Airbnb and VRBO in the Carolinas: Why Your Homeowners Policy May Not Cover It
Renting your home nightly is a business use many homeowners policies are not written for. Here is where coverage stops and what actually fits.
Hurricane Season Readiness for a Coastal Carolina Home
The insurance work that matters happens in May, not in August. Here is the coastal homeowner's readiness list, in the order it should be done.
Getting Out of the Beach Plan: What It Takes
The Beach Plan is a backstop, not a sentence. Here is what moves a coastal home back into the standard market, and what to do at each renewal.
Coastal Roof Requirements and What Carriers Ask
On this coast your roof decides whether you have insurance options, not just what you pay. Here is what carriers ask and what earns credit.
Elevated and Pilings-Built Homes: How They Are Insured
Elevation is one of the best things a coastal homeowner can have working for them. The space underneath is where the coverage surprises live.
Flood Zones on the North Carolina Coast: AE, VE, and What Changes
Two houses a block apart can sit in different flood zones. The letter changes what you pay, how the house has to be built, and what the policy covers.
Barrier Island Homes: Erosion, Setback, and What Insurance Will Not Do
Shoreline loss is the coastal risk no property or flood policy covers. Here is what insurance does and does not do for a barrier island home.
Insuring a Home in Brunswick, New Hanover, or Carteret County
A home in Leland, Hampstead, or Newport is not a beach house and it is not an inland house either. Here is what changes in that middle ground.
Storm Surge vs Wind Damage: Which Policy Pays After a Hurricane
One hurricane can produce a wind claim and a flood claim on the same house. Here is how the damage gets divided, and what decides which policy pays.
Beach House Insurance on the Outer Banks: What It Actually Costs
Insuring a beach house out there usually means three policies, not one. Here is what each one does and what actually drives the number.