It’s a common misconception that insurance is difficult to obtain for homes on the Outer Banks but actually insurance is available and is more affordable than you think. Conventional policies are available for many home. The “Beach Plan”, a specialty insurance tailored to the needs of oceanside properties, is also available.
Insurance coverage on the Outer Banks is usually sold a la carte offering fire, wind, flood and liability. If your new home is financed, and located, in a flood zone it requires flood insurance.