Why Coastal NC Homes Require Specialized Coverage
Owning a home in Wilmington, Morehead City, Emerald Isle, or the Outer Banks offers beautiful views and access to the water—but it also means higher exposure to storms, flooding, and wind damage. Coastal NC home insurance needs to account for these risks with the right combination of homeowners, windstorm, and flood coverage.
Key Risks for Coastal Homeowners
- Hurricanes and Tropical Storms – Strong winds, heavy rain, and storm surge can cause significant damage.
- Windstorm & Hail – Many carriers have separate deductibles for wind and hail events in coastal counties.
- Flooding – Standard homeowners policies don’t cover flood damage, making separate flood insurance essential.
- Salt Air Damage – The salty coastal environment can accelerate wear and tear on your home’s exterior.
What Coastal NC Home Insurance Covers
A typical policy for a coastal home may include:
- Dwelling Coverage – Protects the structure of your home from covered events like fire, wind, and hail.
- Personal Property Coverage – Covers belongings like furniture, electronics, and clothing.
- Liability Protection – If someone is injured on your property or you cause damage to others.
- Additional Living Expenses (ALE) – Helps pay for temporary housing if your home becomes unlivable.
Additional Coverages to Consider:
- Windstorm/Hail Endorsement – Required in some coastal areas.
- Flood Insurance – Through the NFIP or private carriers.
- Equipment Breakdown Coverage – Protects HVAC and other systems from sudden failure.
How Hurricane & Wind Deductibles Work
In coastal North Carolina, homeowners policies often include separate percentage-based deductibles for hurricane or wind events. For example, a 2% hurricane deductible on a $300,000 home means you’d pay $6,000 out of pocket before insurance kicks in. Sizemore Insurance helps you understand these deductibles so you’re not caught off guard.
Why Work With Sizemore Insurance for Coastal Coverage
We know the unique challenges of insuring coastal properties and have access to top-rated carriers that specialize in these areas. Our advisors:
- Compare rates across multiple coastal-friendly carriers
- Recommend the right mix of home, flood, and wind coverage
- Help you understand deductibles and policy exclusions
- Provide ongoing support from quote to claim
Protect Your Coastal Home Today
Your coastal property deserves protection tailored to its location and risks. Start your coastal NC home insurance quote online in minutes or call (910) 791-1011 to speak with a Sizemore Insurance advisor.