# NC Coastal Insurance (North Carolina Coastal Insurance)

> Independent insurance agency based in Wilmington, NC, serving all of North Carolina with a focus on the coast (Brunswick, New Hanover, Onslow, and Pender counties). Because we are independent, we compare multiple carriers, including the NC Coastal Property Insurance Pool (the "Beach Plan"), rather than being limited to one insurer. Our specialty is coastal wind and hail coverage.

- Address: 3410 River Road Suite 202, Wilmington, NC 28412
- Phone: (910) 591-1010
- Email: csr@coastalinsurance.email
- Hours: 8am to 8pm, 7 days a week
- Member of: Independent Insurance Agents of North Carolina (IIANC), Trusted Choice

## Coverage we write

- [Wind and Hail Insurance](https://www.nccoastalhomeinsurance.com/north-carolina-wind-and-hail-insurance): Coastal windstorm coverage, including HO-3 wind coverage and the NC Beach Plan (NCIUA). Our primary specialty.
- [Homeowners Insurance](https://www.nccoastalhomeinsurance.com/homeowners-insurance): Multi-peril home coverage for primary residences, vacation homes, and rentals.
- [Flood Insurance](https://www.nccoastalhomeinsurance.com/flood-insurance): Separate from wind and homeowners; covers storm surge and rising water.
- [Auto Insurance](https://www.nccoastalhomeinsurance.com/auto-insurance): Required in North Carolina; shopped across multiple carriers.
- [Umbrella Insurance](https://www.nccoastalhomeinsurance.com/umbrella-insurance): Extra liability coverage above home and auto policies.
- [DUI Insurance](https://www.nccoastalhomeinsurance.com/nc-dui-insurance): Auto coverage for North Carolina drivers after a DUI.

## Guides and articles

- [Coastal NC Hurricane Season Insurance Checklist](https://www.nccoastalhomeinsurance.com/coastal-nc-hurricane-season-insurance-checklist): What to confirm before a storm is named.
- [Hurricane and Named-Storm Deductibles in North Carolina](https://www.nccoastalhomeinsurance.com/nc-hurricane-named-storm-deductibles): Why coastal deductibles are a percentage of your dwelling coverage rather than a flat amount, and what triggers them.
- [Can You Buy Insurance Right Before a Hurricane?](https://www.nccoastalhomeinsurance.com/buy-insurance-before-hurricane-nc): How binding moratoriums work and why coverage must be arranged before a storm is named.
- [Lower Your Wind and Hail Premium with a FORTIFIED Roof](https://www.nccoastalhomeinsurance.com/fortified-roof-wind-hail-discount-nc): Mitigation credits, the FORTIFIED standard, and grant programs.
- [All articles](https://www.nccoastalhomeinsurance.com/recent-articles)

## Key facts we are commonly asked about

- Wind and hail coverage is part of the HO-3 policy form, but the primary carrier sometimes excludes it, in which case it becomes a separate policy with the NCIUA.
- The NCIUA (North Carolina Insurance Underwriters Association) is a state wind pool that acts as a market of last resort when a primary carrier excludes wind, hail, hurricane, and tornado coverage.
- Flood is never included in an HO-3 homeowners policy. It is always a separate policy, and new flood policies generally carry a waiting period.
- A "named storm" is an active weather system named by the National Hurricane Center. Coastal wind policies often apply a separate named-storm deductible calculated as a percentage of dwelling coverage.
- Once a storm is named, most carriers stop binding new coverage or changing existing policies until it passes.

## Contact

- [Request a free quote](https://www.nccoastalhomeinsurance.com/free-insurance-quote)
- [Contact us](https://www.nccoastalhomeinsurance.com/contact)
- [About the agency](https://www.nccoastalhomeinsurance.com/about-nc-coastal-insurance)