Auto Insurance

An auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy.

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Home Insurance

Outer Banks Insurance Agency can help you with regular wind and excessive wind insurance NC coverage.

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Flood Insurance

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves since standard home insurance doesn’t cover flooding from floods.

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Renter's Insurance

A renters insurance NC policy covers your personal property against theft or damage subject to the limits and deductible you select.

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    Type of Insurance

    Outer Banks Independent Insurance Agent

    We are an independent insurance agency locally owned and operated by Keith Fearing's family since 1957. That's right, we've been serving our local customers for over fifty years!

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    Products and Services

    We work hard to make sure you have the best possible coverage at the best available price.

    We offer a FULL LINE of
    Personal and Commercial Insurance.


    Start Small or Go All In


    n 1957, M. Keith Fearing, Jr., formed what is now known as Outer Banks Insurance Agency, Inc., by purchasing the Theodore Meekins Insurance Agency and merging it with the A.W. Drinkwater Insurance Agency that he purchased years earlier. (A. W. Drinkwater was the man who telegraphed the message about Wilber and Orville Wright’s first flight.)



    Two Drivers Arguing After Traffic Accident

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    Outer Banks Insurance Agency, Inc., is a dynamic, independent agency of insurance professionals, specializing in personal and commercial property and casualty lines of insurance. We are committed to protecting assets and minimizing risk to help our clients avoid financial hardship.


    Comprehensive Reports


    Outer Banks Insurance Agency respects your privacy. Any personal information you provide to us including and similar to your name, address, telephone number and e-mail address will not be released, sold, or rented to any entities or individuals outside of Outer Banks Insurance Agency.

    Outer Banks Insurance