Coastal living makes our state a wonderful place to live and work. Keeping your home protected from wind, rain and other natural perils and your valuable possessions safe is part of that peace of mind you depend on to enjoy life to the fullest. It’s important that your homeowners insurance includes those perils that many policies might not automatically include – perils that are part of life in our state.

Windstorm (hurricane) damage and flood insurance  are very important topics in our state and are not always included in your portfolio of insurance.  If you have an older policy that hasn’t been updated to what it costs today to fully replace your home, there may be coverage gaps. 

For a homeowner, navigating this coverage landscape can be confusing. Our agents will review your current homeowners policy to identify if you do indeed have any coverage gaps. We will recommend what options make sense in your situation based on the coverage limits and premium pricing from the network of carriers we work with.

Below are some other optional coverages available to think about:

• Ordinance and Law

• Water backup 

• Increased dwelling replacement costs

• Screened enclosures and carports

• Golf cart damage and liability​

 Ride out the storms knowing one of your most valuable investments is well-protected and covered!