Life in Carolina Beach means ocean breezes, a laid-back lifestyle, and the reality of living in a coastal risk zone. Whether you own a year-round residence, a vacation home, or a rental property, homeowners insurance here needs to account for hurricanes, tropical storms, wind, hail, and potential flooding.
1. Dwelling Coverage
Protects your home’s structure—roof, walls, and foundation—against covered risks like hurricanes, windstorms, and fire.
2. Wind & Hail Coverage
Most homes in Carolina Beach have separate wind and hail deductibles. We’ll walk you through your options and ensure you’re prepared before storm season.
3. Flood Insurance
Standard homeowners insurance doesn’t cover flooding, and most properties in Carolina Beach are in flood-prone areas. A separate flood policy may be required by your lender.
4. Personal Property Coverage
Covers your belongings—from furniture and electronics to clothing—if they’re damaged, destroyed, or stolen.
5. Liability Protection
Covers costs if someone is injured on your property or if you accidentally cause damage to another person’s property.
We’re North Carolina coastal insurance experts with decades of experience protecting homes from Wilmington to the Outer Banks. As an independent company, we shop multiple top-rated carriers to find the best fit for your property—balancing price, coverage, and peace of mind.
With us, you get:
Get a Homeowners Quote for Carolina Beach
Don’t leave your home’s protection to chance.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor who knows the Carolina Beach market inside and out.