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 frequently excludes wind and hail, and it never includes flood. Both have to be placed on purpose. We handle beach homes, sound-side property, condos, and rental portfolios from Wilmington to the Outer Banks and down the South Carolina coast.
Talk to our coastal lead- Wind and hail placed separately when excluded
- FEMA/NFIP flood and private flood options
- Coastal condo including flood
- 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.