North Carolina Coastal Home Insurance
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North Carolina Coastal Home Insurance
NC Coastal Insurance offers homeowners insurance throughout the entire State of North Carolina. We have policies for primary residences, vacation homes and rental properties. We are an independent insurance agency which allows us to shop car insurance through multiple carriers to find an auto policy and price that works for your needs and budget. Tired of paying high premiums on wind and hail insurance?

We work with partner companies to underwrite the Wind and Hail Coverage into a single home insurance policy that includes fire, all perils, and liability. Many home insurance policies do not include coverage for flood damage. Flood insurance is a smart way to protect your valuable assets when wet weather hits and flood damage occurs. An umbrella policy is extra liability insurance that you can purchase.

It was created to help protect you from major claims and the result helps protect your assets and your future. North Carolina Coastal Insurance offers the most affordable insurance products and services to the Brunswick, New Hanover, Onslow, Pender and all additional counties along Coastal North Carolina.
Services
North Carolina Coastal Insurance is dedicated to making the insurance shopping experience simple & informative.
We partnered with multiple leading insurance companies and organizations to provide our clients with a wide range of options and programs.
This allows us to market your insurance needs with all of our partner companies to provide you and your family the best coverage and premium.
Knowing that insurance in the coastal counties of North Carolina requires that special attention, we have a full staff of professional insurance representatives ready to consult with you on all of your insurance needs.
Many of our partner insurance companies underwrite All-Inclusive Home Insurance Coverage.
All-Perils vD Fire, all hazards, liability, plus wind and hail in a complete package.
Most of the time this is less expensive than going through the NC State Wind Pool vD NCJUA.
Established in 2008, Lighthouse Property Insurance Corporation (Lighthouse) is an admitted property and casualty insurance company authorized to write in Louisiana, South Carolina and North Carolina.
Based in Orlando, FL, Lighthouse sells and distributes its policies only though licensed, professional independent agencies.
A homeowners insurance policy is a multi-peril policy, which means it combines property and casualty coverages in the same policy.
A multi-peril policy offers numerous advantages to consumers as it conveniently packages a range of coverages under one policy and is normally less expensive than if all coverages were purchased individually.
Homeowners insurance is sold as a personal package policy - designed to cover a broad spectrum of perils associated with owning or renting a home.
A peril is an event that causes damage to a property, like fire or theft.
Auto insurance is an incredibly important piece of the insurance puzzle that you need to have - and in North Carolina your needs may often be very specific.
A lot of people choose to drive with 'liability only' insurance, not realizing the danger they are putting themselves and their families in financially.
Comprehensive coverage, often called "other than collision", covers your vehicle for not at fault, non-accident collisions.
For example, comprehensive would cover you if your car were stolen, or left out in a hail storm - things you otherwise have no control over.
Mistakes happen, but if you do get a DUI, you need to make sure you get the best possible insurance rate through those three years.
Your car insurance rates after a DUI charge in North Carolina could go up as much as 60%, depending on the company you choose!
A DUI charge can wreak havoc on auto insurance rates and make it harder for you and your family to find good auto insurance coverage in North Carolina at an affordable rate.
A DWI conviction is charged as 12 insurance points and the general rule is: the more insurance points, the more premium that is charged.
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