Coastal NC & SC
Coastal insurance for wind, flood, second homes, and rentals
Coastal property in North and South Carolina often needs more than one policy. We help you see what each one covers — and what it does not.
The layers coastal owners should know
Wind & hail
Some coastal homeowners policies exclude wind and hail or carry a separate, higher deductible for named storms. When it is excluded, it usually has to be placed separately.
Flood
Standard homeowners policies generally do not cover flood. Flood coverage is typically a separate policy through FEMA's NFIP or a private flood carrier, and a waiting period often applies.
Second homes
A beach house you do not live in full time is rated differently from a primary residence. Occupancy affects which carriers and coverage options are available.
Vacation rentals
Renting a property short term can change how a homeowners policy responds. Rental use may need a landlord or short-term rental policy, depending on carrier terms.
Coverage, exclusions, and deductibles vary by carrier, location, and policy terms. Your policy documents control what is covered.
Coastal division lead
Talk with Jamie Shoemaker
Jamie writes personal and business insurance throughout both Carolinas and leads our coastal division.
Coastal insurance questions
Does homeowners insurance cover flood?
Standard homeowners policies generally do not cover flood. Flood is usually written as a separate policy through the NFIP or a private flood carrier.
Is wind and hail included on a coastal home policy?
It depends on the carrier and location. Some coastal policies exclude wind and hail or use a separate named-storm deductible, so it is worth checking your declarations page.
Can I insure a second home or beach house?
Yes, in many cases. Second homes are rated differently from primary residences, and available options depend on occupancy, location, and the property.
Do I need different coverage if I rent my beach house?
Possibly. Short-term rental use can affect how a homeowners policy responds, and some owners need a landlord or rental policy instead. Tell your agent how the property is used.
Do you write coastal coverage in South Carolina too?
Yes. Our agents are licensed in both North Carolina and South Carolina.