Coastal Property Insurance

Being located in downtown Charleston, we at King Street Agency have witnessed firsthand the devastation and loss experienced by coastal homeowners who did not have adequate coastal property insurance when disaster struck. How much insurance do you need? How much will it cost you? Whether your coastal home is an investment property, a seasonal retreat, or a full-time residence, it’s vitally important to work with an experienced insurance agent who can help secure coastal property insurance that you can feel confident in.

Coastal homes need more and different coverage than most homeowners’ policies provide. For these properties, expect to carry multiple policies for things like flood, excess flood, and wind coverage. Your King Street agent can help determine the most appropriate coverage for your home, as every property is different and has its own set of insurance needs.

By working with an independent agent, you are buffered from surprising and convoluted quotes. Even if your home is two miles inland, an insurer may rate it as coastal, which leads to higher deductibles and/or increased premiums. As an independent agency that specializes in high-value coastal property, the distance your home is from the coast doesn’t impede us—we’re able to maximize the coverage of your property at a fair price regardless of where you live.

We can also offer advantageous wind and hail coverage in our policies. This is a refreshing alternative to the notoriously expensive Wind Pool option that often leaves homes exposed to risk. (The Wind Pool was created in 1971 by the South Carolina Legislature to make wind and hail insurance coverage available to coastal home and business.) It also means we can save you money. Our competent agents know how to take advantage of discounts like wind-mitigation credits, which carriers often give discounts for.

We love living and working here in coastal South Carolina, which is why we want to make sure your home is safe so you can spend less time worrying about hurricanes and more time enjoying everything the coast has to offer. Whether your home is in Seabrook, Kiawah or Sullivan’s Island, we’ll work with you to make sure it’s protected.