Topsail Beach offers beautiful oceanfront and soundside properties, but living on the coast also means higher exposure to wind, hail, flooding, and hurricane risks. Whether you own a vacation rental, a second home, or your full-time residence, having the right homeowners insurance is essential to keeping your investment safe year-round.
1. Dwelling Coverage
Protects the structure of your home—including the roof, walls, and foundation—from covered perils like hurricanes, windstorms, and fire.
2. Wind & Hail Coverage
Most coastal homeowners policies include a separate deductible for wind and hail. We’ll explain how this affects your out-of-pocket costs and help you choose the right option.
3. Flood Insurance
Standard homeowners policies don’t cover flooding, and many Topsail Beach properties are in flood zones. We’ll help you secure a separate flood policy that meets FEMA and lender requirements.
4. Personal Property Coverage
Covers your belongings—from furniture and appliances to electronics and clothing—if they’re damaged or stolen, even when you’re away from home.
5. Liability Protection
Provides financial protection if someone is injured on your property or you cause accidental damage to someone else’s property.
We’re an independent insurance company with deep experience in coastal North Carolina coverage. That means we work with multiple trusted carriers to find you the right combination of price and protection—without the one-size-fits-all approach.
When you work with us, you get:
Whether your property is oceanfront, soundside, or inland, we’ll help you get coverage you can trust.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor who knows Topsail Beach.