Personal insurance
Cover the house, cover the cars
Everyday coverage for families across North and South Carolina — and, when you are near the water, the coastal layers most policies leave out.
Property
- Homeowners
- Second home and condo
- Renters
- Landlord and short-term rental
- Mobile and modular homes
- Older homes and roofs over 20 years
- Vacant, under renovation, builder's risk
Vehicles
- Personal auto
- New and young drivers
- Motorcycle and scooter
- Boat and jet ski
- Motorhome and RV
- Collector cars
- Golf carts
Liability
- Personal umbrella
- Excess liability
- Vacant land
- Comprehensive personal liability
- LLC-held property
Coastal NC & SC
Wind, hail, and flood
A homeowners policy on the coast may exclude wind and hail, and standard homeowners policies generally do not cover flood. Those gaps usually need separate coverage, depending on the carrier and policy terms. We handle beach homes, sound-side property, condos, and rental portfolios from Wilmington to the Outer Banks and down the South Carolina coast.
- Wind and hail placed separately when excluded
- FEMA/NFIP flood and private flood options
- Coastal condo coverage, with flood options
- Short-term and vacation rental exposure
- Earthquake coverage
Been told no somewhere else?
A lot of our clients come to us after a decline. These are things we can usually still work with.
DUI, tickets, or at-fault accidents
No prior insurance history
Prior claims on record
Roofs older than 20 years
Out-of-country driving experience
Vacant or under-renovation property
Acceptance is subject to carrier underwriting; we will tell you quickly if we cannot help.