Outer Banks Evacuations & Trip Cancellation Insurance

If Dare County authorities order a mandatory evacuation, you will be required to comply.  In the event of an evacuation you will be notified of our evacuation procedures and must turn in your keys prior to leaving the Island.

Midgett Realty offers Travel Insurance to our guests.  Exclusions and limitations may apply if not purchased at the time of booking.  As per the North Carolina Vacation Rental Act (NCVRA), if the insurance is waived, neither the property owner nor Midgett Realty is liable for refunds. 

Midgett Realty, in partnership with Rental Guardian / Lloyd's Royal Adventure Travel Protection, is pleased to offer our guests Vacation Travel Insurance.  This Insurance plan is a great way to protect your family’s vacation in case of many unexpected emergency situations that may occur.  It also offers a refund if you are required to leave due to mandatory Hurricane evacuation.  Cost for the travel insurance is 7% x trip cost.  This policy is offered to all guests when they pay their advance rental deposit but coverage is only in effect when we have received your signed lease and premium.  Coverage is available for purchase up to 30 days prior to your arrival date for your trip, but no coverage is available if a Hurricane is threatening.  Contact our offices to receive a complete Description of Coverage document.  All acceptance or declining of insurance policies must be made in writing.  Insurance will be added to all reservations until declined from guests in writing then the amount will be deducted from your amount due. Coverage goes into effect once the premium is paid.

For more Policy Information for Rental Guardian / Lloyd's Royal Adventure Travel Protection, please see the below attached file. For other Rental Guardian / Lloyd's Royal Adventure Travel Protection policy question and general coverage questions call 1.888.933.1113