Morehead City, NC Insurance & Coastal Coverage

Snipes Insurance is on the coast! Our Morehead City office at 4206 Bridges Street, in The SaltWorx building, serves the Crystal Coast and eastern North Carolina with specialized coastal insurance expertise. Living and doing business near the water is incredible - but it also means unique risks from hurricanes, salt air, and changing coastal regulations. We're the Morehead City NC insurance partner that understands coastal life and how to protect it.

Home, Flood, and Boat Insurance for Crystal Coast Families

Insuring a home near Bogue Sound, on Atlantic Beach, or anywhere in Carteret County is not the same as insuring a home inland. Our coastal team helps you with:

Coastal homeowners insurance that accounts for wind and hail exposure

Windstorm coverage (including access to Wind & Hail pool solutions where needed)

Flood insurance to protect against storm surge and heavy rain that homeowners policies don't cover

Condo and vacation home insurance for second homes and rental properties

Boat, yacht, and personal watercraft insurance for life on the water

Give your employees a simple online portal where they can review plan options, enroll in coverage, and update their information without filling out paper forms. New hires, life events, and open enrollment become easier to manage and track.

Online Benefits Enrollment and Employee Self-Service

From securing coverage for a raised beach house to insuring a fishing boat you keep at the dock, we'll help you build a protection plan that fits your coastal lifestyle.

Insurance for Morehead City Coastal Businesses

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Morehead City thrives on industries tied to the water and tourism. We provide insurance solutions for:

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  • Seafood processors and distributors
  • Charter fishing operations and boat captains
  • Marinas, boatyards, and marine service companies
  • Hotels, restaurants, shops, and other tourism-related businesses
  • Contractors and service providers working around the port, local hospitals, or nearby marine research facilities


Coastal businesses face specific challenges, including hurricane preparation, business interruption concerns, saltwater corrosion on equipment, and increased liability exposure with visitors and tourists. We understand those challenges and design coastal business insurance programs to address them.

Local Agents Who've Weathered the Storms with You

Our Morehead City team is made up of people who live and work on the Crystal Coast. We've prepared for and weathered hurricanes alongside our clients, and we know how critical timing is before and after a storm.

If a storm is coming, we're here to answer questions, help you understand your deductibles, and review your coverage. After a storm, we can assist you in:

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Reporting claims quickly

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Understanding next steps for inspections and repairs

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Coordinating with adjusters and documenting damage

Because we're right here, we can respond quickly when you need help most.

Visit Our Morehead City, NC Insurance Office

Morehead City Office

4206 Bridges Street, Suite ___ (The SaltWorx)

Morehead City, NC 28557


Phone: 252-499-2625

Toll-Free: 1-800-849-8032


Hours: Monday-Friday, 8:30 AM - 5:00 PM


We serve the entire Crystal Coast region, including:


  • Morehead City
  • Atlantic Beach
  • Beaufort
  • Emerald Isle
  • Newport
  • The rest of Carteret County and surrounding coastal areas


If you own a coastal home, condo, boat, or business anywhere along the Crystal Coast, we're ready to help protect it.

Coastal Insurance Expertise You Can Trust

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Not every insurance agency understands the nuances of coastal coverage - but we do. Our Morehead City NC insurance team knows:


  • How wind and named storm deductibles work in coastal policies
  • When you may need separate wind or flood policies beyond your homeowners coverage
  • Which carriers are comfortable writing coastal properties and boats, and under what conditions


As an independent agency, we work with multiple insurers that specialize in coastal risks. That means we can compare options and find coverage designed for life by the water.

Stay Secure on the Crystal Coast

From summer thunderstorms to major hurricanes, you can count on Snipes Insurance to help keep your home, boat, and business protected.

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Call our Morehead City office for a coastal home, boat, or business insurance quote

Schedule a coverage review before storm season arrives

Visit our Bridges Street office to talk with a local coastal insurance expert