Homeowners coverage for salt air, storm season, and everything after
A house near the water works harder than most — so should its insurance. We build homeowners policies around coastal and inland Carolina properties: primary residences, vacation homes, rentals, and condos alike.
What's covered
What a Coastal Shield homeowners policy can include
Dwelling protection
Rebuild or repair costs when fire, wind, hail, or another covered event damages the structure itself.
Other structures
Detached garages, fences, sheds, and docks — the property beyond your four walls.
Personal property
Furniture, electronics, and belongings, protected against theft, fire, and other covered losses.
Liability coverage
Legal and medical costs if someone is hurt on your property and you're found responsible.
Loss of use
Hotel and living expenses while a covered loss keeps you out of your home.
Wind and hail add-on
Frequently written separately near the coast — we make sure this gap never surprises you.
Flood add-on
Standard homeowners policies exclude flood; we pair yours with proper flood protection.
Valuable items add-on
Scheduled coverage for jewelry, art, collectibles, and other high-value pieces.
Is this you?
Who needs homeowners coverage?
Primary residences
Year-round family homes that deserve year-round protection.
Second homes
Beach houses and getaways with their own risk profile.
Rental properties
Investment homes and short-term listings.
Condominiums
Coverage for what your association's master policy leaves out.
The Coastal Shield difference
An independent agency in your corner
Carriers compete for you
We quote your policy across multiple trusted insurers and let the numbers argue for themselves.
Built around your life
Your home, your budget, and your plans decide the coverage — never a one-size template.
Coastal know-how
Wind zones, flood maps, hurricane deductibles — we work with them every day because we live here too.
People, not queues
From your first quote to a claim at the worst moment, you reach the same local team.
Client reviews
In their own words
Every quote below is a real Google review from a Coastal Shield client, unedited.
“The absolute best insurance agency around. They are responsive, provide excellent options, and stay in touch until you are satisfied. I wouldn’t go anywhere else for my insurance needs.”
Sandi Burner · Google review
“The customer service at Coastal is exceptional. Madisyn kept me updated throughout the entire process and got us a great rate. She’s always available and explains things clearly.”
Dawn D. · Google review
“I`ve dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and total responsiveness throughout the entire process while meeting her client`s needs. Coastal Shield Insurance made life simpler and we are delighted to have them as our go-to insurer.”
Neil Cotiaux · Google review
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable! I highly recommend anyone looking for top notch insurance solutions to contact Anna!”
Dawn DiBrino · Google review
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