A coastal home can bring questions about wind and hail, rebuilding costs, property use, and separate flood coverage. From year-round residences to second homes, we help you understand the available options, their deductibles and limits, and how the policies may work together.
A coastal home can bring questions about wind and hail, rebuilding costs, property use, and separate flood coverage. From year-round residences to second homes, we help you understand the available options, their deductibles and limits, and how the policies may work together.
A home near the water comes with insurance questions that deserve a closer look. How is the home built? How old is the roof? Do you live there full-time, visit seasonally, or rent it out?
We start by getting to know your property and what matters to you. Then we help you compare available coastal home insurance options, talk through deductibles and limits, and understand how home, wind and hail, and flood coverage may fit together. You should know what you’re choosing—and why.
Whether you’re putting down roots in Wilmington or returning to a favorite place at the beach, we can help you explore coverage for:
You don’t have to wait until renewal to ask a question. Get in touch when you’re:
Tell us what’s changing, and we’ll help you understand what it could mean for your insurance.
We explain how home, wind and hail, and flood coverages may interact. Availability, deductibles, exclusions, and eligibility vary.
Depending on the property and policy, windstorm and hail coverage may be included in a standard policy, or it may require a separate policy or endorsement. Deductibles often differ for named storms.
Market value is not the same as rebuild cost. We can discuss local construction costs to help you evaluate your dwelling limit options.
A standard home policy generally does not cover flood damage. Ask about separate flood insurance options for your property.
Learn about Flood InsuranceHow a property is used—whether as a primary residence, a secondary vacation home, or a short-term rental—significantly affects your coverage options and eligibility.
* Options, availability, deductibles, and exclusions vary by policy and carrier.
Your inquiry will be sent to the right person at Chadwick Insurance. For time-sensitive requests, please call our office.
Damage from wind and hail during a named storm is treated differently across policies, often carrying a separate percentage deductible. Flood damage (rising water) is generally excluded and requires a separate flood policy.
The property address, details about recent updates (roof, plumbing, electrical), and a copy of your current declarations page are very helpful for an initial discussion.
Yes, we discuss options for secondary and vacation homes. Be sure to let us know how often the property is occupied and whether you plan to rent it out.
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