Coastal homes, flood, wind, and boats — written by agents who live on this coast, check the same tide charts, and answer when a storm has a name.
Standard policies read like they were written in Ohio. Ours are built for a house that hears the ocean.
Wind-zone-aware HO3 & HO5 policies with roof schedules and named-storm deductibles explained in plain English.
Learn moreNFIP plus six private markets quoted side by side. We read elevation certificates like sheet music.
Learn moreBeach-plan and voluntary-market wind coverage, deductible buy-downs, and roof documentation help.
Learn moreAgreed-value hull coverage, wreck removal, and haul-out reimbursement when a storm is named.
Learn moreHO6 walls-in coverage and short-term-rental policies for beach properties that earn their keep.
Learn moreAn extra $1–5M of liability over your home, auto, and boat — for docks, guests, and everything after.
Learn moreAnswer six questions the way you'd answer a neighbor. Your readiness score updates as you go — no email required.
Do you know your current flood zone (post-2024 FEMA maps)?
Is your roof age documented with your insurer?
Could you state your named-storm deductible in dollars?
Do you have flood coverage (separate from homeowners)?
Is there a photo/video inventory of your contents?
If you own a boat: is there a written haul-out plan?
Most coastal homeowners score under 60 the first time. That's exactly why this check exists.
Every new coastal policy starts with a porch visit — roof, elevation, dock, and all.
After Florence we handled 300+ claims with zero clients left to face an adjuster alone. That's the job.
We only place coastal risk with carriers whose storm-claim record we've seen up close.
"Florence put four feet of water in our house. Kate had a claims advocate at our door before FEMA returned our call."
"They found a private flood policy $1,900 cheaper than the NFIP quote our bank handed us. Same coverage. Better, actually."
"Our 42-footer is insured agreed-value with haul-out coverage I didn't know existed. These folks actually sail."
"Bought our first beach house at 34. Blue Harbor explained wind deductibles like humans. Closed on time, insured right."
"I've filed a flood claim on my own house. Twice. Nobody on this coast should learn that process alone."
Kate Merrow · Principal Agent & Founder — 16 years on the Carolina coast, CPCU, third-generation Wilmington.
Tell us about your place at the coast. A local agent calls you back — usually the same day — with real numbers and a plain-English walkthrough.
(910) 555-0122Mon–Fri 8–6 · Sat 9–1 · Storm line answers 24/7 when a system is named
Your request is with a local agent. Expect a call today — tomorrow morning at the latest.