Property types
Coverage starts with
how the home is used.
A house can be a primary residence, a rental, a seasonal retreat, or a renovation project. The application and policy need to reflect the actual situation.
Primary homes
Start with the reason a standard policy is difficult to obtain, then compare coverage without assuming surplus lines is the only answer.
Explore coverage questions ↗Coastal homes
Review wind, named-storm deductibles, flood, and the eligibility rules for North Carolina’s Coastal Pool.
Explore coverage questions ↗Rental properties
Match the policy to the actual occupancy, lease, buildings, liability exposure, and rental-income needs.
Explore coverage questions ↗Short-term rentals and cabins
Tell the insurer about rentals, guest turnover, amenities, and any periods when the home is empty.
Explore coverage questions ↗Second and vacation homes
Seasonal use, distance from help, winterization, and inspections can change the coverage conversation.
Explore coverage questions ↗Vacant or renovating homes
Disclose vacancy and the full renovation scope before relying on an ordinary homeowners policy.
Explore coverage questions ↗Condominium units
Coordinate your unit coverage with the association’s master policy, deductibles, and governing documents.
Explore coverage questions ↗Manufactured and mobile homes
Construction, anchoring, foundation, age, and valuation can affect both eligibility and policy terms.
Explore coverage questions ↗Your next step
Let’s make the options clearer.
Start with the home, the challenge, and your deadline.