North Carolina’s Coast: Where Charm Meets Shoreline
Whether you’re looking for a weekend getaway, an investment property, or a forever home, North Carolina’s beach towns offer something for everyone. Each one has its own personality—and its own insurance needs.
Here’s our list of some of the most popular (and beautiful) beach towns in the state.
1. Wrightsville Beach
- Vibe: Active boating community, boutique shopping, and top-tier surfing spots.
- Insurance Tip: High wind exposure means checking your hurricane deductible and making sure your windstorm coverage is in place.
2. Carolina Beach
- Vibe: Family-friendly boardwalk fun mixed with a growing year-round community.
- Insurance Tip: Flood insurance is a smart move, even for properties outside the highest-risk flood zones.
3. Kure Beach
- Vibe: Peaceful, residential, and perfect for slower-paced coastal living.
- Insurance Tip: Smaller community = fewer service providers during storm recovery, so review additional living expense (ALE) coverage.
4. Emerald Isle
- Vibe: Calm waters and family-oriented charm on the Crystal Coast.
- Insurance Tip: Many homes are seasonal rentals, so you may need vacation rental or landlord coverage.
5. Morehead City & Atlantic Beach
- Vibe: Fishing, boating, and great seafood with easy beach access.
- Insurance Tip: Review dock and watercraft coverage if you own a boat.
6. Outer Banks (OBX)
- Vibe: Spanning over 100 miles of barrier islands with towns like Nags Head, Kitty Hawk, Duck, and Hatteras.
- Insurance Tip: Higher hurricane and flood risk means specialized coastal policies are often required.
Protect Your Coastal Home With Confidence
At Sizemore Insurance, we work with top carriers to help you get the right balance of coverage and cost—whether your property is a vacation rental in Emerald Isle or a primary home in Wrightsville Beach.
Start your quote online or call (910) 791-1011 today.