The North Carolina Insurance Underwriters Association considers all of the following coverages essential for beach and coastal areas except:

The North Carolina Insurance Underwriters Association identifies several coverages that are essential for properties located in beach and coastal areas, where risks like windstorms, hurricanes, and flooding are prevalent.

Windstorm coverage is vital because high winds can cause significant damage to coastal properties, especially during storm events. Similarly, hurricane coverage is critical due to the frequency and intensity of hurricanes in these regions, providing financial protection against the associated damage.

Flood insurance is also essential in coastal areas since these locations are at increased risk of flooding from storm surges and heavy rainfall. As a result, it is prioritized for property owners to mitigate potential losses.

While earthquake coverage can be important in certain regions, it is generally not considered an essential coverage type for beach and coastal areas in North Carolina. This is due to the relatively lower risk of earthquakes compared to the common threats posed by windstorms, hurricanes, and flooding in coastal environments. Thus, earthquake coverage is not a primary concern for property insurance in these specific areas as the other coverages are.