Coverage
Homeowners Insurance
Homes near the water need more than a standard policy carries. We write homeowners insurance on both sides of the Intracoastal for primary residences, rentals, and condos, with wind and flood handled rather than assumed.
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What homeowners insurance covers
Dwelling protection
Rebuild and repair costs for the structure itself after fire, wind, hail, or another covered event. The limit should reflect what rebuilding costs on this coast today, not what the house sold for.
Other structures
Detached garages, fences, sheds, and docks. Limits here are usually set as a percentage of the dwelling, and that percentage does not always stretch far enough to cover a dock.
Personal property
Furniture, electronics, and belongings protected against theft, fire, and other covered losses. Most forms cover contents at a percentage of the dwelling limit, and certain categories carry their own low sublimits.
Liability coverage
Legal and medical costs if someone is hurt on your property and you are found responsible. Most forms still start at $100,000, which is the reason to look at an umbrella policy above it.
Loss of use
Hotel and living costs while a covered loss keeps you out of the house. Worth checking the time limit as well as the dollar limit, because coastal rebuilds can outlast a 12-month window.
Wind and hail
Often written separately on the coast, and on barrier islands almost always. We check whether your form includes wind rather than assuming it does, and we place it with the North Carolina Insurance Underwriting Association when no carrier will.
Flood
Standard homeowners policies exclude rising water everywhere, including inland. We price flood coverage alongside the homeowners quote so you see the gap before you sign.
Valuable items
Scheduled coverage for jewelry, art, collectibles, and other high-value pieces. Scheduling insures an item for its appraised value, often with no deductible, and it sidesteps the low category sublimits buried in the base policy.
Who it’s for
Who needs homeowners insurance
Primary residences
Year-round family homes, which usually qualify for the broadest terms available on this coast.
Second homes
Beach houses and getaways with their own risk profile, where occupancy and wind exposure both matter.
Rental properties
Investment homes and short-term listings need a landlord policy instead of a homeowners policy.
Condominiums
Coverage for what your association’s master policy leaves out, written on a form built for unit owners.
Our process
How we quote a coastal home
Tell us about the home
A short form or a phone call. The address, the roof age, and how you use the home are most of what we need to price it properly.
We shop the carriers
We quote your home across the A-rated carriers we vet, weighing what each policy covers against what it costs rather than sorting on price alone.
We walk it through together
We explain every line before you sign. If you are closing, we handle the binder and your lender’s deadlines directly.
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable!”
Dawn DiBrino · Google review
Common questions
Questions we hear about homeowners coverage
Replacement cost pays to rebuild at today’s prices. Actual cash value subtracts depreciation first, so on an older roof the same claim can settle for a fraction of what the repair costs. We tell you which basis a quote uses.
Past about 15 years age starts to drive the decision. Some carriers decline outright and others move the roof to actual cash value, so knowing which markets still write older roofs is most of the work.
Enough to rebuild, which is not the same as the purchase price or the tax value. We price it from current construction cost on this coast and bring in a carrier appraisal on higher-value homes.
Flood, wind in many coastal cases, earth movement, wear and tear, and business activity beyond a small limit. The exclusions matter more than the inclusions, which is why we walk through them at the quote.
Often two of them near the coast. A flat deductible applies to ordinary claims and a separate percentage deductible applies to named storms, and we quote more than one percentage so you can compare the figures.
It is worth quoting both ways. Multi-policy discounts are common, and an independent agency can also split home and auto across two carriers when that combination works out better for you.
Get started
Quote my home
Tell us about the home and a licensed agent will follow up with quotes from the carriers that fit it, along with what each one leaves out.