Homeowners Insurance
Homeowners Insurance
Homeowners Insurance at the Beach
15+
Experience in Insurance
100%
Satisfaction Rate
Protecting Your Coastal Home in North & South Carolina
Owning a home along the coast is a dream—but it also comes with unique risks. At Nicholas Insurance Solutions at the Beach, we make sure all the pieces of your home insurance puzzle fit perfectly. From hurricanes and flooding to wind and hail, we help you secure coverage that protects not just your house, but your peace of mind.
Why Homeowners Insurance Matters on the Coast
Living near the ocean means dealing with
Hurricane & Tropical Storm Risks
Strong winds and storm surge can cause extensive property damage.
Wind & Hail Exposure
Common in both NC and SC, these perils may require special coverage or separate deductibles
Flooding
Standard homeowners insurance does not cover flood damage. A separate flood policy is often essential for coastal residents
Vacation & Second Homes
Many coastal properties are used seasonally or as rentals, which may require customized coverage.
What’s Typically Covered
A standard homeowners policy generally includes:
- Dwelling Coverage – Repairs or rebuilds to your home after a covered loss.
- 
Other Structures – Garages, sheds, fences, and more.

- Personal Property – Furniture, clothing, electronics, and valuables.

- Liability Protection – Covers you if someone is injured on your property.

- Loss of Use – Helps with additional living expenses if your home is uninhabitable after a claim.
Vacation Homes & Rental Properties
Many beach properties are used as vacation rentals—either part-time or year-round. If you rent out your home, even occasionally, you may need additional protection
Short-Term Rental Coverage
Standard homeowners insurance usually does not cover damage or liability when paying guests are involved.
Landlord Protection
Coverage for property damage, liability, and loss of rental income if your rental becomes uninhabitable.
Personal Liability
Extra protection in case a guest is injured or causes damage while renting your home.
Business Income Coverage
Helps replace lost rental income if your property is damaged by a covered peril.
What’s Typically Covered
South Carolina
- Many coastal homeowners rely on the South Carolina Wind & Hail Underwriting Association (SCWHUA), often called the “Wind Pool,” for storm protection.
- Flood coverage must be purchased separately—either through NFIP or private carriers.
- Higher deductibles for hurricanes and named storms may apply.
North Carolina
- Wind and hail coverage is often excluded from standard homeowners policies in coastal counties.
- You may need a separate windstorm policy through the NC Joint Underwriting Association (NCJUA) or private carriers.
- Flood insurance is available through the National Flood Insurance Program (NFIP) or private flood insurers.
WHY CHOOSE US
Why Choose Nicholas Insurance Solutions at the Beach?
Because your home is unique, your insurance should be too. With our local expertise and trusted carrier partners, we make sure all the pieces of your home insurance puzzle fit perfectly.
Local Expertise
We live and work in the communities we serve
Peace of Mind
When the storm passes, you’ll know you’re covered
Trusted Carriers
We partner with top insurance companies to provide reliable options
Personalized Protection
Every coastal property is different—we’ll customize your coverage
Ready to Protect Your Coastal Home?
Whether you live year-round at the beach, own a vacation property, or rent your home to guests, our team will help you navigate the unique insurance requirements of North and South Carolina coastal living.
Conatct Us
Call Us
843-305-7873
Mail Us
info@nicholasagent.com
Address
1019 Hwy 17 S, Ste 127, North Myrtle Beach, SC 29582