Coastal Insurance Brokers of North Myrtle Beach

Coastal Insurance Brokers of North Myrtle Beach is an insurance agency in North Myrtle Beach, SC. The agency has operated as an independent insurance agency since 2009, with its original office in Mount Pleasant and a second office serving North Myrtle Beach and the Grand Strand. It compares coverage across more than 25 carriers rather than selling a single company's product, and policies are re-shopped at renewal. Offerings include homeowners, auto, flood, wind and hurricane, personal umbrella, motorcycle, and boat insurance for individuals, plus business owners policies, workers' compensation, and commercial property coverage for local businesses. The agency also holds a SC Surplus Lines Broker license, giving it access to specialty markets. It holds a rating of 5.00 based on 14 reviews.

The agency focuses on the risks of coastal living: wind and hurricane exposure, flood zones, older coastal construction, and high-value or hard-to-place properties that standard carriers sometimes decline. Because flood coverage is generally separate from homeowners insurance and wind may be included or placed separately depending on the property and market, the agency helps clients understand how those pieces fit together, comparing NFIP and private flood options and explaining differences in coverage, pricing, and when protection can take effect. It also writes dwelling fire coverage for landlords and second-home owners, HO-6 policies for condo owners, and policies built for short-term rental hosts. John Cosgrove, Owner and Principal Insurance Advisor, has held his SC Property and Casualty license since 2006 and his Surplus Lines Broker license since 2009.

The office sits on 2nd Avenue South, about a tenth of a mile from US Highway 17 South and the same distance from North Myrtle Beach City Hall, City Court, the North Myrtle Beach Library, and two fire and rescue stations.

Customers describe the team as knowledgeable and responsive, with one noting a homeowners policy quoted, bound, and placed quickly under a tight deadline, along with help on family auto policies.

Services:

• Auto Insurance
• Business Owners Policy (BOP)
• Flood and Hurricane Insurance
• Home Insurance
• Workers Compensation Insurance