Blog by Erik Jensen

At Hatteras Insurance, today is more than a date on the calendar. Juneteenth is a day of deep significance—one that marks the final enforcement of the end of slavery in the United States and celebrates the freedom, resilience, and rich cultural legacy of Black Americans.

At Hatteras Insurance, we talk to folks every year who didn’t realize their homeowners policy didn’t cover flood damage. It’s a tough conversation to have after the water’s already inside the house.

Florida’s property insurance market is seeing new growth with fresh insurers and reforms, but rising premiums, climate risks, and rebuilding costs still pose challenges. Hatteras Insurance guides you through the latest changes and how to stay fully protected in 2025.

Independent P&C agencies are not commodities. They offer personalized expertise, holistic risk management, multi-carrier options, and true advocacy during claims—proving insurance is about tailored, comprehensive protection, not just the lowest rate.

We are thrilled to announce that Hatteras Insurance has been nominated for the Best of the 352 awards in the Services category under Home & Auto Insurance!

You've probably noticed rate increases at renewal time sometimes modest, other substantial. Why do these rate hikes vary so much between policyholders, even those insured by the same company?How carriers calculate increases, the timing factor that causes disparities, and what it all means for you.