Comprehensive Coverage for the Outer Banks Community
Trusted Coastal Insurance Specialists
Outer Banks Wind and Flood Insurance With 50 Years of Expertise
When a storm rolls in over the Atlantic, the last thing you should worry about is whether your insurance will hold up. At Midgett Insurance Agency, we do more than provide policies—we provide peace of mind. With hurricane claims expertise and deep knowledge of wind and hail coverage, we build insurance solutions that truly protect coastal homes, rental properties, and businesses from the unpredictable forces of nature. We know the Outer Banks, and we know how to protect what you love.
What Our Neighbors Say
Karen A.
Always knowledgeable and easy to talk to. Talk to a real person! They are the best!
Andrea G.
Very helpful and knowledgeable
Lucile C.
Great Service!!
Rhonda H.
Wonderful clients
Ann W.
I love my agent. Katherine is the Best!
Melanie B.
Our insurance representative was very warm, welcoming, and helpful. She worked to help us get the coverage that worked best for our needs and our budget. Very, very happy with her help. Michelle made sure we could reach out to her anytime we needed which made us feel we were getting the help and service we needed.
Versacare L.
Very Responsive and provided better cover at a better rate
Alfredo L.
Madeleine has done an excellent job handling my life insurance. She takes time to explain coverage, premiums, and policy details in clear language. She responds quickly, stays organized, and follows through on every step. I value her professionalism and the trust I have in her guidance.
Alex S.
Midgett Insurance Agency has been an enormous help with my commercial insurance policies throughout the years! They have proven to be an essential piece in the success of my business on countless occasions. Michelle Scarborough, along with the entire team, continue going above and beyond to deliver top tier results, endlessly setting the bar higher each time. They’re truly amazing, and I’m so entirely grateful to have them on my side!
Anne C.
Outstanding insurance company. Madeline Land as well as the entire Midgett team go above and beyond to make sure their customers are receiving the best rates possible.
X R.
Michelle is always help taking care of my insurance needs! Good Job- keep up the good work! Ben's Backyard
Clint H.
Madeliene and her team at Midgett Insurance are great. They have the flexability to get the best deal for you from various companies in all types of insurance. The crew is always courteous and timely in providing info and responses to questions. Highly recommend!
Austin B.
Helped me fine a way more affordable plan that I am very grateful for. Glad someone cares about my pocket and protection. Thank You!
Turning T.
Midgett Insurance was recommended to us when we began our OBX beach rental journey. Rental insurance has skyrocketed but the team consistently meets our needs at a competitive price. The service is great. They always return a call, are always on top of a changing market, and are pleasant to deal with. Whole heartedly recommend.
Cyndi S.
Very personable and genuinely committed to taking care of our needs.
Diana N.
Knowledgeable and good communication.
C.C. M.
I've been with Midgett Insurance for now 30 years,ive only had 3 or 4 claims. each time my then agent was there,in person to answer any and all questions. Sure there are cheaper ones out there, but you get what you pay for. My current agent Madeline Land, has been available any time i need to ask something. A few years back my wife was in an accident,not her fault. The at-fault drivers insurance company(cut-rate ) wouldnt return my calls, Madeline told me not to worry, she would handle it. within 20 minutes, the other agent called me, rental car waiting. When my roof was damaged during a storm, she had an adjuster there in 24 hrs, and work began in 48 hours. The whole staff is top-notch, and its a real hometown feeling whenever i go in there. GREAT JOB GIRLS!!!
David G.
Prompt and courteous service. Very knowledgeable.
Gee R.
Michelle at Midgett Insurance is always there when I need her. Whether it is for a question about coverage or the value of property after the new reassessment, if she doesn't know the answer she points me in the right direction. She's a joy to work with.
Linda P.
We depend on and fully trust the experienced team at the Manteo offices of the Midgett Insurance Agency. Any contact is always handled professionally and also in a friendly manner. It's comforting to feel the people you deal with actually know and care about you.
David C.
Midgett has a always been responsive.
George O.
Always been helpful and on top of things
Doug W.
Madeleine Land at Midgett Insurance Agency is always quick to respond to your insurance questions and needs especially when some carriers decide to cancel your policy. Thank you for a decade of managing on our policies!
David O.
Solid, dependable service
Debbie R.
The personal touch with solid protection offered by Katherine Klonis has kept me for looking elsewhere for my insurance needs. The people we deal with are the key to keeping customer loyalty and you have a win with Katherine.
Chip H.
Katherine Klonis Is the best agent!
Heather M.
Madeleine & her team are amazing! Best customer service !
Heather A.
When calling Midgett Insurance Company you always get an extremely friendly person on the other line. They’re absolutely the best insurance company you could possibly ask for on the Outer Banks. They are all so extremely friendly, polite, courteous, every single person that works in the office
Jodie M.
Madeleine and all of the staff at Midgett Insurance Agency are kind, responsive, and always ready and willing to answer any questions we might have. We have been their clients for over 30 years, and we have never had any reason to look elsewhere for our insurance needs. If you're looking for insurance with a personalized service touch, we highly recommend them.
Joe H.
Long time client . Couldn't ask for better service. Highly recommend these folks.
Jay T.
Madeleine is great agent- always working hard to get you the best coverage and at an affordable price.
Nelene G.
Always professional and great service from the team at Midgett!
Rebecca R.
It’s been a pleasure having Madeleine from Midgett Insurance Agency take care of our home owner’s insurance policy. Owning second home in a separate state we weren’t sure of all the ins and outs and she has taken the time to answer any questions or concerns we have in a very quick, efficient and reliable manner. It’s a bonus that she is also extremely nice and friendly. She has always made herself available for appointments that fit our schedule and she even asks if we want a mid-year call just to have a chance to check in and see if we need anything. The agency is one my grandparents used as well as my father so it’s nice to have the consistency as well and there’s a security in being with a company that has been around for decades as well especially with second homes since we might know most things we should be worried about but not all. Having a company that is located in the area is more helpful to us than calling a random toll free number with a customer service agent anywhere in the world. This feels more personal and that is why we’ve stayed with this company and even more specifically Madeleine. Thank you!!!
Ken P.
Very trustworthy and easy to work with Agency. We were new to buying a beach house in OBX and they made it seamless. They are clearly experienced in what needs to be done to complete the process and offer the most fitting policy.
Tracy S.
Been working with Jan at Midgett for years. Always keeps us posted on changes and what’s best for our property.
Lawrence H.
Jan Presgraves and the team at Midgett Insurance excel in product knowledge and customer service.
Margaret L.
Jan at Midgett Insurance is always so helpful. I appreciate all of her help thru the years.