Lighting the way for 100 years.

Your waterfront home, your sailboat, your family's future—comprehensive insurance designed for the life you've built. Local agents who understand your unique needs.

4.8
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Trusted by families across Eastern North Carolina

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Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

Personal Insurance

Protecting your family's future with comprehensive coverage designed around your life.

From your daily commute to your family home, from weekend getaways to personal property—our personal insurance solutions protect what matters most to you and your loved ones.

Auto & Vehicle Coverage

Comprehensive auto insurance for daily drivers, motorcycle coverage for weekend rides, and RV insurance for family adventures. Competitive rates with local claims support.

Home & Property Protection

Homeowners, condo, and renters insurance plus essential flood and windstorm protection for coastal North Carolina. Comprehensive coverage for your most valuable investment.

Recreational Coverage

Specialized boat insurance for sailboats, motorboats, and personal watercraft. Weekend sailing or coastal cruising coverage designed for Eastern North Carolina waters.

Review my coverage needs

Business & Hospitality Insurance

Comprehensive commercial protection designed to safeguard your business investment and growth.

From essential business coverage to specialized hospitality protection, we safeguard your operations, employees, and growth with industry expertise built over nearly 100 years.

Essential Business Coverage

Commercial auto, property, workers comp, general liability, and business owners policies (BOP). Core protection for your daily operations with cost-effective bundled options.

Specialized Protection

Builder's risk, business interruption, cyber liability, employment practices liability, and equipment breakdown coverage. Modern protection for today's business risks.

Hospitality Expertise

Industry-specific coverage for hotels, restaurants, and tourism businesses. Specialized liability, liquor liability, and seasonal business protection with expert guidance.

Schedule a consultation

Health & Life Insurance

Secure your family's health coverage and financial future with personalized protection plans.

From individual health coverage to life insurance protection, we guide you through important decisions about your family's health and financial security.

Health Insurance Solutions

Individual and family health plans plus Medicare options for seniors. Expert guidance through the health insurance marketplace with personalized plan selection.

Life Insurance Protection

Term and permanent life insurance options to protect your family's financial security. Professional guidance to determine the right coverage for your situation.

Employee Benefits

Group health, dental, vision, and retirement plans for businesses. Competitive benefit packages to attract and retain quality employees.

Explore Health & Life Options

Maritime Coverage

Specialized marine insurance coverage from coastal North Carolina's most trusted experts.

With nearly 100 years protecting boats and marine businesses along our coast, we understand the unique risks of life on the water and marine commerce.

Recreational Marine

Individual and family health plans plus Medicare options for seniors. Expert guidance through the health insurance marketplace with personalized plan selection.

Commercial Marine Operations

Professional coverage for fishing charters, tour boats, marine construction, and salvage operations. Specialized protection for maritime business risks.

Marine Business & Cargo

Marina liability and property coverage plus ocean cargo insurance. Comprehensive protection for businesses dependent on coastal operations.

Talk to Marine Specialist

100 Years of New Bern Insurance Excellence

Founded in 1926 by CD Lancaster in the historic Elks Building, The Insurance Center has grown from a single agent to New Bern's premier independent insurance agency. Through mergers with local legends like the McAden and Willis families, we've built something special – a 45+ person team that combines nearly a century of local knowledge with modern insurance expertise.

Why Choose Us

From New Bern to the coast, Eastern North Carolina trusts us with what matters most.

Independent agents who know your name, understand your needs, and fight for your best interests. Whether you're buying your first policy or managing complex coverage, we deliver the personal service and local expertise that online companies simply can't match.

After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!

★★★★★

Teresa R.

I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…

★★★★★

Elaine J.

Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …

★★★★★

O. Hazzel

Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.

★★★★★

B. Elks

Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …

★★★★★

B. Jerman

Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.

★★★★★

Karen V.

Let's connect you with one of our insurance specialists.

Our experienced agents are here to answer your questions, review your options, and help you secure the right protection. Whether you need a quick quote or want to discuss complex coverage, we'll connect you with someone who can help.

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