Insurance Requirements in a Commercial Lease: A Small Business Owner’s Guide

You’ve found the perfect space for your business. It’s a great location, the right size, and wouldn’t you know, it fits your budget. Now you’re reviewing the lease agreement, and there it is: a list of required insurance policies.

We talk to business owners in your position all the time. Just like you, they wonder what these insurance policy terms mean and are all these policies really necessary?

Insurance requirements in commercial leases can feel like another hurdle, but they’re actually a very important part of protecting your business and setting yourself up for success. In our guide, we’ll break it all down for you. What’s typically required, why it matters, and how to make confident decisions without overlooking critical coverage.

Need help reviewing your lease insurance requirements? The Huneycutt Group is here to help you understand your options and build a plan that fits your business operations.

Key Takeaways:

• Most leases require general liability and commercial property coverage.
• No two businesses are the same. The insurance you need should reflect your operations, assets, and lease terms.
• Understanding your insurance requirements helps to avoid gaps. 

What Are Commercial Lease Insurance Requirements?

Most commercial leases come with insurance requirements designed to protect both the property owner and the tenant. These requirements outline the types of coverage you need to carry during your lease term and sometimes even beyond.

The goal is to make sure that if something goes wrong, a customer slips and falls, a fire damages your inventory, or your space becomes temporarily unusable, there’s coverage in place to handle the costs.

For landlords, this ensures their building and business interests are protected. For tenants, it’s about having financial protection and legal coverage while running day-to-day operations.

Common Policies Required in Commercial Leases

These requirements are usually non-negotiable, but there are often options for how you meet them — and that’s where the right insurance guidance makes a difference.

• General liability insurance
• Commercial property insurance
• Business interruption insurance
• Workers compensation insurance (if you have employees)

Insurance Policies Landlords Require

General Liability Insurance

General liability insurance covers third party claims for bodily injury, property damage, and legal fees if someone is hurt on your premises or if your business accidentally causes damage to the property of others. It’s one of the most common types of business insurance for good reason.

Commercial Property Insurance

Commercial property insurance protects your business property (furniture, inventory, equipment) from risks like fire, theft, or vandalism. Whether you own or lease, this coverage ensures you can recover from damage without taking a huge financial hit.

You’ll often see terms like:

• Replacement cost – pays to replace damaged items at today’s prices.
• Actual cash value – factors in depreciation, which can mean a smaller payout.

Business Interruption Insurance

If a covered event forces you to close temporarily (like a fire or major storm), this coverage helps replace lost income and keep up with ongoing expenses like payroll, rent, and utilities.

Workers Compensation Insurance

If you have employees, most states require you to carry this. It covers medical expenses, lost wages, and legal costs if an employee is injured on the job.

Tip: Even if you’re a small business owner with just a few employees, this coverage is important, and often required by landlords to protect against liability claims.

Optional but Recommended: Additional Coverage That Can Save You

Some insurance types aren’t always required in a lease agreement but are highly recommended depending on your operations.

Commercial Auto Insurance

If your business uses company vehicles or your employees drive personal vehicles for work purposes, commercial auto insurance protects against property damage, bodily injury, and liability.

Commercial Umbrella Insurance

Think of commercial umbrella insurance as extra protection. If a claim exceeds the limits of your general liability or auto insurance, umbrella coverage kicks in to cover the difference.

Business Owner’s Policy (BOP)

For small business owners, a BOP combines multiple types of coverage — often general liability, property insurance, and business interruption — into one cost-effective package.

Additional Insured

Landlords often require that they be listed as an additional insured or possibly as an additional interest on your policies. This gives them certain protections if a claim is filed related to your business operations.

Coverage Limits and Endorsements

Always check the minimum coverage limits required in your lease. You may also need specific endorsements for certain types of risks (e.g., water damage, signage).

What Happens If You Don’t Meet the Lease’s Insurance Requirements?

Failing to meet insurance requirements could lead to a breach of contract and that could create complications with your landlord. But more importantly, you’d be leaving your business exposed to financial risk from unexpected events, legal action, or property damage.

The good news? Meeting these requirements is straightforward once you know what’s needed. Working with an experienced insurance advisor like The Huneycutt Group helps you avoid overpaying while ensuring you have the right protection in place.

How to Choose the Right Insurance for Your Commercial Lease

Not all businesses are alike and neither are leases. That’s why it’s important to work with independent insurance agents who can tailor coverage to your specific lease agreement and business type.

What to consider:

• Your business operations
• The value of your business personal property
• Whether you own business vehicles or lease them
• Your number of employees
• Your lease’s insurance requirements and coverage limits

The Huneycutt Group specializes in helping small business owners and commercial tenants build smart, compliant coverage plans. We’ll help you understand what you’re buying, what it protects, and how to make sure you’re not over- or under-insured.

Insurance That Works for Your Lease

Having the right insurance isn’t just about checking boxes on your lease — it’s about protecting your business, your income, and your peace of mind. When you understand your commercial lease insurance requirements, you can sign with confidence, knowing your business is on solid ground.

Need help navigating your coverage options?

The Huneycutt Group can walk you through your lease’s insurance requirements, recommend smart solutions, and help you find the right coverage at the right cost. Let’s protect what you’re building.

FAQs: Commercial Lease Insurance Requirements

10 Things to Consider Before Buying a Boat

Living in the Coastal Carolinas, it’s hard not to get boat envy. Between the weekends on the water, the jet skis zipping by, and the sunset cruises that seem to pop up in everyone’s feed, not owning a boat can give you serious FOMO. Of course you’re wondering if you should buy a boat. The answer depends on more than just a sunny forecast and a good playlist.

Before you dive in, it’s worth thinking through what boat ownership really involves—from cost, maintenance, and storage, to how often you’ll actually use it. Whether you’re eyeing a jet boat, a small fishing vessel, a pontoon or a pair of jet skis, it pays to think it through.

And when you’re ready, The Huneycutt Group has your back with the right insurance coverage to protect your investment—so you can enjoy the water knowing you’re covered.

Key Takeaways:

• Know Your Boating Style. Your ideal boat depends on how you’ll use it—fishing, sailing, cruising, watersports, or relaxing with family. Match the vessel to your lifestyle, and your budget.
• Boat Ownership Comes With Real Costs. Beyond the purchase price, consider storage, maintenance, towing, and insurance. Planning ahead helps you avoid surprises and protects your investment.
• Insurance Isn’t Optional—It’s Essential. Whether it’s a jet ski, small boat, or brand-new cruiser, boat insurance gives you peace of mind on and off the water.

1. What Kind of Boater Are You?

Start here. Are you drawn to the boating lifestyle for fishing, cruising, watersports, or just relaxing on the water with friends and family? Do you picture yourself towing the kids on jet skis, chasing top speeds, or kicking back in a quiet cove?

Your answer shapes everything—from the size and type of boat to what kind of power, storage capacity, and ride you’ll want.

2. What Boat Fits Your Lifestyle?

Before you start comparing price tags or specs, take a minute to think about how you actually want to use your boat. That answer will shape everything. No matter your boating style, matching the vessel to your vision is the first step to making the most of your investment.

Fishing Solo at Sunrise?

A small, nimble jon boat or center console might be your best bet—easy to tow, easy to store, and low maintenance.

Family Adventures on the Weekends?

Look for a Yamaha boat or a deck boat with room for coolers, gear, and extra seating. Comfort and storage capacity matter when you’ve got kids and family members aboard.

Love Speed and Tight Turns?

A jet boat or jet ski delivers a fast, sporty ride with quick handling. Ideal for thrill seekers who want fun and performance.

Looking to relax, cruise, and entertain?

A pontoon or dual-console boat with a smoother ride and more space is perfect for laid-back afternoons with friends.

New Boat vs Used Boat

And don’t forget the new boat vs. used boat debate. New models come with warranties and zero engine hours, but a well-kept used boat could be a more cost-effective option—especially if you’re just getting started.

3. Think Storage

Storage space is a big deal—both on and off the water. Before you buy, ask yourself: where is this boat going to live? Larger boats usually require more storage space and might need covered or climate-controlled solutions to prevent wear. Storage capacity should never be an afterthought—it’s part of the investment.

Trailer in Your Driveway or Garage

A convenient and affordable choice for small boats, jet skis, or jon boats—if you have the space at home. (mind your HOA)

Dry Stack Storage

Great for boats under 30 feet. Your boat is stored in a covered warehouse and lifted in/out of the water by forklift. It offers better protection from the elements, but you’ll need to plan ahead for access.

Marina Slip Rental

Ideal for frequent boaters. You’ll have the boat ready to go in the water—but this option comes with higher monthly costs and potential waitlists in popular areas.

Private Dock

If you’re lucky enough to live on the water, docking at home gives you maximum convenience (and some added home value), but you’ll need to consider wear-and-tear, weather exposure, and security.

Boatyard Storage or Off-Site Facility

These offer seasonal or year-round options with varying levels of access and protection.

4. Do You Have a Tow Vehicle?

If you’re planning to store your boat at home or use dry stack storage, you’ll likely need to tow it yourself. That means making sure your tow vehicle is up to the job.

Towing capacity isn’t just about raw power—you’ll need to factor in the total weight of the boat, trailer, fuel, and gear. A smaller fishing boat or jet ski might be fine behind an SUV or midsize truck. But larger vessels require serious strength and braking control.

Also think about how this affects your household. Is your current car or truck your daily driver? Will frequent towing shorten its lifespan? If you don’t already own a tow-capable vehicle, that’s another cost to consider in your overall boat ownership plan.

5. Who’s Coming With You?

How many family members, friends, or kids will be on board? You don’t want to buy a boat that’s too cramped or too bare-bones. Think about more room, seating, shade, and comfort features.

The right vessel should fit your crew, your activities, and your expectations. After all, the boating life is meant to be shared. Your friends will make sure of that.

6. Are You Ready for the Maintenance?

If you’re buying a used boat, make sure to check engine hours and past maintenance history. Engine hours are a key indicator of wear but also consider the boat’s marine age—how long it’s been exposed to saltwater and elements, which can cause corrosion and wear even if engine hours are low.

Like any vehicle, boats need regular care. That includes:

• Engine checks
• Hull cleaning
• Electrical system upkeep
• Seasonal service
• Using the right fuel additives

On average, boat owners can expect to spend around 10% of the boat’s purchase price annually on maintenance and repairs. This includes routine upkeep as well as unexpected repairs. Planning for these costs helps avoid surprises and keeps your boat in top shape.

7. How Much Does Insurance Cost for a New Boat?

Just like with cars, the cost of boat insurance depends on a few things.

• The type and size of the boat
• Whether it’s new or used
• Its value and top speed
• Where and how it will be stored
• Your boating experience and usage patterns
• The level of coverage you choose

On average, insuring a new boat can cost anywhere from $300 to $1,000+ per year—but high-performance boats or larger vessels may run higher. Premiums are typically lower for boats with safety features, newer engines, and reliable maintenance records.

The bottom line: boat insurance is affordable and worth every penny when it comes to protecting your investment from accidents, weather damage, liability claims, or theft.

The Huneycutt Group can help you get the right coverage for your boat and your lifestyle—without overpaying. Whether you’re buying your first jet boat or upgrading to a new cruiser, we’ll help you find a policy that fits.

8. Pros and Cons of Buying a Boat vs Renting a Boat

If you’re still deciding whether to buy a boat or stick with rentals, here’s a quick breakdown to help you weigh the options:

Buying a Boat – Pros:

• Unlimited access – Take it out whenever you want
• Personalized setup – Outfitted with your gear, electronics, and comfort features
• Long-term value – Builds equity if well maintained
• Better for frequent use – Makes more financial sense if you’re on the water regularly

Buying a Boat – Cons:

• Higher upfront cost
• Ongoing maintenance and storage
• Insurance and registration required
• Depreciation, especially with new boats

Renting a Boat – Pros:

• Lower commitment – No maintenance cost, storage, or insurance worries
• Access to different boat types depending on your needs
• Cost-effective if you only boat a few times a year

Renting a Boat – Cons:

• Limited availability during peak times
• No customization – What you get is what you get
• Hourly or daily rental fees can add up
• No equity or ownership benefits

If boating is becoming a regular part of your life, or you want it to be, buying a boat may be the smarter long-term move. And when you do, The Huneycutt Group can help you protect it with insurance that fits your needs.

9. What’s the Long-Term Value?

Some boats hold their value surprisingly well—especially if they’re cared for properly. When you buy smart, owning a boat can be a source of both fun and long-term equity.

Still, like with any big purchase, it’s smart to protect it. Talk to The Huneycutt Group to for coverage that fits your boating lifestyle.

10. Other Important Considerations

Environmental and Local Regulations

Before buying, research any local boating regulations or restrictions. Some areas limit boat speeds, restrict jet ski use, or have noise ordinances to protect wildlife and residents. Knowing these rules helps you avoid fines and ensures a better boating experience.

Safety Equipment and Practices

Boat owners should equip their vessels with proper safety gear, including life jackets, fire extinguishers, flares, and first aid kits. Familiarize yourself with boating safety practices and local requirements to keep everyone safe on the water.

Fuel Efficiency and Running Costs

Boats vary widely in fuel consumption. Larger engines and faster boats typically burn more fuel, which adds to your annual operating costs. Consider fuel efficiency as part of your overall budget.

Resale Value Tips

Maintaining your boat well, storing it properly, and keeping detailed service records can help preserve its resale value. Boats that are well cared for tend to sell faster and at better prices.

Seasonal Use and Weather Impact

Think about your local climate and boating season length. Boats require winterizing in colder areas to prevent damage. Seasonal use affects maintenance schedules and costs.

Financing Your Boat Purchase

If you don’t have the cash upfront, many lenders offer boat loans similar to auto loans. Financing can make buying a boat more affordable but factor in interest and monthly payments in your budget.

Ready to Buy a Boat? Make Sure You’re Covered.

Buying a boat is a big decision—but also an exciting one. Whether you’re diving into fishing, cruising the coast, or chasing adventure on a jet ski, having the right insurance makes all the difference.

The Huneycutt Group is here to help you safeguard your boat and your lifestyle. We’ll help you get the coverage you need so you can focus on the fun part: getting out on the water.ce.

FAQ: Should I Buy a Boat?

Commercial Condo Insurance: What It Covers, What It Costs, and How to Get It

Commercial condo insurance is a multi-layered insurance policy that helps protect what the master policy doesn’t, filling in gaps. Whether you own and lease a commercial condominium unit or own and operate a small business inside it, this coverage can be the difference between a minor setback and a major financial hit.

Not sure where your coverage starts and ends? The Huneycutt Group is here to help. We’ll walk you through what’s covered by your master policy and what’s not, so you can get your coverage right.

Key Takeaways:

• Your master policy doesn’t cover everything. The condo association’s master policy typically stops at the walls — everything inside your unit, from fixtures to business equipment, is your responsibility. That’s where commercial condo insurance steps in.
• Coverage is multi-layered and flexible. From property coverage and liability protection to business interruption insurance, a well-built policy protects your investment, income, and operations from fire, theft, and other unexpected events.
• Costs vary — but so do your options. The cost of commercial condo insurance depends on your property, location, and business type.

What Is Commercial Condo Insurance?

Commercial condo insurance is designed for unit owners who operate a business out of a commercial condominium building or if the owned commercial condominium unit is rented to another business. It works alongside the condo corporation’s master policy, which typically covers shared spaces and the building structure — but not what’s inside your unit.

That’s where your responsibility begins.

Commercial condo coverage helps protect your portion of the building — including walls, flooring, and permanent fixtures — plus your business personal property like computers, tools, inventory, and furniture.

It also protects your business from unexpected events like fire, theft, vandalism, and certain types of property damage or bodily injury claims.

What Does Commercial Condo Insurance Cover?

A strong commercial condo insurance policy includes a mix of commercial property coverage and liability coverage. Depending on how the unit is used, you could need multiple coverage types. Here’s a closer look at what type of coverage you may need.

1. Property Coverage

• Interior walls, floors, fixtures (not covered by the master policy)
• Permanently installed improvements or renovations
• Business personal property like equipment, stock, and furniture

2. Commercial General Liability Coverage

• If someone is injured inside your unit, your policy helps pay for medical costs, legal fees, and potential settlements
• Includes general liability and bodily injury protections that most businesses need

3. Business Interruption Insurance

• If a covered event like fire shuts down your operations, business interruption insurance helps cover lost income, rental income, and other expenses while you get back on track

4. Additional Coverage Options

• Loss assessment: Helps cover shared property damages not fully paid by the master policy
• Loss of rent

Understanding Property Valuation Terms

When you file a claim for damaged or destroyed property, how your coverage pays out depends on how the policy values it. There are two main approaches:

1. Actual Cash Value (ACV)

Pays the current value of the damaged item, minus depreciation. You’ll get less than what it costs to replace the item brand new.

2. Replacement Cost

Covers the price of replacing the item with one of the same or comparable quality, without deducting for depreciation. This is usually the preferred option, even if it costs a bit more.

Understanding the difference between actual cash, replacement cost, and market value is important when comparing policies.

How Much Does Commercial Condo Insurance Cost?

The cost of commercial condo insurance depends on several factors, including:

• Age and construction of the building
• Location and risk exposure (e.g., flood zone, crime rate)
• Nature of your business operations
• Value of your business property
• Amount and type of commercial property coverage you need

Working with an experienced insurance agent like The Huneycutt Group gives you access to multiple insurance companies and insurance policies, helping you compare options and possibly save money in the process.

Ready to Protect Your Commercial Condo? Let’s Talk

Without the right coverage, you’re leaving your business vulnerable. A sudden fire, break-in, or property damage claim could cost you thousands — or shut down your operation altogether.

At The Huneycutt Group, we understand the challenges that small business owners and unit owners face. Whether you’re starting a new venture or looking to improve your insurance coverage, we’re ready to help.

We’ll review your current policy (if you have one), walk you through what’s covered and what’s not, and show you options that actually make sense for your property and your business.

We partner with trusted insurance companies to give you access to a wide range of commercial insurance options. And if your master policy isn’t clear, we’ll help you read between the lines.

FAQ: Commercial Condo Insurance

Sailboat Insurance Requirements: Top 8 Questions Answered

Sailboat insurance requirements in North Carolina can be confusing. There’s no statewide mandate, but that doesn’t mean you’re off the hook. From marinas to lenders, many situations still demand proof of coverage—and knowing what’s required (and what’s smart) can save you from costly surprises.

Your insurance agent at The Huneycutt Group, is here to help you navigate the ins and outs of sailboat insurance requirements so you can protect your investment, avoid unexpected costs, and sail with confidence. If you’re looking for guidance or a boat insurance quote, we’re here to help.

Key Takeaways:

• While yacht insurance and sailboat insurance aren’t legally required in North Carolina, marinas, lenders, and clubs often require it.
• Boat insurance can cover liability, hull damage, medical payments, fuel spills, and more—protecting you from major out-of-pocket costs.
• The right policy depends on your boat, how you use it, and where you sail—working with a knowledgeable agent makes all the difference.

1. Is Sailboat Insurance a Legal Requirement in North Carolina?

Here’s the short answer: North Carolina does not require sailboat insurance by law. However, that doesn’t mean you won’t need it.

Many marinas, boat storage facilities, and private docks require proof of insurance coverage—especially liability coverage. If you’re financing your boat through a lender, they will almost certainly require a policy to protect their interest.

Even if your boat is fully paid off and you dock from your own backyard, having the right insurance coverage can save you thousands in the event of a boating accident, property damage, or legal claims.

2. What Does Sailboat Insurance Typically Cover?

A standard boat insurance policy should fit your vessel and lifestyle, but here are the core types of boat insurance coverage:

• Liability insurance: Covers bodily injury and property damage to others.
• Hull coverage: Pays for physical damage to your sailboat from collisions, weather, fire, theft, etc. Boat insurance can cover your hull on either an actual cash value or agreed value basis.
• Medical payments: Covers medical expenses for you and your passengers.
• Wreck removal & emergency assistance: Helps with clean-up and towing if something goes wrong on the water.
• Personal effects and boat’s equipment: Protects onboard gear and valuables.
• Legal expenses: Covers legal defense and settlements related to covered events.
• Fuel spillage: Covers cleanup costs and liability if your boat accidentally leaks fuel into the water, helping you avoid environmental fines under federal and maritime law.

You’ll also choose between actual cash value (depreciated value at the time of loss) or agreed value coverage (a set value you and the insurer agree on upfront).

3. How Much Does Sailboat Insurance Cost?

Sailboat insurance costs vary widely based on many factors. For example, insuring a modest daysailer may cost a few hundred dollars per year. A larger sailboat with extensive cruising range or high performance boats could run into the thousands. Opting for agreed value coverage usually results in higher premiums, but better protection.

• Boat age, type, and value of your boat
• Sailing area (coastal vs. inland, U.S. vs. international waters)
• Your experience as a boater
• Installed safety equipment
• Selected coverage options and liability limits
• Any additional coverage

4. Who Might Require You to Have Sailboat Insurance?

Even if the state doesn’t require it, plenty of organizations do.

• Marinas and dock operators: Many require proof of liability insurance before granting slip access.
• Lenders: If you financed your sailboat, your lender will require insurance coverage to protect the loan.
• Sailing clubs and regattas: May require liability coverage for participation.
• Charter companies: Often need boat insurance that extends to non-owners.

5. What Happens If You Skip Insurance?

Sailing without insurance may seem like a way to avoid paying premiums—but it’s risky. Without boat coverage, you’re personally responsible for:

• Medical costs if someone gets hurt
• Wreck removal and clean-up if you crash or sink
• Replacing stolen or damaged personal effects
• Defending yourself against legal claims
• Paying for damage to others’ boats or property
• Covering the cost of repairs or replacement yourself if you’re hit by an uninsured boater

If your boat is a valuable asset and not easily replaced, going without insurance isn’t worth the gamble.

6. How Do You Find the Right Insurance Policy for Your Sailboat?

Start by working with a reputable insurance provider or independent insurance broker—like The Huneycutt Group.

We’ll help you:

• Compare boat insurance policies from top-rated insurance companies
• Understand coverage options, deductible, liability limits, and extra protection
• Provide coverage options that fit your sailing habits, cruising area, and type of boat

Whether you’re insuring a new sailboat or shopping around for better premium rates, we’ll help you protect your investment and get the best coverage for your needs.

7. What Are the Different Types of Boat Insurance Policies?

Looking for the right coverage for your vessel can be overwhelming. Here’s a quick breakdown of common policies you might hear about:

• Sailboat insurance: Designed for non-motorized or wind-powered boats.
• Yacht insurance: Typically for boats over 26 feet, with extended yacht coverage for international waters.
• Personal watercraft: Covers Jet Skis and similar vessels.
• Hull insurance: Focuses on the boat’s physical structure.
• Liability insurance: Focuses on damage/injury you cause others.

Each policy varies based on factors like cruising area, storage method, how the boat is used (personal or charter), and the value of your boat.

8. How Do I Get a Boat Insurance Quote?

Getting a boat insurance quote is easy with the right insurance agent. At The Huneycutt Group, we make the process straightforward:

1. Tell us about your boat (make, model, year, equipment).
2. Let us know where and how you use it.
3. We shop top carriers to find the best value.
4. You choose the insurance policy that fits your budget and protection needs.

Take the Helm: Protect Your Sailboat Today

Even though North Carolina doesn’t require sailboat insurance by law, the risks of going without it just aren’t worth it. Whether your boat is your weekend getaway or your floating home, The Huneycutt Group is here to help you find the right coverage for your budget, lifestyle, and goals.

Contact us today to get your free, personalized boat insurance quote and protect your sailboat with confidence.

Sailboat Insurance Requirements FAQs

Business Income vs Business Interruption: Is There A Difference?

Business income and business interruption insurance are the same thing.

They’re two terms for the same type of coverage: insurance that replaces income when your business can’t operate due to physical damage from a covered event, like a fire, storm, or vandalism. 

If your business has to shut down temporarily, this coverage helps you pay ongoing bills and keep your business afloat while you recover.

Some carriers use one term or the other—but at the end of the day, they refer to the same essential protection.

At The Huneycutt Group, we help business owners like you understand what this coverage means, how it works, and whether you’ve got the right plan in place. Need help reviewing your policy or building a quote? That’s what we’re here for.

Now, let’s talk about what this coverage really means, what it pays for, and whether your business has the right safeguards in place.

Key Takeaways:

• Business income and business interruption insurance are the same type of coverage—they help replace lost revenue when your business can’t operate due to property damage from a covered event.
• This coverage pays for ongoing expenses like payroll, rent, and taxes while you recover, and often includes extra expense coverage to help you get back up and running faster.
• Not all policies include it by default, and key endorsements—like civil authority or ordinance and law—can make a major difference in how well you’re protected.

What Does Business Income Insurance Cover?

It covers lost revenue when your business operations are interrupted due to a covered loss. Think of it this way: if your business has to close its doors for repairs, you’re still responsible for rent, payroll, taxes, and other fixed expenses. Business income (also known as business interruption) coverage helps keep those bills paid while you’re not earning.

Here’s what’s usually included:

• Lost net income
  
• Payroll, rent, loan payments, and taxes
  
• Operating expenses that continue even while you’re shut down
  
• Extra costs to minimize downtime, like renting a temporary workspace
  

Not all policies are the same, so the details vary—but those are the basics.

Is Business Income Coverage Really Needed?

If even a short shutdown would seriously hurt your cash flow, then yes—this coverage is a smart move.

A burst pipe, fire, or storm could force you to close for days or even weeks. Could your business survive that hit without help?

Business income coverage is one of those things you don’t think about until you really need it. And by then, it’s too late to add it.

Is There A Waiting Period Before Coverage Kicks In?

Yes, most policies include a waiting period, often 48 to 72 hours after the loss occurs. This is like a time-based deductible. You won’t be reimbursed for losses during this window, but coverage applies after that.

It’s important to know how long your policy’s waiting period is so you can plan accordingly. 

Is Business Income The Same As “Loss Of Income”?

Yes—it’s just the formal term insurers use. “Loss of income” is what most business owners call it. Either way, it refers to your lost revenue when your business can’t operate.

What Is Extra Expense Coverage?

Extra expense coverage goes hand-in-hand with business income. It helps pay for additional costs you take on to stay open or get back up and running faster.

For example:

• Leasing a temporary space
  
• Renting equipment
  
• Paying overtime to speed up repairs
  

It’s about minimizing the disruption. Most business income policies include it, or offer it as an add-on.

How Is Business Income Calculated?

It’s based on your historical financial data—typically the net income you would’ve earned if the loss hadn’t happened, plus ongoing operating expenses.

Insurers look at things like:

• Profit and loss statements
  
• Sales reports
  
• Tax returns
  

This is why it’s so important to keep good records. The Huneycutt Group can help you understand how your income would be estimated and make sure your limits are realistic.

How Much Coverage Do I Need?

It depends on your:

• Revenue
  
• Monthly expenses
  
• How long a shutdown might last
  

We’ll help you model different scenarios and calculate what kind of cushion your business would need to get through a disruption without derailing your finances.

What Triggers A Business Income Claim?

A business income claim is usually triggered when:

• Your commercial property suffers physical damage from a covered cause (like fire, storm, or vandalism)
  
• That damage forces you to suspend operations
  

There’s also something called civil authority coverage—if government orders restrict access to your business (like during cleanup or emergency response), that may also be covered.

How Long Does The Coverage Last?

Your policy covers you during the “period of restoration”—that’s the time it takes to repair or rebuild and reopen.

Some policies also include an extended coverage period, which continues a little longer to help you ramp back up if sales are slow after reopening. We can help you review the exact timeline in your policy.

How Much Does Business Income Insurance Cost?

It’s usually part of a Business Owner’s Policy (BOP) or commercial package policy. We’ll shop multiple carriers to find options that protect your business and fit your budget.

The cost depends on:

• Your industry and business size
  
• Revenue and expenses
  
• Your risk factors (like location or claims history)
  
• The coverage limits and waiting period you choose

Are There Other Business Interruption Coverages I Should Consider?

Yes—especially if your business relies heavily on vendors or customers. You might need:

• Ordinance or Law Coverage: helps when you’re required to upgrade your building to meet current codes during repairs. If your business is interrupted because those code-related upgrades take extra time, ordinance or law coverage can also help replace the income lost during that extended downtime. 
• Civil Authority Coverage: if a government order—like one from a city, state, or federal agency—blocks access to your business due to damage at a nearby property, civil authority coverage can step in. It extends your business income protection even if your own building isn’t damaged, as long as the nearby damage is caused by a covered event (like a fire or storm).
  

If you’re not sure what applies to you, we’ll walk through your operations and tailor the right plan.

How Do I File A Business Interruption Claim?

If you’re insured with The Huneycutt Group, we’ll help you through it every step of the way.

Here’s what to do:

1. Contact us or your carrier ASAP
   
2. Take photos of damage
   
3. Keep records of lost sales, expenses, and repair costs
   
4. File a police or fire report if required
   
5. Submit your claim
   

We’ll help gather your documentation, communicate with the carrier, and keep the process moving.

Protect Your Business And Your Future

You’ve worked hard to build your business. The right insurance makes sure one disaster doesn’t undo it all. Whether you’re reviewing your current policy or starting from scratch, The Huneycutt Group is here to help.

Let’s review your coverage and make sure your income—and your livelihood—is protected.

FAQ: Business Income vs. Business Interruption

Does Boat Insurance Cover Theft?

Yes—boat insurance can cover theft, but only if your policy includes comprehensive coverage. This optional coverage helps pay to replace your boat if it’s stolen, minus your deductible. Without it, theft-related losses likely aren’t covered.

Theft is one of the top concerns for boat owners, especially during the busy season. The good news? There are simple ways to protect your boat, from hitch locks and wheel locks to alarms and storage choices.

Does your policy include comprehensive coverage? At The Huneycutt Group, we’ll guide you through what it means, what it covers, and whether you have the protection you need. And if something goes wrong, we’re here to walk you through every step—from filing the claim to getting back on the water with confidence.

Key Takeaways:

• Boat theft is only covered if your policy includes comprehensive coverage.
• Trailers, accessories, and equipment may require additional protection.
• Simple steps like using locks and alarms can help prevent theft.

How Common Is Boat Theft?

Boat theft isn’t as rare as most people think. According to data from the National Insurance Crime Bureau (NICB), thousands of watercraft are stolen every year in the U.S.—many from marinas, docks, driveways, or trailers.

Boats are attractive targets: they’re valuable, mobile, and often left unattended. Thieves aren’t just going for the vessel—they’re also after electronics, outboard motors, and trailers. Whether you own a small fishing boat or a luxury yacht, the risk is real.

How Boat Insurance Covers Theft and Stolen Boats

Most boat insurance policies do cover theft, but how that protection applies depends on your policy’s terms and coverage options.

If your policy includes comprehensive coverage, you’re likely protected against theft, vandalism, and similar non-collision losses.

Here’s what a theft-related claim usually covers:

• The replacement value or actual cash value of your stolen boat, depending on which you chose when your policy was written
  
• Theft of the entire boat, or certain permanently attached equipment
  
• In some cases, the trailer and outboard motor
  

Just make sure you’ve got the right policy type and limits. Not all policies are created equal—some may exclude theft unless you’ve added specific endorsements. That’s where we come in. The Huneycutt Group helps you build a policy that matches your boat, your budget, and your risk exposure.

Are Accessories and Equipment Covered by Boat Insurance Theft Claims?

This is a big one. Many owners like you invest in upgrades—GPS, fish finders, stereo systems, safety gear—and they want to know if these items are protected.

Here’s the deal: some accessories are covered, but not always by default.

• Permanently attached accessories are usually included under your main boat coverage.
  
• Removable or portable equipment (like life jackets, coolers, or portable electronics) may require a separate endorsement or personal property coverage add-on.
  

It’s important to review your policy’s definitions and limits. If you’ve made recent upgrades or added new gear, talk to us to make sure they’re fully protected.

Does Boat Insurance Cover Theft of a Trailer?

Yes, many boat insurance policies cover trailer theft—but it’s not always automatic.

Some insurers:

• Include the trailer under comprehensive boat coverage
  
• Require a separate endorsement or list the trailer explicitly
  
• Limit coverage based on where and how the trailer was stored
  

If your trailer is valuable or regularly left unattended, make sure your policy reflects that. We’ll review your policy for free and help you fill in any gaps.

How to Prevent Boat Theft

While insurance is important, prevention is your first line of defense. Thieves look for easy targets. Here’s how to make sure your boat isn’t one of them.

Store Your Boat in a Secure Area

Use a locked garage, fenced yard, marina with security, or storage facility. Boats on trailers are especially vulnerable when left in driveways or yards, believe it or not.

Install a Boat Alarm

Modern alarm systems with GPS tracking can help deter theft and improve recovery chances if your boat is stolen.

Use a Hitch Lock and Wheel Locks

Trailer theft is one of the most common types of boat theft. Hitch and wheel locks add a physical barrier that makes stealing your boat much harder.

Never Leave Keys in the Boat

It may sound obvious, but it’s one of the most common mistakes. Always take the keys with you.

Lock Everything Together

Secure your outboard motor, trailer, and removable equipment with heavy-duty marine-grade locks. A thief’s worst enemy is time and noise.

What to Do if Your Boat Is Stolen

Despite your best efforts, theft can still happen. Here’s what to do next:

File a Claim Online with Your Insurance Company

Most insurers offer online claims portals where you can submit details and documentation quickly. Be ready to provide:

• Policy number
  
• Boat registration
  
• Photos (if available)
  
• Police report
  

File a Claim Online with The Huneycutt Group

If you’re insured through us, we’ll help guide you every step of the way. You can start your claim online or call us directly—we’ll help gather the needed documents and communicate with your carrier.

Call Us

Need to talk it through? Just call. We’re real people, and we understand how stressful a theft can be. We’re here to help you recover what was lost and get you back on the water.

How Much Is Boat Insurance?

Boat insurance costs vary depending on several factors:

• Boat type, size, and value
  
• How and where it’s stored
  
• Your boating experience
  
• Coverage options and limits
  

On average, you might pay anywhere from $200 to $1,000 per year. Specialized or high-value boats may run higher. The best way to find out? Let’s talk. We’ll shop multiple carriers to find the coverage that fits your needs and budget.

Do You Need Boat Insurance?

Bottom line- yes. Especially if you want to protect your investment. While some states don’t legally require boat insurance, marinas and lenders often do.

Even if it’s not required, going without coverage is risky. A single theft, accident, or liability claim can be financially devastating. Comprehensive boat insurance gives you peace of mind whether your boat is in the water, on the trailer, or in storage.

Is There Insurance for Boat Docks?

Yes, but it usually isn’t part of your standard boat insurance policy. If you own a private dock or lift, you may need to insure it separately—either through:

• A boat insurance endorsement
  
• Your homeowners insurance policy
  
• A standalone dock insurance policy
  

Let’s talk about your setup and we’ll point you in the right direction.

Secure Your Boat with the Right Policy

Theft can happen fast—but the right coverage gives you lasting peace of mind. Let’s make sure your policy protects everything you’ve worked hard for. Whether you’re a new boat owner or a seasoned skipper, The Huneycutt Group is here to help you navigate insurance the right way.

Request your coverage review and custom quote today.

FAQ: Does Boat Insurance Cover Theft?

Is Commercial Property A Good Investment Right Now? (2025)

Thinking about investing in commercial real estate this year? You’re not alone. Whether you’re new to real estate, looking to diversify your portfolio, or planning for retirement, commercial property can be a powerful asset — if you go in with the right information.

This guide breaks down everything you need to know, from benefits and risks to who should consider investing and how insurance plays a role. 

If you’re ready to explore commercial property investment, The Huneycutt Group is here to help you protect what you invest in.

Key Takeaways:

• Commercial property can offer strong returns and long-term stability, but success depends on your goals, risk tolerance, and market knowledge.
• Understanding the pros, cons, and insurance needs is essential before investing — especially in today’s evolving 2025 real estate market.
• The right insurance strategy can protect your investment and boost your peace of mind, especially with shifting construction costs and market conditions in 2025.

What Is a Commercial Property?

A commercial property is real estate used for business purposes. This includes:

• Office buildings
  
• Retail storefronts
  
• Warehouses
  
• Industrial spaces
  
• Mixed-use properties
  
• Multi-family apartments (5+ units)

Unlike residential properties, commercial real estate is typically leased to businesses, not individuals, which changes how it’s valued, maintained, and insured.

Who Should Consider Investing in Commercial Property?

New or Aspiring Investors

If you’re new to real estate, commercial property might seem intimidating. But with proper research and the right partners, it can offer high returns and stable income.

Residential Investors Looking to Diversify

Already own rental homes or duplexes? Commercial property gives you a new stream of income and spreads your risk across different asset classes.

Professionals with Capital to Deploy

Business owners, doctors, attorneys — if you’ve got capital and are looking for ways to build long-term wealth, commercial property can be a strategic move.

Retirees or Pre-Retirees

Seeking passive income with inflation protection? Commercial property leases can offer stable returns that help fund retirement.

Pros and Cons of Investing in Commercial Real Estate

Like any investment, commercial property has upsides and downsides. Here’s what you should know before committing your capital.

Positive Reasons to Invest in Commercial Property

1. Income Potential

Commercial leases tend to be longer and more lucrative than residential leases. One tenant might occupy a space for 5–10 years, offering consistent income.

2. Professional Communications

Commercial tenants (businesses) are more likely to treat your property professionally. Communication is usually structured and businesslike.

3. Reputation

Owning a well-known building or retail space can boost your reputation and open doors in your local business community.

4. Predictable Hours

Most commercial tenants operate during business hours, meaning fewer midnight maintenance calls.

5. Valuation Opportunities

Commercial properties are typically valued based on their income, not just market comps. That gives you more control over increasing value.

6. Flexibility

You can buy, lease, or repurpose commercial spaces depending on market demand. They’re often more adaptable than residential.

7. Property Appreciation

In strong markets, commercial property can appreciate quickly, especially if located in a high-traffic or growing area.

8. Tax Benefits

You may be able to deduct interest, depreciation, and operational expenses — ask your CPA for specifics.

Downsides to Investing in Commercial Property

1. Time Commitment

Managing a commercial building — especially multi-tenant — takes time. Expect to hire a property manager or be hands-on.

2. Professional Help Required

You’ll likely need a team: lawyer, commercial realtor, accountant, and insurance expert. Don’t go it alone.

3. More Cost Upfront

Commercial properties cost more upfront than residential. You’ll need solid capital or financing.

4. Higher Risk

When businesses fail, tenants may default. Economic downturns hit commercial properties hard — especially retail or office space.

5. Business Relocation Considerations

If you’re buying a building for your own company, make sure it’s cost-effective vs. leasing, especially if growth or relocation is likely.

Types of Commercial Property

There’s no one-size-fits-all commercial investment. Here are a few categories:

• Office Buildings: From small professional suites to skyscrapers.
  
• Retail Spaces: Standalone shops or entire shopping centers.
  
• Industrial: Warehouses, manufacturing plants.
  
• Multi-family: Apartment complexes (not single-family rentals).
  
• Mixed-use: Combines residential and commercial, often seen in urban areas.
  

Each type comes with different risk profiles, tenant expectations, and insurance requirements.

What Type of Insurance Do You Need for a Commercial Property?

At a minimum, every commercial property owner needs commercial property insurance, which covers the building and its contents against damage from covered events like hurricane, fire, theft, or vandalism. But depending on your property type and use, that may not be enough.

Additional coverages to consider include:

• General Liability Insurance – Protects you if someone is injured on your property.
  
• Business Interruption Insurance – Covers lost income if your property becomes unusable due to a covered event.
  
• Flood or Earthquake Insurance – Often excluded from standard policies but crucial in certain areas.
  

Every investment is different, which is why it’s smart to work with a team that understands your unique risks.

The Huneycutt Group can help tailor a policy that protects your property and your peace of mind.

Is Now a Good Time to Invest in Commercial Property?

It depends on your market and strategy. Recent shifts in work-from-home trends, inflation, and interest rates have cooled some commercial sectors — especially traditional office space. But industrial properties, warehouses, and mixed-use developments are thriving in many areas.

Costs of materials are stable at the time of this article. Insurance is also evolving. Reinsurance (insurance for insurance companies) impacts rates across the board, especially after natural disasters. 

Reinsurance rates are starting to ease, which is helping bring down the cost of insurance for new commercial construction projects. As a result, coverage is becoming more affordable.

That’s why it’s critical to work with an insurance advisor who understands commercial property and can guide you to the right policy for your investment.

Need Help With Your Commercial Insurance Policy? Talk to an Expert

At The Huneycutt Group, we specialize in protecting commercial properties — whether you own one or several. We’ll walk you through risk, coverage, and savings opportunities. Let’s make sure your investment is protected from day one.

Is Commercial Property Right for You?

Commercial property can be a high-return investment, but it’s not for everyone. It takes capital, time, and a willingness to plan. If you’re weighing your options, let’s talk. 

Whether you’re just starting out or expanding your real estate portfolio, The Huneycutt Group is here to protect your investment.

Commercial Property Investment: FAQ

Condo Association Insurance: What It Covers, Who Needs It, and Why It Matters

Protect your condo community the right way. Whether you’re on the board, a property manager, or a condo owner trying to figure out where your responsibilities end, understanding condo association insurance is important. 

At The Huneycutt Group, we help you make sense of it all—and find the right policy to protect what matters. Get in touch today for expert, tailored insurance advice.

Key Takeaways:

• Condo association insurance (master policy) covers shared areas, the building structure, and liability—but not the inside of individual units.
• Who needs to know about this coverage: Condo board members, HOA leaders, property managers, condo owners, buyers, real estate agents, and insurance professionals.
• Condo owners still need HO-6 insurance to cover personal belongings, interior upgrades, and liability inside their units.

What Is A Condo Association Master Insurance Policy?

Condo association insurance coverage—also known as a master policy or HOA insurance—covers the shared parts of a condominium building or complex. It’s a policy purchased by the condo association or homeowners’ association (HOA), not individual unit owners.

This type of insurance protects the building structure, common areas, and liability related to the association’s operations. It’s essential for maintaining the community’s financial health in the event of property damage, accidents, or lawsuits.

How It Differs from Individual Condo Insurance (HO-6)

A lot of confusion arises around who’s responsible for what. Here’s the split:

• Condo association master insurance policy covers shared spaces and the building itself.
  
• HO-6 policies, which are purchased by individual condo owners, cover what’s inside the unit—walls in, personal belongings, and personal liability.
  

Think of the master policy as protecting the “outside shell” and shared elements of the property, while the unit owner’s policy covers the interior and personal items.

What Does A Condo Association Insurance Policy Cover?

Condo association insurance coverage can vary depending on your state, lender requirements, and the association’s bylaws, but most master policies include:

Liability Protection

If someone is injured in a shared space (like slipping in the lobby), this coverage helps pay for medical costs and legal fees.

Building Damage

This includes physical damage to the exterior of the building and sometimes parts of the interior—depending on whether your policy is bare walls, single entity, or all-in.

• Bare Walls: With a “bare walls” policy, the condo association insures only the basic structure of the building, shared areas, and any common personal property owned by the association. Individual unit owners are responsible for insuring everything inside their own units—including items like sinks, built-in cabinets, appliances, flooring, wallpaper, and any upgrades—through a personal condo (HO-6) policy.
  
• Single Entity: Single entity coverage insures both shared property and the original features inside individual condo units, such as appliances and fixtures that came with the unit when it was built. It does not cover personal belongings or any upgrades made by the unit owner.
  
• All-In (All Inclusive): Covers the building structure plus most interior fixtures and finishes within units, including upgrades—owners are still responsible for personal belongings and liability.

Common Areas

Hallways, elevators, lobbies, gyms, pools, and other shared amenities are protected under this part of the policy.

Who Needs To Know About Condo Association Insurance?

This insurance is essential for:

• Condo Boards & HOA Leaders – You’re responsible for making sure the property is properly protected.
  
• Property Managers – A solid policy ensures smooth operations and risk management.
  
• Real Estate Agents & Mortgage Lenders – You need to advise clients accurately about what’s covered and what’s not.
  
• Condo Buyers & Owners – Understanding the limits of the master policy helps you purchase the right personal coverage.
  
• Insurance Brokers – Crafting the right policy means knowing exactly what the association needs—and what’s required by law or lenders.

How The Huneycutt Group Helps Associations Get It Right

At The Huneycutt Group, we work with condo associations, property managers, and boards to create insurance packages that go beyond the basics.

A Worry-Free Experience

We take the complexity out of coverage. Our team handles the details and explains your options—no guesswork.

Need Higher Limits or Special Coverage?

We offer customizable policies with higher liability limits, directors & officers (D&O) coverage, equipment breakdown, and more—tailored to your community’s risks.

Let’s Protect Your Condo Community Right

Not sure if your condo association is properly insured? Whether you’re renewing a policy, reviewing for compliance, or building a new community from the ground up, The Huneycutt Group can help you secure reliable coverage and peace of mind. Contact us today to get started.

Condo Association Insurance: FAQs

Know When Your Homeowners Insurance Covers Garage Doors

It’s not something most people think about—until it happens. One day your garage door is working just fine, and the next… it’s dented from a hailstorm, crunched by a car, or it just stops working. Suddenly, you’re asking, “Wait—does my homeowners insurance cover this?”

Good news: you’re not alone, and yes—depending on the situation, your homeowners insurance may have you covered. At The Huneycutt Group, we’re here to help you make sense of what’s covered, what’s not, and how to protect one of the most important (and most used) parts of your home.

If you’re unsure about your current coverage or want to explore better options, let’s talk. Our team is always here to help you find peace of mind—garage doors included.

Key Takeaways:

• Homeowners insurance can cover garage door damage depending on the cause.
• Common covered events include storms, vehicle impacts, and vandalism.
• Not all damage is covered—wear and tear or intentional damage might be excluded.
• Filing a claim requires documentation and knowing your policy details.

When Does Home Insurance Cover Garage Doors?

Whether your garage is detached or attached to your home, your homeowners insurance may cover garage door damage—but only in specific situations. Here are the most common scenarios where you’re likely to be protected:

Natural Disasters

If your garage door is damaged by a storm, hurricane, or other covered peril (like wind or hail), your policy will likely kick in—assuming natural disasters are covered in your policy. It’s worth noting that flood and earthquake coverage usually requires separate policies.

Vehicle Damage

Whether you accidentally back into your garage door or someone else crashes into it, your homeowners insurance may cover the repair or replacement. In many cases, your auto insurance (or the other driver’s policy) could also come into play.

Break-Ins or Vandalism

If someone breaks into your garage or damages the door maliciously, your homeowners insurance typically provides coverage for both the damage and any stolen items—up to the limits of your policy.

Exclusions To Homeowners Insurance Coverage

Not all damage is covered by standard homeowners policies. Common exclusions include:

• Wear and Tear: Garage doors age just like everything else. Gradual deterioration, rust, or mechanical failure from long-term use usually isn’t covered.
  
• Poor Maintenance: If damage happens due to neglect, such as failing to fix a known electrical issue, your insurance may not apply.
  
• Floods and Earthquakes: These events require additional coverage through separate policies. Be sure to talk about this important coverage with your agent.

Understanding what’s not covered is just as important as knowing what is. That’s why having an expert review your policy matters.

How To File A Claim For Damage To Your Garage Doors

If your garage door gets damaged and you believe it’s a covered event, here’s what to do.

1. Document the Damage. Take clear photos and note the date and time of the incident.
   
2. Contact Your Insurance Provider. Report the incident and start the claims process.
   
3. Get an Estimate. Have a licensed contractor assess the cost of repairs or replacement.
   
4. Submit Your Claim. Include all documentation, estimates, and relevant details.

A smooth claims process starts with clear documentation and knowing your policy. If you’re not sure what to expect, we’re here to walk you through it.

Know Your Deductibles And Coverage Limits

Before filing a claim, be aware of your deductible—the amount you’re responsible for paying out of pocket..

• Deductible: The amount you must pay out of pocket before your insurance kicks in.
• Coverage Limits: The maximum amount your policy will pay for covered losses. If the cost of repair is less than or close to your deductible, it may not be worth filing a claim.

How Much Does It Cost To Replace Garage Doors?

The cost to replace a garage door can vary widely based on size, materials, and design. On average, homeowners might spend:

• $500–$1,500 for a standard single door
  
• $1,000–$3,000+ for custom or insulated double doors

Labor and removal of the old door can add to the total. If the damage is significant, your homeowners insurance may help offset these costs—depending on your policy.

Get The Right Coverage From The Huneycutt Group

Your garage door is more than just an entryway—it’s part of your home’s security and value. Whether you’re dealing with damage now or just want to be prepared, The Huneycutt Group is here to help you get the coverage you need.

We offer tailored homeowners insurance policies that protect your whole home—including your garage doors—so you can rest easy.

Ready to review your policy or get a quote? Contact The Huneycutt Group today and let’s make sure you’re protected from the unexpected.

Does Homeowners Insurance Cover Garage Doors: FAQ

11 Best North Carolina Beach Towns to Live, According to Locals

North Carolina’s coastline has a certain magic to it—sunrise over the ocean, fresh seafood at local spots, and that laid-back lifestyle that just feels good. If you’re thinking about making the beach your home (or even your second home), you’re not alone. Many locals, like us, have already found our coastal haven, and we’re here to share the inside scoop on the best places to live near the beach in North Carolina, according to locals.

Whether you’re planning to relocate, retire, or just want a better view, this guide will walk you through 11 of the top beach towns—places locals love not just for their beauty, but for their strong communities, local charm, and year-round livability.

Thinking about making a move? The Huneycutt Group can help you protect your home, auto, or business with personalized insurance solutions designed for life near the coast. Let’s make sure you’re covered, so you can focus on enjoying the weather.

1. Wrightsville Beach

Location: Southeastern North Carolina, near Wilmington

Wrightsville Beach is renowned for its crystal-clear waters and wide sandy beaches. Locals appreciate the active lifestyle, with opportunities for surfing, paddleboarding, and jogging along “the loop,” a popular fitness trail. 

While it attracts tourists, the community maintains a welcoming, small-town feel. Nearby Wilmington is a busy hub of excitement and entertainment offering cultural events, shopping, and dining, providing the best of both worlds. ​

2. Oak Island

(photo credit: Margaret Rudd Realtors)

Location: Brunswick County, southeastern North Carolina

Oak Island offers a serene coastal environment with less tourist traffic compared to other beach towns. Residents enjoy expansive beaches, fishing piers, and a variety of local restaurants and fish markets. 

The island’s 10 miles of sandy shores provide ample space for relaxation and recreation. 

Nearby Southport adds to the charm with its historic sites and waterfront dining. ​

3. Corolla

(photo credit: Shoreline OBX)

Location: Northern Outer Banks

Corolla is famous for its wild horses and unspoiled beaches. The area is less commercialized, offering a peaceful retreat. Activities include climbing the Currituck Beach Lighthouse, exploring the Whalehead Club historic mansion, and enjoying water sports. 

While it sees seasonal tourists, the off-season is tranquil, allowing residents to enjoy the natural beauty. 

4. Duck

(photo credit: OBX Beach Vacations)

Location: Outer Banks, just south of Corolla.

Duck is known for its walkable village atmosphere and pet-friendly boardwalk along the Currituck Sound. Residents and visitors enjoy boutique shopping, local dining, and a variety of water activities. 

The town hosts the Duck Jazz Festival annually on Columbus Day weekend, fostering a strong sense of community. While popular among tourists, Duck maintains a relaxed, small-town charm. 

5. Salvo

(photo credit: National Park Service)

Location: Hatteras Island, part of the Outer Banks

Salvo offers a quiet, laid-back lifestyle with pristine beaches and access to the Pamlico Sound. It’s less touristy, providing a haven if you’re looking for some solitude. 

Outdoor enthusiasts enjoy kiteboarding, fishing, and exploring nearby wildlife refuges. The close-knit community values its natural surroundings and peaceful atmosphere. ​

6. Nags Head

(photo credit: Jockey Ridge State Park)

Location: Central Outer Banks

Nags Head combines classic beach charm with modern amenities. Locals love Jockey’s Ridge State Park, home to the tallest natural sand dunes on the East Coast, perfect for hang gliding and sunset views. The town offers a variety of dining and shopping options. 

While it attracts tourists, the community remains welcoming and vibrant year-round. ​

7. Southport

(photo credit: Columbia Metropolitan Magazine)

Location: Where the Cape Fear River meets the Atlantic Ocean

Southport exudes historic charm with its maritime heritage and picturesque waterfront. Residents enjoy exploring antique shops, dining at waterfront restaurants, and attending local festivals. 

The town has been a filming location for numerous movies, adding to its allure. While it sees visitors, Southport maintains a relaxed pace and strong community feel. 

8. Bald Head Island

(photo credit: Oak Island Vacation Rentals)

Location: Accessible by ferry from Southport

Bald Head Island offers a unique, car-free environment where golf carts and bicycles are the primary modes of transportation. Residents cherish the island’s commitment to preserving its natural beauty, including maritime forests and turtle nesting sites. 

The iconic “Old Baldy” lighthouse adds historical charm. The island’s exclusivity ensures a peaceful, close-knit community. 

9. Beaufort

(photo credit: Emerald Isle Realty)

Location: Carteret County, near Morehead City.

Beaufort, one of North Carolina’s oldest towns, has a rich history and vibrant waterfront. Locals enjoy strolling along Front Street, visiting the North Carolina Maritime Museum, and taking boat tours to nearby islands. 

The town’s historic charm and friendly community make it a desirable place to live, offering a variety of new home communities that blend coastal charm with modern amenities. While it attracts tourists, Beaufort retains its small-town appeal. 

10. Carolina Beach

(photo credit: Visit Wilmington)

Location: New Hanover County, near Wilmington.​

Carolina Beach offers a lively boardwalk, colorful murals, and a variety of local shops and restaurants. Residents appreciate the blend of beach town charm and modern amenities. 

The state park provides hiking trails and opportunities for bird watching. While it has a tourist season, the community remains active and welcoming year-round. ​

11. Figure Eight Island

(photo credit: The Carolina’s Finest)

Location: Just north of Wrightsville Beach, in New Hanover County.

Figure Eight Island is one of the most exclusive places to live on the North Carolina coast. This private, gated island has no commercial development—just luxury homes, pristine beaches, and privacy. Residents love it for its serenity, security, and unspoiled beauty.

Rub elbows with Hollywood’s elite here—many of the homeowners are high-profile figures who value discretion and a low-key lifestyle. If you’re a resident, you’ll enjoy boating in the Intracoastal Waterway, beachcombing on quiet shores, and social events at the private yacht club. 

It’s a peaceful retreat just minutes from Wilmington’s shopping, dining, and healthcare.

Ready To Make Move to the North Carolina Coast?

Whether you’re dreaming of quiet walks on uncrowded beaches or looking for a lively beachside community with year-round activity, North Carolina’s coast has a town that fits your lifestyle. And when you find the right place to call home, The Huneycutt Group is here to help protect it.

We’re your trusted local insurance agency, offering personalized coverage for home, auto, and business—so you can focus on living your best beach life. Our team understands the unique needs of coastal living and can help make sure you’re properly covered from day one.

Reach out today for a free consultation, and let’s make your move to the coast as smooth—and secure—as possible.

Best Places To Live Near The Beach In North Carolina: FAQ