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Home insurance on the Outer Banks, shopped for you.

Wind and flood, compared across 20 carriers. Believe It.

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We write home insurance in North Carolina. Wind deductibles shown side by side.

20%
average client savings
20
carriers compared
Get my quoteFree · about 3 minutes
Shopped for you
20%

average client savings

Our agents compare 20 carriers, and you get options the same business day. We re-shop at renewal if your rate goes up.

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Family owned & operatedSince 199765,000+ clients
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Check the wind deductible first

Often a percentage of your dwelling coverage, not a flat amount.1

On a $300,000 limit, at
your share could be
$6,000

Example vs $1,000 with a flat deductible

Coastal essentials

Flood is separate
Homeowners policies exclude it. NFIP: up to $250,000 building, $100,000 contents.2,3
Flood zones
A, AE, V and VE are high risk. Your lender may require flood coverage.3,4
Roof & mitigation
Roof age and shape, shutters and roof straps can matter to carriers.
Elevation
Keep your elevation certificate handy.

How it works

  1. Tell us what to cover

    About 3 minutes.

  2. We compare 20 carriers

    Wind deductibles side by side.

  3. Pick your option

    Options the same business day.

Questions

What's a named-storm deductible?

A separate deductible for wind, hail or named-storm damage, often a percentage of your dwelling coverage: 2% of $300,000 is $6,000.1

Is flood covered?

No. Flood is a separate policy. There's no 30-day wait if you buy it while getting your mortgage.2

When should I start a quote when buying?

Once your offer is accepted, and sooner near the coast.

Do I need a CapCenter mortgage?

No. Anyone can get a quote.

Sources: 1. North Carolina Department of Insurance: Windstorm and Hail. 2. FEMA, FloodSmart: Buy a Flood Insurance Policy. 3. FEMA: Flood Insurance. 4. FEMA: Flood Zones.

Coverage descriptions are general and for education only. Your policy's terms govern; coverage varies by carrier and state.

Nearby
Kill Devil Hills homesNags Head homesKitty Hawk homesDuck homesCorolla homesManteo homesDare County homesDare County mortgage ratesVirginia Beach home insuranceNorth Carolina home insurance
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender.
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