Coastal Insurance Brokers

08/28/2026

Thanks to Service Master for stopping by with some cool treats!!!

08/12/2026

🏠 Thinking about replacing your roof? Don't do it without checking your insurance first.

For coastal South Carolina homeowners, a new roof can be more than a home improvement.

Certain wind-mitigation upgrades and FORTIFIED roof standards may help strengthen your home against hurricanes and could qualify you for insurance discounts, depending on your carrier.

South Carolina's Safe Home program can also provide grant assistance for qualifying mitigation projects when funding is available.

The important part: not every new roof is treated the same by insurance companies.

Before you sign a roofing contract, it's worth understanding:

✓ What documentation your insurance company may want
✓ Whether FORTIFIED construction makes sense for your home
✓ Which mitigation features may qualify for discounts
✓ How the age and type of roof affect your insurance options

Already planning a roof replacement? Give Coastal Insurance Brokers a call before the work starts. We can help you understand the insurance side of the decision.

📞 843-471-2621

Coastal Insurance Brokers
Serving Coastal South Carolina since 2009

08/06/2026

“A Few Miles Changed Charleston’s Story”

Most people don’t realize how close Charleston came to a very different outcome in 1989.
Hurricane Hugo made landfall just north of the city, near Sullivan’s Island — and that track is a big reason downtown Charleston wasn’t underwater. The National Weather Service has said it directly: a track just a little farther south would have put most of the peninsula under water.
It’s not just a “what if.” South Carolina’s own emergency management division modeled a Hugo-strength storm hitting the state today and estimated over $8 billion in damage and 21,000+ homes destroyed. A separate academic model looking specifically at a landfall near Kiawah put tri-county damage north of $40 billion.
Here’s why that matters if you own property here: the storm you remember (or the one your neighborhood “always” avoided) isn’t a guarantee of what happens next time. Track shifts of even a few miles change everything — wind exposure, surge height, which side of the eyewall you’re on.
If it’s been a while since you looked at your wind, flood, and homeowners coverage together, it’s worth a quick check — not because something’s coming, but because “we got lucky before” isn’t a coverage strategy.

📞 Call us at 843-471-2621 or send a message if you want a second look at how your policies actually line up.

07/27/2026

Yesterday’s flooding was another reminder that it doesn’t take a hurricane to cause flood damage.

Many homeowners are surprised to learn that a large percentage of flood insurance claims come from properties outside high-risk flood zones.

If you’re unsure about your home’s flood exposure, we’re happy to review your property’s risk and explain your options. No pressure, just honest advice.

📞 Call Coastal Insurance Brokers or click below for a free flood risk review.

Call now to connect with business.

07/19/2026

🏡 Primary Home vs. Rental Property: The Insurance Isn't the Same

At first glance, these homes look nearly identical.

But from an insurance standpoint, they're completely different.

A homeowners policy is designed for a home you live in. If you rent that same home to someone else—even for a long-term lease—you may need a landlord (dwelling fire) policy instead.

Choosing the wrong policy could leave important gaps in coverage if you ever have a claim.

A few key differences:

✅ Coverage for your personal belongings
✅ Liability protection based on occupancy
✅ Loss of rental income protection for landlords
✅ Different underwriting requirements

Many homeowners don't realize they need to update their insurance when they turn a primary residence into a rental property.

If you're thinking about renting your home—or you've already made the switch—it's worth reviewing your coverage before a claim happens.

📞 Coastal Insurance Brokers
📍 3404 Salerbeck Ste 102
Mount Pleasant, SC 29466
📱 843-471-2621

Not sure which policy is right for your property? We're happy to review it with you.

07/12/2026

07/12/2026

“I don’t need flood insurance — I’m not in a flood zone.”

We hear it every week on the coast. Here’s why it’s the most expensive assumption a homeowner can make.
According to FEMA, nearly 1 in 3 flood insurance claims come from properties outside high-risk flood zones — homes where coverage was never even required. Flooding doesn’t check your zone. Heavy rain, storm surge, overwhelmed drainage, a saturated Lowcountry summer — water goes where it wants, and as little as one inch inside your home can mean around $25,000 in damage.
What most people don’t find out until it’s too late — you can’t buy flood coverage once a storm is coming:
• NFIP policies have a 30-day waiting period. Buy today, you’re not covered until next month.
• Private flood markets stop binding when a storm threatens. Once a named storm is in the picture for our area, carriers won’t write new coverage until it passes.
The time to get covered is before anything is on the map.
Why it matters at Coastal Insurance Brokers: we write in both the NFIP and private flood markets — so we’re not stuck offering you one option. We shop both sides to find the coverage and price that fit your home.
Not sure where you stand, or what you’re eligible for? Message us your ZIP or call 843-471-2621, and we’ll walk through your flood risk and your options in both markets. No obligation, no pressure.
📍 Mount Pleasant & North Myrtle Beach, SC

06/27/2026

📈 Coastal homeowners insurance rates are climbing — and if you're in the Charleston, Myrtle Beach, or Hilton Head area, here's what's behind it.
A few things have been driving rates up along the coast:

🌀 Rebuilding costs have risen after recent storm seasons.

🏚️ Wind and roof claims have been more frequent, and insurers price for that.

🌊 Coastal and flood exposure are being weighed more closely than they used to be.
Here's the part most people miss: rising rates aren't a reason to wait — they're a reason to look now.
Pull out your current policy and check two things: your deductible, and your wind/hurricane coverage. If you're in Mount Pleasant, North Myrtle Beach, Hilton Head, or nearby, a quick review can tell you whether your coverage still matches your real risk — or whether you're paying for the wrong thing.
Questions? Reach out at https://sccoastalinsurance.com/contact/ or call (843) 471-2621.

06/27/2026

Don't procrastinate — be prepared for this year's hurricane season with a real coastal prep plan.
🌀 Know your evacuation zone with SCEMD's "Know Your Zone" guide and keep the route printed in your car.

📋 Review the Town of Mount Pleasant hurricane prep page as part of your plan.

🔦 Build an emergency kit with water, medicine, flashlights, batteries, and phone chargers.

🏠 Secure windows, doors, shutters, and outdoor gear before the wind arrives.

📍 Pick a family meeting place off the island and share it with everyone.

📄 Keep your insurance policies and important documents in a waterproof kit.
A few insurance-specific items only an agent would flag: photograph your home before the storm for claims, know your hurricane/wind deductible, and confirm there isn't a flood coverage waiting-period gap.
For local homeowners and small businesses, the right plan plus the right paperwork matters.
Questions? Reach out at https://sccoastalinsurance.com/contact/ or call (843) 471-2621.

06/22/2026

After a big coastal storm, small coverage gaps can turn into big headaches. 🌧️

At Coastal Insurance Brokers, we help neighbors in Mt Pleasant, Daniel Island, Johns Island, and Isle of Palms sort through the details so your policy matches Lowcountry risks. We shop across multiple carriers, which gives you more options than a single-company agent.

If you need Home Insurance, we can review wind deductibles, named storm coverage, and flood requirements based on your location, including homeowners insurance Mount Pleasant SC and homeowners insurance Daniel Island. We can also help with Auto Insurance Quotes to keep your home and vehicles on the same plan when it makes sense.

Quick check list ✔
• Confirm your wind and hurricane deductible
• Know if flood is separate from homeowners
• Update limits if you’ve renovated or added features

Get a free quote.