Episode 003 - Coastal Home Insurance 101: What You Need to Know with Madison Williams

Описание: Welcome back to the ILM Realtor Podcast!

In this episode, host Tabetha (Tabi) Klein sits down with Madison from My Carolina Insurance to talk through what coastal homeowners in Wilmington, North Carolina, really need to know about insurance—without the confusing jargon.

We cover the stuff that catches people off guard (hello, deductibles and claim impacts), plus the big coastal must-knows like wind + hail, flood insurance (even outside “high-risk” zones), and the key difference between Replacement Cost vs Actual Cash Value when you’re trying to protect your biggest investment.
If you own a home in coastal NC—or you’re buying one soon—this is the episode you’ll want to save.

In this episode, you’ll learn:
Why “Everyone is in a flood zone” (yep, even if your lender doesn’t require flood insurance)
Replacement Cost vs Actual Cash Value (and why it matters during a claim)
How wind + hail coverage works in North Carolina (and when it may be separate)

Why knowing your deductibles upfront can save you major stress later
How claims can affect your insurance rates—especially non-catastrophic claims
What to ask your insurance agent before you buy (or renew)

📍 Local note: This episode is especially helpful for Wilmington + coastal NC homeowners dealing with storms, wind, water, and all the “what ifs” that come with living near the ocean.
👉 If you’re moving to Wilmington, buying a home, or just want help making sense of the process, reach out:
Instagram: @theILMrealtor
🎥 Subscribe on YouTube: ⁠   / @theilmrealtor  
🎧 Follow on Spotify: https://open.spotify.com/show/5xUyCeR...
🏡 Learn more + resources: ⁠https://theilmrealtor.com⁠


00:00 Introduction to Coastal Insurance
02:15 Understanding Homeowners Insurance
04:41 Common Misconceptions in Insurance
06:39 Wind and Hail Coverage Explained
08:38 Replacement Cost vs. Actual Cash Value
11:04 Flood Insurance Myths
13:19 Navigating the Flood Insurance Process
15:17 Understanding Flood Zones
17:27 Key Questions for Insurance Agents
19:21 Final Tips for Homeowners
21:07 Conclusion and Personal Insights



coastal insurance, Wilmington NC, flood insurance, homeowners insurance, wind and hail, replacement cost, actual cash value, insurance tips, real estate podcast, ILM Realtor Podcast