurance, it’s important to know how your policy treats this type of damage. Wind‑driven rain isn’t always covered unless wind first creates an opening, so reviewing your wind and hail coverage—and making sure your home is storm‑ready—can make all the difference. If you’re unsure what your policy includes, our team is always here to help you stay protected.

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the...
07/21/2026

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the table, the time spent with loved ones, and the milestone memories made in between.

It is in these moments that we are reminded what truly matters most, and why protecting it is so important. Life insurance is not about focusing on the worst-case scenario. It is about creating a plan that helps ensure the people you love are supported, no matter what the future holds.

If it has been a while since you reviewed your coverage. Now is a great time to start the conversation. Reach out today to learn more.

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on y...
07/16/2026

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on your property, is your current homeowners coverage prepared to respond?

Swipe to see some insurance considerations to keep in mind before you host a party this summer.

If you are planning to host this summer, now is the time to review your coverage and identify any gaps. Give us a call today. We’re here to help make sure you’re ready to welcome guests to your home this summer.

When is the best time to review your flood coverage? Now! Hurricane season is the perfect time to take a deep dive into ...
07/12/2026

When is the best time to review your flood coverage? Now!

Hurricane season is the perfect time to take a deep dive into your flood policy and understand what is covered and what is not. If you do not have flood insurance but want to protect your property and contents, reach out to us! There is a usually a 30 day wait for your coverage to become effective, so let us help you get that clock started!

We are always here to help!

Address

3900 N Croatan Highway
Kitty Hawk, NC
27949

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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