Coastal Coverage Insurance | Resident Flood Insurance Experts

Is your piece of paradise providing peace of mind?

Your coastal home is a dream come true and was meant to bring you a place of respite and escape from the frantic pace of city life.

However, it can quickly become apparent that your investment comes with costs that can be difficult to anticipate or plan.

You’ve likely faced frequent maintenance and repair from high winds, flooding, shoreline erosion, hurricanes and tropical storms. All of which can spell out financial disaster if you have the wrong or inadequate insurance coverage.

Coastal coverage can be expensive, especially if you don’t have a knowledgeable and trusted advisor to help you find the right coverage for your unique needs.

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Coastal coverage helps make life a beach.

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. Coastal exposure extends inland for up to 90 miles in some areas because of the bays, sounds and rivers.

High winds, flooding, and storm surge all combine to present a unique challenge for homeowners who are in Mother Nature’s way.

It is a constantly changing market with providers adjusting rates and deductibles every year.

Many coastal policies have unique deductibles or coverage exclusions that apply for wind, hail, and named storms.

Coastal coverage doesn’t have to be confusing.

We Can Help

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Our trusted advisors offer extraordinary proficiency in placing coverage and customizing plans for each homeowner or business.
We’ve built strong relationships with many companies that specialize in the unique exposure of coastal areas, giving you the backing you need to make sure your questions are answered and your needs are met.
In addition to the many standard companies, we have access to surplus lines providers to ensure that your property is covered regardless of the situation.

Meet a Valued Member of our Team

With over nine years of experience, Christina Sprinkle is one our trusted advisors who is passionate about Flood Insurance and Coastal Coverage. She knows the industry so well, and has a unique ability of explaining complicated insurance scenarios. She always goes the extra mile to make sure our clients are getting the right coverage they need at the best price.

Here’s how we make Coastal Coverage easy for you.

Contact one of our local resident flood professionals who have access to the Write Your Own, NFIP (FEMA) and private flood markets.

We’ll review the advantages and disadvantages of each market and help you make the best decision for your unique coverage needs.

Be confident that you have the protection you need, coverage that is easy to understand and the best rates.

Your East Coast Solution – Protecting you from New Jersey to Florida.

While we started providing coastal coverage for some of Virginia Beach’s renowned communities such as Sandbridge, North End, Croatan and the Bayfront. Choice Insurance Agency is able to find exceptional policies for coastal homes in locations such as the following: