Call Us (803) 786-2224 ☰ ˟
Logo
Call Us (803) 786-2224
  • Home
  • Get a quote
    • Auto Insurance
    • Classic Car Insurance
    • Homeowners Insurance
    • Equine Insurance
    • Farm
    • Flood
    • Recreational Vehicle Insurance
    • Umbrella Insurance
    • Business Owners Policy
    • Commercial Auto Insurance
    • Contractors Insurance
    • General Liability Insurance
    • Workers Compensation Insurance
  • Products
    • Automobile Insurance
    • Bonds
    • Homeowners Insurance
    • Equine Insurance
    • Farm Insurance
    • Farm Auto Insurance
    • Farm Owners Insurance
    • Farm Structures Insurance
    • Flood Insurance
    • Recreational Vehicle Insurance
    • Specialty Automobile Insurance
    • Umbrella Insurance
    • Business & Commercial Insurance
    • Commercial Auto Insurance Insurance
    • Contractors Insurance Insurance
    • Life Insurance
    • General Liability Insurance Insurance
    • Workers Compensation Insurance
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business & Commercial Icon

Business & Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Recreational Vehicle Icon

Recreational Vehicle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Farm Icon

Farm

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Coastal Insurance vs. Hurricane Insurance
TUESDAY, MAY 24, 2022

Coastal Insurance vs. Hurricane Insurance

There are essential differences between coastal insurance and hurricane insurance that homeowners living near the ocean in South Carolina should understand.a beach with a pier in front of a body of water

The agents at Chichester Insurance Agency in Blythewood, South Carolina, can help you determine which combination of insurance coverage may best protect your property, no matter how close you are to the water.

Hurricane Insurance

Hurricane insurance isn’t a single policy but rather a group of policies covering perils commonly associated with hurricanes. There are two main ways your property may be damaged in a hurricane.

·        Flooding—Water from a storm surge and other flooding is specifically excluded from your standard homeowners insurance policy. To get coverage for damage caused by flooding, you must purchase flood insurance from a private insurer or the National Flood Insurance Program.

·        Wind—In some hurricane-prone states, a homeowners policy does not cover windstorm damage. You may need to add a rider to your homeowners policy or purchase a separate policy. Windstorm insurance covers any damage from wind, even if it’s not associated with a hurricane. 

Your insurance company may have separate deductibles for damaged caused by a named storm, hurricane or windstorm. Instead of a flat amount, these deductibles may be a percentage of your home’s value. Deductible percentages vary by insurance company and state.

Coastal Homeowners Insurance

A coastal homeowners insurance policy is much like a standard homeowners policy, but it provides additional coverage for homes located in coastal regions.

With coastal homeowners insurance, you receive additional protection from the adverse financial effects of damage-causing storms that a standard homeowners policy may specifically exclude for homes near the ocean.

Your deductible applies per storm, so during a particularly active weather cycle, you could end up paying your deductible more than once during a single season. Talk with your agent to make sure that your deductible is low enough that you could easily afford to cover it out of pocket more than once each year.

If you own a coastal home, your homeowners insurance policy should look different and offer expanded coverage compared with a regular homeowners policy. Being underinsured could cause severe financial hardship after a storm or hurricane, so it’s crucial to review your coverage with your agent so you understand how your policy works.

Even with an excellent coastal homeowners policy, your agent may recommend that you purchase flood insurance to help protect your property from water damage.

Get the Insurance You Need for Your Coastal Home

Your home represents a considerable investment, so it’s crucial to get the right insurance to help provide protection. Talk with the agents at Chichester Insurance Agency today to learn more about the types and amounts of coverage you need for your coastal home.

Posted 12:46 PM

Tags: hurricane insurance, coastal insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(3)
  • farm insurance(3)
  • home insurance(3)
  • coverage(3)
  • life insurance(2)
  • auto insurance(2)
  • hurricane insurance(2)
  • weather(1)
  • extreme(1)
  • bonds(1)
  • homeowners(1)
  • rv insurance(1)
  • coastal insurance(1)
  • flood insurance(1)
  • livestock(1)
  • equipment(1)
  • general liability insurance(1)
  • ranch(1)
  • burglary(1)
  • farm(1)
  • business owners policy(1)
  • general liability(1)
  • prevention(1)
  • driving(1)
  • car(1)
  • policy(1)
  • business insurance(1)
  • workers compensation(1)
  • auto(1)
  • emergency planning(1)

View Mobile Version

Contact Us Today!
(803) 786-2224

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

305 Main Street
Blythewood, SC 29016

P: (803) 786-2224 | info@chichesterinsurance.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder