Emerald Isle is known for its stunning beaches, family-friendly atmosphere, and relaxed coastal lifestyle. But with oceanfront beauty comes the reality of hurricane season, tropical storms, wind damage, and flooding. Whether you live here year-round, own a vacation property, or rent your home seasonally, the right homeowners insurance can make all the difference when disaster strikes.
1. Dwelling Coverage
Protects your home’s structure—roof, siding, walls, and foundation—from covered events such as windstorms, hurricanes, and fire.
2. Wind & Hail Coverage
Many coastal policies in Emerald Isle include a separate deductible for wind and hail damage. We’ll explain what that means for you and ensure your coverage matches your needs.
3. Flood Insurance
Standard homeowners insurance does not cover flooding. Homes in Emerald Isle are often in flood-prone zones, so we recommend (and can help secure) a separate flood insurance policy.
4. Personal Property Coverage
Covers your belongings—furniture, appliances, electronics, and more—both in your home and away from it.
5. Liability Protection
Provides financial protection if someone is injured on your property or if you accidentally damage another person’s property.
We’re coastal insurance experts who understand the unique challenges of protecting homes along Bogue Banks and the Crystal Coast. As an independent company, we shop multiple trusted carriers to help you get the best combination of coverage and cost.
When you choose Sizemore Insurance, you get:
Start Your Emerald Isle Homeowners Quote Today
Don’t wait until storm season to make sure you’re protected.
Get your quote online in minutes or call (910) 791-1011 to speak directly with a Sizemore Insurance advisor who understands Emerald Isle living.