Condo Owners Insurance

aerial view of houses near beach

Condo Owners Insurance

Beach Condo Insurance

A Condo Owners Insurance Policy from SFI Insurance Group can ensure peace of mind for your beach condominium.

We insure beach condominiums in the following states: North Carolina, South Carolina, Virginia, Georgia, Florida, Alabama, Mississippi, Louisiana, Delaware and Texas.

Beach condo ownership presents an interesting insurance dilemma. When you own a beach condo, the main structure will normally be insured by a Master Policy. This Condominium Association Master Policy will leave you to insure your contents and to some extent, the interior of your beach condo. There are several important items not covered by your Condo Association’s Master policy that need to be covered by your Beach Condo Owners Insurance Policy.

Because we have extensive experience in beach condo insurance exposures, we have worked with some of the finest carriers to develop a Beach Condo Owners Insurance Policy program for you, the beach condo unit owner. Please take a few minutes to read our guidelines for condominium insurance. It is packed with important information about Beach Condo Owners Insurance.

Beach condo ownership presents an interesting insurance dilemma. When you own a beach condo, the main structure will normally be insured by a Master Policy. This Condominium Association Master Policy will leave you to insure your contents and to some extent, the interior of your beach condo. There are several important items not covered by your Condo Association’s Master policy that need to be covered by your Beach Condo Owners Insurance Policy.

Because we have extensive experience in beach condo insurance exposures, we have worked with some of the finest carriers to develop a Beach Condo Owners Insurance Policy program for you, the beach condo unit owner. Please take a few minutes to read our guidelines for condominium insurance. It is packed with important information about Beach Condo Owners Insurance.

Here is a sample of what we suggest you do to insure your condo properly:

  • Become familiar with the type of policy your association has in place.
  • Speak to one of our beach condominium insurance agents to develop unit owner’s coverage to satisfy your needs.
  • Purchase an HO6 to cover your condominium unit.

Here is what we do not suggest:

  • Allow your insurance agent to extend liability to your condo unit from your homeowner’s policy.
  • Think that your homeowner’s policy will gap the differences in your Master Policy and your individual insurance needs.

In just a few short minutes, we can review your insurance needs for your beach condo.

I would like to thank Scott Wheeler and Erin Magnuson of SFI Group for their never ending assistance with Insurance needs. They are always so responsive. If they don’t answer the phone immediately (which most of the time is what happens), they get back to me right away. They are full of knowledge, have great experience and so helpful, combined with lots of options for coverage. It is clear that they are watching out for the best interest of their customers. After Hurricane Florence, I learned that I did not have an appropriate policy in place to cover my condo on Topsail Island. They have both been very easy to work with and educated me greatly about having options and adequate coverage. I am switching all of my insurance needs over to them and have the utmost confidence in their suggestions. I highly recommend them!


Nancy B.

"I have been a Topsail Reef homeowner for over nine years. When I have needed information, Condo owners insurance policy guidance or claim work provided, SFI (Scott Wheeler) has been very available and helpful. The staff and claims representatives have, at all times been pleasant and professional. When I recently filed a claim due to water damage, the adjuster came promptly, analyzed the damages and settled the claim with a check before he left! Thanks Scott and SFI team! You make stress easier to handle."


Nadine Morton

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Once you submit your request, one of our knowledgeable agents will call or email you by the end of the next business day to complete the process. Trust the beach insurance and coastal insurance agents of SFI Group to help you with all of your North Carolina coast insurance needs.

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