Getting an affordable home insurance policy is crucial when shopping for home insurance online, especially if your home is considered to be in a flood zone. Most homes that are in a flood zone are near the coast, like the Outer Banks of North Carolina. Major cities along the North Carolina coast like Calabash, Oak Island, Southport, Leland, Carolina Beach, Wilmington, Jacksonville, Morehead City, Nags Head, Kitty Hawk and Corolla. are required to get flood insurance in addition to a homeowners policy because flood insurance is not part of a standard home insurance policy.
If your home is located in one of the beautiful coastal counties of North Carolina, it is important to shop online for the best home insurance rate and coverage options available to you. Homeowners insurance companies can offer discounts toward your annual premium to help reduce the rate. Discounts can be applied if you consider bundling your home and auto insurance together under the same insurer. Coastal underwriters that offer wind and hail protection may provide discounts for your home if you have a hail-resistant roof, preferably new or recently updated.
Coastal homeowners insurance policies are different than shopping for a standard HO-3 homeowners policy which is why you need an insurance agency you can trust. Make sure the insurance company you choose to work with has a strong online reputation and has multiple home insurance carriers to choose from so you can analyze the best rates and coverage. Since your coastal property is subject to flood and hurricane damage your home insurance premium is going to be much higher than if you lived in the piedmont or mountain areas of North Carolina.
We are here to help when you need us most! Easily complete our online North Carolina quoting application today! You can start by simply entering your zip code. If you need home insurance rates fast, give us a call now at 1-855-980-6963! We look forward to working with you!