Business Details
48 Years
experience
Emergency
services
Your Coastal Insurance Specialists in Manteo
Established in 1978, our agency brings over 125 years of combined experience in personal and commercial insurance. We prioritize personalized service in coastal North Carolina's unique insurance landscape, leveraging technology to maintain efficiency without sacrificing client relationships. Our team of five professionals emphasizes prompt claims handling and 24/7 emergency support through a dedicated line checked every few hours. We specialize in hurricane zone risk management, offering tailored policies for homeowners, condo owners, and rental property investors. Our expertise extends to flood, wind/hail, and excess coverage solutions specifically designed for Outer Banks properties.With deep local market knowledge, we focus on transparent communication and proactive client education about insurance needs in high-risk coastal areas. Our service model treats every customer interaction as our primary business objective rather than an interruption. Through continuous industry education and technology adoption, we maintain our position as trusted advisors in both standard and specialized insurance products. Our agency's longevity and client retention rates demonstrate our commitment to exceeding industry service standards in both routine and emergency situations.
Services
Homeowners Policy
Flood Insurance
Liability Coverage
Wind & Hail Policy
Excess Flood Coverage
Condo Insurance
Dwelling Fire Policy
Theft Protection
Details
- Year established: 1978
Highlights and features
- Over 125 years of combined insurance experience
- 24/7 emergency service with prompt claim handling
- Specialized coastal property insurance expertise
- Technology-enabled personalized client service
- Deep local market knowledge in hurricane zones
Services
Homeowners Policy
Our comprehensive homeowners policy protects against sudden and accidental damages to residential properties and contents. Designed for coastal areas, it includes coverage for structural damage, personal belongings, and liability protection. This broad-form policy addresses the unique risks faced by property owners in hurricane-prone regions.
Flood Insurance
Specialized flood coverage protects against rising water, tidal waves, and ocean flooding common in beach areas. This policy covers structural damage and contents loss from surface water accumulation, providing essential protection beyond standard homeowners policies in coastal regions.
Wind & Hail Policy
This supplemental policy specifically covers wind and hail damage, crucial for Outer Banks properties. It provides additional protection beyond standard policies, addressing the frequent storm-related risks faced by coastal homeowners and rental property investors.
Excess Flood Coverage
For properties exceeding federal flood insurance limits, this policy provides additional coverage for high-value homes and contents. Designed for coastal properties with significant investment, it ensures comprehensive protection beyond standard flood insurance program maximums.
Condo Insurance
Tailored policies for condo owners and renters cover interior components like cabinets, fixtures, and personal contents. This specialized coverage addresses the unique insurance needs of condominium associations and individual unit owners in coastal communities.
People
Mollie A. Fearing
President
With over 40 years in the insurance industry, Mollie A. Fearing established this independent agency in 1978. Her leadership focuses on personalized service and coastal risk management expertise.
Questions
How do I get an insurance quote?
Request a free, no-obligation quote online or contact us directly via phone at 252-473-3476 for personalized coverage options.
What emergency services do you offer?
We provide 24/7 emergency support through our dedicated line (252) 473-7336, with callbacks within hours for urgent claims assistance.
What areas do you cover?
We specialize in coastal North Carolina, particularly the Outer Banks region, addressing unique hurricane zone insurance requirements for residents and property investors.
What insurance types do you offer?
We provide homeowners, flood, wind/hail, condo, dwelling fire, and theft insurance policies tailored for coastal properties in high-risk zones.
How are claims handled?
Claims receive prompt attention with our team prioritizing immediate response and efficient resolution processes for all policyholders.
What holiday hours apply?
Our office observes standard holidays with emergency services maintained. Check our website for specific closure dates and re-opening times.
