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The Coastal Select homeowners program is available in the coastal areas of Alabama & South Carolina: View the brochure or contact us for more information.

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Homeowners Insurance

Your home is your most valuable asset and should be protected with the best possible insurance coverage. For homeowners living in coastal counties, those options are sometimes relegated to policies that have stripped down coverages or carriers that do not carry financial ratings through A.M. Best. With the introduction of the Coastal Select Homeowners Insurance Program and its accompanying A rating from A.M. Best, now you don't have to settle for second best when insuring your home.

Coastal Select's homeowners (HO-3) policy is designed to provide comprehensive property coverage (including wind) as well as liability coverage for homes in coastal areas. The policy provides insurance related to most risks, including losses or damages to your dwelling and contents due to hurricanes, windstorms, hail, fire, lightning and theft. There is coverage for your other structures as well as additional living expenses in the event you cannot live in your house while it is repaired due to a covered loss. Liability coverage includes personal liability coverage (judgments when you are liable for damages or injuries to others) as well as medical payments to others.


In addition to owner-occupied primary homes, Coastal Select can also provide coverage for owner-occupied seasonal/secondary homes. Talk to a licensed insurance agent for advice on coverage selections and how Coastal Select can provide coverage you can count on.

Additional Coverages

Through Coastal Select, you have the ability to separately insure personal property such as jewelry, silverware and fine arts with no deductible applying. You can also increase coverage amounts for furs, jewelry and watches within your existing personal property coverage amounts. Other additional coverage options include replacement cost protection up to 120%, personal property replacement cost loss settlement, personal injury coverage, home computer coverage and golf cart coverage. In addition, you can extend liability coverage to other residences you own. Talk to a licensed agent for advice on your coverage options through Coastal Select.


Coastal Select offers various discounts that you may be eligible for. These discounts are based on your personal characteristics as well as certain features of your home. Examples of some of our offered discounts include a 24 hour gated community credit, discounts for wind mitigation features such as hurricane shutters, a package policy discount that applies when your Coastal Select agent writes your auto insurance and a new purchase discount for properties purchased within the last 60 days.

Billing Options

You can pay for your Coastal Select policy via check, credit cards, debit cards or electronic funds transfer. Our billing plans include full pay and four pay. Automated recurring withdrawals may be set up so you never have to worry about missing a payment and having a lapse in coverage!

The Complete Package

Comprehensive coverage is available through an A.M. Best rated carrier for homes in coastal areas. Add in additional coverage options, various discounts, flexible billing options and the ability to insure seasonal/secondary homes and Coastal Select truly offers the complete insurance package for coastal homeowners. Talk to a licensed agent today and see how you can access Coastal Select – Coverage You Can Count On!