A standard policy covers fire, theft, and liability, but coastal homes need more than basic protection. Midgett Insurance Agency helps clients navigate their coverage options, ensuring they have wind and hail policies and flood insurance to protect against hurricane-force winds and water damage.

Most standard policies do not include hurricane damage protection or wind and hail policies. We help Outer Banks homeowners secure the right endorsements and policies to ensure their home is covered for storm-related damages.

Many homes in Manteo, Hatteras, and Nags Head are in high-risk flood zones, making flood insurance for homeowners a lender requirement. Even if it's not mandatory for your property, we guide clients in choosing the right flood policy to protect against storm surges, rising water, and coastal erosion.

Many standard insurance companies exclude wind and hail damage in the Outer Banks, leaving homes unprotected during storms. We help clients secure a standalone wind and hail policy so they aren’t left vulnerable when the next hurricane hits.

Midgett Insurance Agency works with homeowners to find discount opportunities, such as strengthening homes with storm-resistant features, bundling policies, or choosing the right deductible. We make sure you get the best value for the coverage you need.