Surf City is one of North Carolina’s most sought-after beach towns, offering oceanfront living, boating, and a laid-back community feel. But with life on the coast comes unique insurance needs—especially when it comes to hurricanes, tropical storms, wind damage, and flooding. Whether your property is a full-time residence, vacation home, or rental, your coverage should be tailored to Surf City’s coastal environment.
1. Dwelling Coverage
Covers your home’s structure—roof, walls, and foundation—against covered events like hurricanes, windstorms, and fire.
2. Wind & Hail Coverage
Most Surf City homeowners policies include a separate deductible for wind and hail damage. We’ll help you understand how it works and make sure your policy fits your needs.
3. Flood Insurance
Flood damage isn’t covered by standard homeowners insurance. In Surf City’s flood-prone zones, a separate flood policy is often required and strongly recommended.
4. Personal Property Coverage
Protects your belongings—furniture, electronics, and personal items—whether damage happens inside your home or while you’re away.
5. Liability Protection
Covers you if someone is injured on your property or if you accidentally cause damage to another person’s property.
We’re North Carolina coastal insurance specialists, with decades of experience protecting homes along Topsail Island and the surrounding communities. As an independent company, we shop multiple top-rated carriers to find you the right balance of protection and price.
When you work with Sizemore Insurance, you get:
Make sure your home is ready for storm season—and for everyday peace of mind.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor who understands Surf City.