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Flood Insurance

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Additional Living Expenses Homeowners Coverage in SC and NC
Flood Insurance

Additional Living Expenses Homeowners Coverage in SC and NC

Additional living expenses homeowners coverage, labeled loss of use or Coverage D on many forms, reimburses the increase in living costs after a covered South Carolina or North Carolina home loss makes the dwelling unfit to occupy. An NFIP flood policy typically does not pay hotels or extra meals.

By Beach Insurance LLC
Water Backup Coverage Carolina Homes vs Flood
Flood Insurance

Water Backup Coverage Carolina Homes vs Flood

Most Carolina homeowners policies do not automatically pay for sewer or drain backup. Water backup coverage is usually a chosen-limit add-on, and it is not a substitute for flood insurance.

By Beach Insurance LLC
Condo Insurance HO-6 Carolina Coast Unit Coverage
Flood Insurance

Condo Insurance HO-6 Carolina Coast Unit Coverage

An HO-6 condo policy is built for the unit you own, not the whole building. Carolina coastal owners should size walls-in coverage, review loss assessment, and consider separate flood insurance.

By Beach Insurance LLC