Home Insurance Service

A standard homeowners insurance policy provides coverage for:

• Dwelling Protection Covers damage to your home’s structure from fire, wind, hail, and other covered risks.
• Other Structures Includes fences, sheds, detached garages, and other separate structures on your property.
• Personal Property Protects furniture, clothing, electronics, and other personal belongings from theft, fire, and other covered events.
• Liability Coverage Helps pay for legal expenses and damages if someone is injured on your property.
• Loss of Use Covers temporary living expenses if your home becomes uninhabitable due to a covered loss.

Home insurance policies may not cover every type of damage, which is why we offer:

• Wind and Hail Insurance Often required as a separate policy in coastal regions.
• Flood Insurance Essential coverage for flood-related damage, as standard policies do not include flood protection.
• Valuable Items Protection Covers high-value items like jewelry, art, and collectibles.

If you own a home, homeowners insurance is essential for protecting your property and finances. Coverage is available for:

• Primary Homes Full-time residences requiring standard homeowners insurance.
• Secondary Homes Seasonal or secondary properties that need specialized coverage.
• Long-Term Rental Homes Investment properties rented for extended periods.
• Short-Term Vacation Rentals Homes listed on platforms like Airbnb and VRBO, requiring additional liability coverage.
• Condominiums Condo owners who need coverage beyond their association’s policy.

• Personalized Coverage We assess your home and risks to recommend the best policy.
• Multiple Carrier Options As an independent agency, we shop policies from multiple trusted insurers.
• Local Expertise Specializing in coastal insurance, we understand the unique risks of North Carolina homes.
• Exceptional Service Our team takes the time to answer your questions and provide ongoing support.

Protect your home with an insurance policy designed for your needs. Contact Coastal Shield Insurance to get a customized quote and find the best coverage at the right price.