Coastal American Insurance

Insurance Products

For the Spring and Summer...

Home Maintenance Tips

Good maintenance practices help protect the value of your home. Spring and summer are an ideal time to assess damage from the winter and make necessary repairs to prepare for the months ahead.

Coastal American Insurance

Homeowners Insurance

We want to make protecting your greatest investments easy!

Coastal American has created a program that gives the customer the flexibility to select customized coverage limits, deductibles and enhanced coverages.

What is a Homeowners policy and what does it provide coverage for?

Our homeowners policy provides coverages for:

Coverage A - Dwelling

This is the portion of your policy that covers the cost to repair or rebuild your home after it has had damage due to a covered peril/loss.

Coverage B - Other Structures

This provides coverage for other structures on your property that are not connected to your dwelling. (Detached sheds &/or garages for example).

Coverage C - Personal Property

This coverage will help to pay to replace or repair your personal belongings if they are stolen or damaged due to a covered peril/loss.

Coverage D - Loss of Use

This will provide coverage for additional living expenses that you incur if your home is not livable due to a covered peril/loss.

Coverage E - Personal Liability

This is the section of the policy that protects you from expenses that occur from lawsuits or judgements brought against you when you are legally liable for bodily injury or or damage to someones personal property.

Coverage F - Medical Payments to Others

This is the part of the policy that will pay the necessary medical expenses of an individual other than the insured for injuries that occurred at the insured location, regardless of fault.

Coastal American offers customized options to enhance your policy

Specified Additional Amount of Insurance for Coverage A/Dwelling

Personal Property Replacement Cost Coverage

Limited Water Back Up and Sump Discharge or Overflow Coverage

Increased Ordinance or Law Coverage

Scheduled Personal Property

Flood Coverage

Flood loss is devastating and the potential for flood loss exists anywhere that it rains.

Coastal American is a WYO Flood Insurance provider with the National Flood Insurance Program (NFIP)

What is the Cost of Flooding?

What is covered in the Flood Policy?

Building Coverage

Electrical and plumbing systems

Furnaces and water heaters

Refrigerators, cooking stoves, and built-in appliances like dishwashers

Permanently installed carpeting

Permanently installed cabinets, paneling, and bookcases

Window blinds

Foundation walls, anchorage systems, and staircases

Detached garages

Fuel tanks, well water tanks and pumps, and solar energy equipment

Contents Coverage

Personal belongings such as clothing, furniture, and electronic equipment


Washer and dryer

Portable and window air conditioners

Microwave oven

Carpets not included in building coverage (e.g., carpet installed over wood floors)

Valuable items such as original artwork and furs (up to $2,500)

Talk To An Agent Near You For More Details