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Trusted Car, Home & Wind Insurance in Chocowinity, NC

Harbor Insurance specializes in protecting Chocowinity, NC with tailored car, home, and wind insurance—built for coastal risks like Pamlico River flooding, hurricanes, and wind storms near Cypress Landing. As a locally owned independent agency, we understand unique risks, from homes near Twin Lakes Campground to businesses along NC-33. Enjoy savings when you bundle your policies, and get your quick, no-obligation quote today with the button or call below!
 
Harbor Insurance Agency office in Cypress Commons, Chocowinity, NC – Local independent insurance agency providing home, car, and boat insurance.
Beautiful home in Chocowinity, NC covered by homeowners insurance from Harbor Insurance Agency.

Home & Car Insurance Tailored for Chocowinity Residents

At Harbor Insurance Agency, we go beyond just offering insurance—we provide personalized protection designed for Chocowinity’s coastal and small-town lifestyle.

🌊 Living near the Pamlico River? We’ll make sure your home is covered from wind, hail, and flood risks.
🏡 Own a home in Cypress Landing? We specialize in high-value waterfront properties.
🚗 Daily driver or weekend cruiser? We offer affordable car insurance with multi-policy discounts.

Our Coverage Options Include:

✅ Home Insurance – Protects against fire, storms, theft, and liability.
✅ Car Insurance – Liability, full coverage, and bundling discounts.
✅ Wind & Hail Insurance – A must for Chocowinity homeowners.
✅ Flood Insurance – Required for many homes near Chocowinity Bay.
✅ Boat & Yacht Insurance – Ideal for Cypress Landing Marina boaters.
✅ Motorcycle & RV Insurance – Includes coverage for campers at Twin Lakes Campground.
✅ Business Insurance – Custom policies for local businesses, contractors, and more.

🏡 Cypress Landing Home Insurance Experts

Entrance flags at Cypress Landing community in Chocowinity, NC – A premier waterfront neighborhood with homes, marina, and golf club.

Located along Chocowinity Bay, Cypress Landing is one of the most sought-after communities in Eastern NC, featuring a marina, golf club, and luxury homes. As specialists in insuring Cypress Landing properties, we understand the unique insurance requirements for waterfront homes, golf course properties, and high-value residences.

Learn more about insuring homes in Cypress Landing

Best Car Insurance in Chocowinity, NC

Whether you're commuting to work, driving along Old Blounts Creek Rd, or heading to the Pamlico River for a weekend adventure, having the right car insurance is essential. We offer:

🚗 Liability coverage (NC state minimum and beyond)
🚗 Full coverage options (comprehensive & collision)
🚗 Discounts for bundling home and car insurance
🚗 Coverage for teen drivers, classic cars, and more

💡 Did you know? Bundling your home and car insurance in Chocowinity can save you up to 25% on your premiums!

Why Choose Harbor Insurance in Chocowinity?

We’re Local & We Know Chocowinity

Unlike big-box insurance agencies, we’re based right here in Cypress Commons, just before the entrance to Cypress Landing. Our owner lives in Chocowinity, giving us a deep understanding of the risks and challenges facing local homeowners, boaters, and drivers.

Save More with Home & Car Insurance Bundles

Bundling your policies means bigger discounts and easier management. Ask us how you can combine:
✅ Home & car insurance
✅ Boat & homeowners insurance
✅ Auto & RV or motorcycle coverage

Fast & Easy Insurance Quotes

We know your time is valuable, so we make getting an insurance quote quick and hassle-free. Call us today or use our simple online form for a same-day quote.

Chocowinity’s Proximity to the Pamlico River & Bay

If you live in Chocowinity, you know that river life is everything. Whether you're boating on the Pamlico River, fishing along Chocowinity Bay, or enjoying the waterfront views from Cypress Landing, your insurance should match your lifestyle.

🚤 Boat & Yacht Insurance for Chocowinity Boaters
We specialize in insuring:
✅ Fishing boats & personal watercraft
✅ Sailboats & yachts
✅ Marina liability coverage for Cypress Landing residents

💡 Did you know? Many homeowners policies don’t cover boats over a certain size. We’ll make sure your boat or yacht has the right coverage for river life in Chocowinity.

Chocowinity Town Resources

As part of our commitment to the community, we want to provide helpful information on essential local resources in Chocowinity.

Town of Chocowinity Contact Information

🏛 Chocowinity Town Hall

👮 Chocowinity Police Department

  • Address: 3461 US Hwy 17 S, Chocowinity, NC 27817
  • Non-Emergency Phone: (252) 946-2882
  • Emergency: Dial 911

🚔 Beaufort County Sheriff’s Office (Serving all of Beaufort County, including Chocowinity)

🚒 Chocowinity Fire Department

  • Address: 512 NC-33, Chocowinity, NC 27817
  • Phone: (252) 946-6548

💡 Utility Services in Chocowinity
Depending on your location in Chocowinity, your utilities may be provided by different providers:

  • Electricity:

  • Water & Sewer:

    • Town of Chocowinity (for some residents) – (252) 946-6568
    • Beaufort County Water Department (for others) – (252) 946-8954

 

Chocowinity Schools & Community

Chocowinity is a tight-knit community with great schools, including:

🏫 Chocowinity Primary School (K-4)
🏫 Chocowinity Middle School (5-8)
🏫 Southside High School (9-12)
🏫 Unity Christian Academy – A private K-12 school offering faith-based education.

As members of this community, we’re proud to serve families, business owners, and boaters in Chocowinity and beyond.

Frequently Asked Questions About Insurance in Chocowinity, NC

Get answers to the most common insurance questions from Chocowinity homeowners, drivers, and business owners. Learn about coverage options, costs, and savings opportunities.

Do I need separate wind or flood insurance in Chocowinity?

Yes! Standard homeowners insurance does NOT cover flooding, and many policies in coastal North Carolina exclude windstorm damage.

✔ Wind & Hail Insurance – Protects against hurricanes & strong storms.
✔ Flood Insurance – Covers rising water & storm surges from the Pamlico River or Chocowinity Bay.

📍 Live in Cypress Landing or near the water? You may be in a flood zone—we can check for you!

What are the best car insurance discounts available in Chocowinity?

We offer several discounts that can lower your car insurance rates, including:

✔ Multi-policy discount – Bundle home & auto for up to 25% savings.
✔ Safe driver discount – No accidents? Save big!
✔ Low mileage discount – If you work from home or have a short commute.
✔ Good student discount – For teens with a B-average or better.

Do I need boat insurance if I live in Cypress Landing or use the Pamlico River?

While boat insurance isn’t required by law in North Carolina, marinas (like Cypress Landing Marina) and lenders often require it.

✔ Covers damage from storms, theft, and accidents.
✔ Includes liability protection if someone gets injured.
✔ Covers your boat whether stored at the marina or in transit.

 

What types of home insurance policies are available in Chocowinity?

We offer several types of home insurance depending on your needs:

🏡 Standard Homeowners Insurance (HO-3) – Covers most homes.
🏘 Condo Insurance (HO-6) – Ideal for townhomes & condos.
🏠 High-Value Home Insurance – Extra protection for luxury homes in Cypress Landing.
🏠 Mobile Home Insurance – Custom coverage for manufactured homes.
🏡 Landlord Insurance – If you rent out a home or duplex.

How much does home insurance cost in Chocowinity?

Rates vary, but most homeowners pay between $1,000–$2,500 per year, depending on:

✔ Location (inland vs. near the Pamlico River)
✔ Home value, age & construction type
✔ Coverage limits & deductibles

💡 Live near Chocowinity Bay? Flood insurance may be required, adding to the total cost.

Does RV insurance cover me at Twin Lakes Campground?

Yes! If you park your camper or RV at Twin Lakes RV Resort, we can cover:

✔ Comprehensive coverage for theft, fire, or storm damage.
✔ Full-time RV coverage if you live in your camper year-round.

📍 Find Us in Cypress Commons – Your Local Chocowinity Insurance Agency

Looking for trusted home and car insurance in Chocowinity, NC? Harbor Insurance Agency is conveniently located in Cypress Commons, right before the entrance to Cypress Landing on Old Blounts Creek Rd. Whether you're stopping by for a quote or need assistance with your policy, we're right here in your community.

🚗 Easily accessible from US Hwy 17
📍 Minutes from Cypress Landing, Chocowinity Bay, and Washington, NC
☎️ Call us today: (252) 591-4030

Find directions below and visit us today!

Safeguarding Chocowinity Against Coastal Risks

Chocowinity’s coastal location brings beauty—and challenges like hurricanes hitting Beaufort County or wind damage in Cypress Landing. Whether you’re insuring your home near the Pamlico River, your car on NC-33, or your business downtown, Harbor Insurance delivers tailored coverage. Enjoy savings when you bundle your policies, and click “Get a Quote” below to protect what matters most!
 
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The Independent Insurance Edge in Chocowinity

As Chocowinity’s independent insurance experts, we compare top carriers to secure the best car, home, and wind coverage at unbeatable rates. Enjoy added savings when you bundle your policies, whether you’re recovering from a Pamlico River flood or protecting your Cypress Landing property. We’re your trusted local partner—here to simplify claims and save you money.

Recent posts about Chocowinity

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