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North Carolina Coastal Home Insurance Rates

29 Mar
NC Coastal Home Insurance Premiums

North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Coastal South Carolina Home Insurance Rates

30 Dec
Coastal Charleston, South Carolina

South Carolina is an amazing place to call home. It is overflowing with world-class cities, beautiful beaches, museums, and restaurants. It is truly a wonderful place to live. Unfortunately, some of our beautiful coastal cities, Myrtle Beach, Charleston and Hilton Head as an example come with some pretty high homeowners insurance premiums if you live […]

North Carolina Joint Underwriters and Wind Pool Map Explained

28 Dec
North Carolina Coastal Counties

North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

Nationwide Insurance Company Will Not Be Renewing policies for Homeowners in North Carolina

09 Oct

Nationwide insurance company recently informed the North Carolina Department of Insurance (NCDOI) that it will not be renewing homeowner policies for 10,525 homeowners in North Carolina. Over 1,000 of those non-renewals are in the Dare County, NC. The NCDOI claims that more the half of the non-renewals are based on the “hurricane hazard assessment tool,” […]

How long does it take to finalize a homeowners insurance policy?

14 Jul

Shopping for homeowners insurance can be a somewhat tedious undertaking but one that is extremely important to fully protecting your home. When shopping for coverage you will need to gather the personal information the insurer will need to set your premium, compare those quotes and then finalize your coverage. If your home is in a […]

Top 5 Ways to Reduce Home Insurance Premiums in 2023

22 Mar

A home is typically the largest purchase the majority of us will make and it is an absolute necessity to protect it with homeowners insurance. Unfortunately, homeowners insurance coverage can be expensive but there are ways to lower your premium.  Insurance rates take a wide variety of factors into consideration, including the size and construction […]

Uninsured Flooding from Hurricane Ian was a Nightmare for Florida Homeowners

20 Oct

Hurricane Ian caused massive damage when it came ashore in southern Florida. One of the most damaging features of Ian was the storm surge which left behind tons of mud, water, muck, and mold where water rushed into homes.  Unfortunately, many Floridians are not carrying a separate flood insurance policy to help cover the cost […]

Florida’s Home Insurance Market – After Hurricane Ian

06 Oct

Homeowners in Florida were already dealing with expensive and sometimes difficult to get homeowners insurance before Hurricane Ian hit and unfortunately the storm will most likely make the insurance market even more challenging.   Many major insurance companies have pulled out of the Florida market altogether which means that most of the insurers in Florida are […]

Flood Zones: How to Determine If You Need to Carry Flood Insurance

13 Jul

Flood insurance can be a financial lifesaver if your home is flooded and, in some cases, carrying flood protection is required. If your home is located in specific flood zones, you will be required to cover flood insurance and in many cases your lender may require flood coverage if they feel the home is at […]

Dwelling Insurance Coverage Guide

16 May

A standard homeowner policy protects your home, but it is made up of a variety of different parts, each one designed to protect a different section of your home or property. When it comes to the structure of your home, it is the dwelling coverage that steps up to protect your house.  Keep reading to […]