Coastal Insurance Brokers

10/12/2026

NFIP or private flood insurance — which one fits your coastal home?

It’s one of the most common questions we get. Standard homeowners policies typically don’t cover flood, so most coastal South Carolina homeowners need to address it separately. Here’s the quick version:

🏠 NFIP (the government program) offers up to $250,000 for the building and $100,000 for contents.
🌊 Private flood may offer different limits, deductibles and coverage options, depending on the carrier and the home.
⏳ NFIP generally has a 30-day waiting period (with some exceptions, like certain loan closings). Private waiting periods vary by carrier.

Neither is automatically better. It depends on your home, your flood zone and your timeline. We compare both side by side for homes in Mount Pleasant, Charleston, the islands and up and down the SC coast.

No Elevation Certificate? You can still start an NFIP quote.

Full breakdown here 👉 https://sccoastalinsurance.com/nfip-vs-private-flood-insurance-which-is-right-for-your-coastal-sc-home/?utm_source=facebook&utm_medium=social&utm_campaign=fb-flood-nfip-private

10/04/2026

From weekend drives through Mount Pleasant to car shows around Charleston, your classic deserves coverage that fits how you enjoy it.

Whether you’ve restored a vintage Mustang or finally bought your dream collector car, Coastal Insurance Brokers can help you explore classic car insurance in South Carolina.

We’re based in Mount Pleasant and work with drivers throughout Charleston, Daniel Island, Isle of Palms, and the Lowcountry.

📞 843-471-2621
🌐 sccoastalinsurance.com

What classic would you put in your dream garage? Tell us below. 👇

09/30/2026

Shopping for home or auto insurance? We now offer Liberty Mutual and can create a customized policy that fits your needs. Contact us for a quote: https://sccoastalinsurance.com/auto-insurance/

09/29/2026

One swallowed sock or a torn ACL can mean a vet bill in the thousands. Pet insurance can help pay those bills so the decision comes down to what your dog or cat needs, not what's in your checking account. Coastal Insurance Brokers is a Mount Pleasant agency, and we'll walk you through your options in plain English.

Click the link below to get a quote!
https://sccoastalinsurance.com/more-personal-insurance/

09/27/2026

You have homeowners insurance. Do you also have flood coverage?

A lot of people don't, and it's usually for one of two reasons. They assume their homeowners policy covers flooding (it generally doesn't), or they assume flood insurance is expensive.

On the second one, the numbers are often better than people think. For many lower-risk (Zone X) homes we're currently quoting, private flood coverage is coming in around $400 a year, while NFIP options are often closer to $700. Actual pricing depends on the property and coverage selected.

And being outside a high-risk flood zone doesn't mean a home can't flood. Nearly 1 in 3 NFIP flood claims over the past decade came from outside those zones.

We're an independent agency, so we can quote both private flood and NFIP options and show you the difference

https://sccoastalinsurance.com/flood-insurance-charleston/ -form

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.