Buyer TipsOuter Banks Market UpdateSeller TipsUncategorized October 26, 2023

Frontline Insurance Guidelines Update

We met with Lindsey Dail at Towne Insurance this week to talk about the latest updates with insurance providers, and there are several things to note in regards to property on the Outer Banks.  Here are a few highlights of my top takeaways for our local market:

Your insurance premium is always based on replacement cost value of the structure … not the land and not loan value. If building costs increase, your insurance will increase.  The best option to reduce your premium is to increase your deductible.  You can now insure up to $1 million!


  • Roof no more than 10 years old
  • No polybutylene plumbing – will not cover if in the home
  • Hot water heater up to 15 years
  • Tankless water up to 30 years
  • HO3 policy
  • *can supply invoice within 15 days of closing to show roof and/or plumbing replaced to get coverage


  • Roof up to 20 years old
  • Does not care if property has polybutylene plumbing or age of water heater
  • Only a DP policy – does not include wind driven rain

Flood insurance

  • Excess market premium much lower
  • X flood zones do include coverage on ground level and quotes are increasing
  • Cobra does still require flood insurance
  • Can assume flood (cannot assume DP and HO3 policies)

If you would like a PDF copy of the Frontline guidelines, please email me at with the subject ‘Frontline Guidelines’.