The East Coast has an interesting distinction of being affected by both tropical storms and hurricanes from the south and nor’easters from the north. The Midatlantic region is often subject to both! High winds, flooding, and storm surge all combine to present a unique challenge for homeowners who happen to be in Mother Nature’s way.

That’s why having the right insurance policy is so important. Coastal exposure extends inland for up to 90 miles in some areas because of the bays, sounds, and rivers. It is a constantly changing market with insurers adjusting rates and deductibles every year. Many coastal policies have unique deductibles or coverage exclusions that apply for wind, hail, and named storms.

We got our start finding good policies for ocean front homes in Sandbridge, North End, Croatan, and on the Bayfront in Virginia Beach, Virginia.

  • Jersey Shore, NJ
  • Ocean City, MD
  • Outer Banks, NC
  • Isle of Palms, SC
  • Fernandina Beach, FL

Choice Insurance Agency is an expert at placing coastal property coverage and customizing plans for each homeowner or business. We have access to many companies that specialize in the unique exposures of coastal areas. In addition to many standard companies, Choice Insurance Agency also has access to surplus lines carriers to ensure that we can cover your property regardless of the situation.

Choice Insurance Company also has resident flood insurance experts on staff. We have access to the Write Your Own, NFIP (FEMA), and Private flood markets. Our agents will review the advantages and disadvantages of each and help you make the best decision for your unique situation.